Montezuma County property record for 532 E Arbecam Ave, Cortez, CO 81321
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,100 sqft · built 1944 |
| Lot Size | 0.174 acres (7,579 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Jun 2026) |
| Tax Bill | $896 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Nov 2009 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R009004 |
| Primary APN | R009004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,100 sqft Total Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,579 sqft (0.174 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Account Number | R009004 |
|---|---|
| Street Address | 532 E ARBECAM AVE |
| City | CORTEZ |
| State | CO |
| Zip | 81321-2808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SECTION: 26 TOWNSHIP: 36 RANGE: 16 TR NE1/4 UNPLATTED TR IN F R COFFINS ADDITION B448 P699 |
| 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 | 2030 |
| Census Tract | 969301 |
532 E Arbecam Ave is owned by an individual who bought it in June 2026.
Source: Montezuma County records, as of October 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 102, NATURITA, CO 81422-0102 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2025 | Deed of Trust, Mortgage · VA Mortgage MODERN MORTGAGE FINANCIAL LLC |
| Nov 20, 2009 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 19, 2011 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 8, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Jun 8, 2026 | Quit Claim Deed, Transfer COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SERVI |
| Nov 12, 2021 | Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 17, 2019 | Special Warranty Deed, Transfer · ARM ZB NA |
| Dec 27, 2011 | Intrafamily Transfer, Transfer · Conventional Mortgage VECTRA BANK COLORADO NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2026 · Amount on File |
| Deed Sale | Jun 8, 2026 · Amount on File |
| Prior Sale | Apr 9, 2025 · Amount on File |
| Deed Document Number | 2026667390 |
| Prior Transfer Date | Apr 2, 2025 |
| Prior Transfer Doc | 0000660807 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000660773 |
|---|---|
| Date | Apr 7, 2025 |
| Instrument | 660773 |
| Name | MODERN MORTGAGE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FARMINGTON, MI 48331 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000567855 |
|---|---|
| Date | Nov 20, 2009 |
| Instrument | 567855 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Title Company | LSI |
| Name | Verified Name |
|---|
| Document Number | 0000574963 |
|---|---|
| Date | Jan 19, 2011 |
| Instrument | 574963 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2040 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jun 8, 2026 |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000667390 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026667390 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2026 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SERVI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,929.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000667391, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 2026667391 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jun 8, 2026 |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000667389 |
| Instrument Date | May 12, 2026 |
| Instrument | 2026667389 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SERVI |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Nov 12, 2021 |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000641262 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 641262 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000641263 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 641263 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jul 17, 2019 |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000623945 |
| Instrument Date | Jul 16, 2019 |
| Instrument | 623945 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000623946 |
|---|---|
| Date | Jul 17, 2019 |
| Instrument | 623946 |
| Name | ZB NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.87% |
| Index | 1-Year LIBOR |
| Max Rate | 9.87% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Dec 27, 2011 |
| Property Address | 532 E ARBECAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000580265 |
| Instrument Date | Dec 22, 2011 |
| Instrument | 580265 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 532 E ARBEEAM AVE, CORTEZ, CO 81321-2808 |
| Document Number | 0000580266 |
|---|---|
| Date | Dec 27, 2011 |
| Instrument | 580266 |
| Name | VECTRA BANK COLORADO NA |
|---|---|
| Type | Bank |
| Address | DENVER, CO 80222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2042 |
The 2025 property tax bill for 532 E Arbecam Ave was $896, up 55.3% from the year before.
Source: Montezuma County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montezuma County |
| Municipality | Cortez City |
| Unified School District | Montezuma-Cortez School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $896.00 (+55.29%) | $21,488 (+91.12%) Land $1,571 Building $19,917 | $269,948 (+91.13%) Land $19,734 Building $250,214 |
| 2024 | $577.00 (-20.96%) | $11,243 (-28.02%) Land $1,905 Building $9,338 | $141,235 (-28.03%) Land $23,926 Building $117,309 |
| 2023 | $730.00 (+42.3%) | $15,620 (+47.28%) Land $2,646 Building $12,974 | $196,235 (+47.27%) Land $33,244 Building $162,991 |
| 2022 | $513.00 | $10,606 Land $1,208 Building $9,398 | $133,247 Land $15,180 Building $118,067 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 532 E Arbecam 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 risk around 532 E Arbecam 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.
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 |
| 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.
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.
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