539 E Montezuma Ave, Cortez, CO 81321 Property Records

Montezuma County property record for 539 E Montezuma Ave, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,199 sqft · built 1940
Lot Size	0.154 acres (6,708 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Oct 2016)
Tax Bill	$1,441 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R009096`

Property Details

APN / Parcel Number

Primary APN	`R009096`
Alternative APN	`561126100042`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,199 sqft Total Area
Basement Area	528 sqft
Unfinished Basement	528 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1944
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,708 sqft (0.154 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	R009096
Street Address	539 E MONTEZUMA AVE
City	CORTEZ
State	CO
Zip	81321-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NB
Legal Description	SUBDIVISION: FR COFFINS ADD UNPLATTED TR; B 423 P 32 B 480 P 989
Legal Range	16
Legal Township	36
Legal Section	26
Legal Subdivision	FR COFFINS ADD
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	2
Census Block	2037
Census Tract	969301

Owner

539 E Montezuma Ave is owned and occupied by two individuals who bought it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	539 E MONTEZUMA AVE, CORTEZ, CO 81321-3329
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	2 Names on Deed
Last Sale	Oct 13, 2016 · Amount on File
Deed Sale	Oct 13, 2016 · Amount on File
Deed Document Number	2016607897
Prior Transfer Date	Oct 7, 2016
Prior Transfer Doc	609252
Record Updated	Oct 29, 2026

January 2017: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MONTEZUMA CO
Recording Date	Jan 13, 2017
Property Address	539 E MONTEZUMA AVE, CORTEZ, CO 81321-3329
Document Number	609252
Instrument Date	Oct 7, 2016
Instrument	609252
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 E MONTEZUMA AVE, CORTEZ, CO 81321-3329

Mortgage

Document Number	609253
Date	Jan 13, 2017
Instrument	609253

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 539 E Montezuma Ave was $1,441, up 39.8% 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	$1,441.00 (+39.77%)	$28,565 (+42.2%) Land $5,227 Building $23,338	$358,851 (+42.2%) Land $65,660 Building $293,191
2024	$1,031.00 (+9.8%)	$20,088 (-17.89%) Land $3,605 Building $16,483	$252,363 (-17.89%) Land $45,285 Building $207,078
2023	$939.00 (+72.29%)	$24,466 (+116.86%) Land $4,390 Building $20,076	$307,363 (+116.86%) Land $55,154 Building $252,209
2022	$545.00	$11,282 Land $2,718 Building $8,564	$141,732 Land $34,143 Building $107,589

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 539 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 539 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.