440 E Montezuma Ave, Cortez, CO 81321 Property Records

Montezuma County property record for 440 E Montezuma Ave, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,001 sqft · built 1943
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (May 2017)
Tax Bill	$904 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R009056`

Property Details

APN / Parcel Number

Primary APN	`R009056`
Alternative APN	`561126100092`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,001 sqft Total Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Account Number	R009056
Street Address	440 E MONTEZUMA AVE
City	CORTEZ
State	CO
Zip	81321-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NB
Legal Description	SECTION: 26 TOWNSHIP: 36 RANGE: 16 TR NE1/4 UNPLATTED TR IN F R COFFINS ADDITION B 450 P 351 B 450 P 510
Legal Range	16W
Legal Township	36N
Legal Section	26
Legal Subdivision	F R COFFINS ADDITION
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	2
Census Block	2039
Census Tract	969301

Owner

440 E Montezuma Ave is owned and occupied by an individual who bought it in May 2017.

Source: Montezuma County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	440 E MONTEZUMA AVE, CORTEZ, CO 81321-3328
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2017 · Amount on File
Deed Sale	May 17, 2017 · Amount on File
Prior Sale	Apr 18, 2011 · Amount on File
Deed Document Number	2017611269
Record Updated	Oct 29, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	May 17, 2017
Property Address	440 E MONTEZUMA AVE, CORTEZ, CO 81321-3328
Document Number	0000611269
Instrument Date	May 11, 2017
Instrument	611269
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	COLORADO TITLE & CLOSING SVC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	611270
Date	May 17, 2017
Instrument	611270

Lender

Name	THE DOLORES STATE BANK
Type	Bank
Address	CORTEZ, CO 81321

Agreement

Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 440 E Montezuma Ave was $904, up 51.9% from the year before.

Source: Montezuma County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Montezuma County
Municipality	Cortez City
Unified School District	Montezuma-Cortez School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$904.00 (+51.93%)	$17,926 (+54.84%) Land $1,552 Building $16,374	$225,201 (+54.84%) Land $19,500 Building $205,701
2024	$595.00 (+9.98%)	$11,577 (-27.44%) Land $1,897 Building $9,680	$145,443 (-27.44%) Land $23,836 Building $121,607
2023	$541.00 (-3.74%)	$15,955 (+37.12%) Land $2,615 Building $13,340	$200,443 (+37.12%) Land $32,850 Building $167,593
2022	$562.00	$11,636 Land $1,194 Building $10,442	$146,184 Land $15,000 Building $131,184

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 440 E Montezuma Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 440 E Montezuma Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CORTEZ serves 8,770 people · EPA ID CO0142200
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clearnetworx Fiber	1,000 / 1,000
TDS Telecom Cable	1,000 / 20
Choice Broadband Fixed Wireless	400 / 80
Nimbus Solutions Fixed Wireless	100 / 100
Visionary Broadband Fixed Wireless	100 / 20

May also be available: Farmers Telecommunications, FastTrack Communications, T-Mobile.