Montezuma County property record for 445 Riverside Ave, Mancos, CO 81328
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,870 sqft · built 1984 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $228,500 (Dec 2018) |
| Tax Bill | $2,538 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2010 Mortgage + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | R005054 |
| Primary APN | R005054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,870 sqft Total Area |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | R005054 |
|---|---|
| Street Address | 445 RIVERSIDE AVE |
| City | MANCOS |
| State | CO |
| Zip | 81328-7942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-1 |
| Legal Description | SUBDIVISION: KIZZIER SUB LOT: 2 B536 P231 B563 P293 B589 P142 B594 P122 |
| Legal Range | 16W |
| Legal Township | 35N |
| Legal Section | 22 |
| Legal Subdivision | KIZZIER SUB |
| Legal Lot Number | 2 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | MANCOS |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 969100 |
445 Riverside Ave is owned and occupied by an individual who acquired it in March 2026.
Source: Montezuma County records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| 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.
| Date | Document |
|---|---|
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Sep 30, 2010 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| May 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Apr 14, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage SPRING EQ LLC |
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| May 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Dec 18, 2018 | Warranty Deed, Transfer · FHA Mortgage NATIONS LENDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2018 · Amount on File |
| Deed Sale | Dec 18, 2018 · Amount on File |
| Prior Sale | Jul 14, 2006 · Amount on File |
| Deed Document Number | 2018620669 |
| Last Transfer Date | Mar 31, 2026 |
| Transfer Doc | 0000666623 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2026 |
| Title Company | FIDELITY |
| Name | Verified Name |
|---|
| Document Number | 0000637794 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | 637794 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000573139 |
|---|---|
| Date | Sep 30, 2010 |
| Instrument | 573139 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2026 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS |
| Name | Verified Name |
|---|
| Document Number | 0000623020 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 623020 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Apr 14, 2026 |
| Property Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Document Number | 0000666623 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026666623 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Investor | Possibly a Property Investor |
| Document Number | 0000666624, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026666624 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Title Company | FIDELITY |
| Name | Verified Name |
|---|
| Document Number | 637794 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | 637794 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | COLORADO TTL & CLOSING SVCS |
| Name | Verified Name |
|---|
| Document Number | 623020 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 623020 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Dec 18, 2018 |
| Property Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Document Number | 0000620669 |
| Map Reference | MB 10 PG 4 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 620669 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Title Company | MERIDIAN TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22.85 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 445 RIVERSIDE AVE, MANCOS, CO 81328-7942 |
| Document Number | 0000620670 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 620670 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Number | 0000620671 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 620671 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 445 Riverside Ave was $2,538, up 45.1% from the year before.
Source: Montezuma County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montezuma County |
| Municipality | Mancos Town |
| Unified School District | Mancos School District RE-6 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,538.00 (+45.11%) | $35,815 (+37.78%) Land $9,385 Building $26,430 | $449,931 (+37.78%) Land $117,900 Building $332,031 |
| 2024 | $1,749.00 (+1.22%) | $25,995 (-14.41%) Land $6,961 Building $19,034 | $326,567 (-14.41%) Land $87,452 Building $239,115 |
| 2023 | $1,728.00 (+29.15%) | $30,373 (+56.61%) Land $8,134 Building $22,239 | $381,567 (+56.61%) Land $102,180 Building $279,387 |
| 2022 | $1,338.00 | $19,394 Land $5,856 Building $13,538 | $243,644 Land $73,570 Building $170,074 |
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.
FEMA maps place 445 Riverside Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 4 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 445 Riverside Ave is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 54% of Colorado |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MANCOS RURAL WATER COMPANY private · serves 1,300 people · EPA ID CO0142600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Choice Broadband Fixed Wireless | 400 / 80 |
| Verizon Fixed Wireless | 300 / 20 |
| Nimbus Solutions Fixed Wireless | 100 / 20 |
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