620 Baker Ave, Cortez, CO 81321 Property Records

Montezuma County property record for 620 Baker Ave, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,758 sqft · built 1959
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Jan 2021)
Tax Bill	$1,312 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R010603`

Property Details

APN / Parcel Number

Primary APN	`R010603`
Alternative APN	`561134104014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,758 sqft Total Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	8,407 sqft (0.193 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Account Number	R010603
Street Address	620 BAKER AVE
City	CORTEZ
State	CO
Zip	81321-4007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUBDIVISION: VERDE VU LOT: 9A BLOCK: 6 B490 P299-300 B640 P101 PL/14 P4
Legal Subdivision	VERDE VU
Legal Block	6
Legal Lot Number	9A
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	4
Census Block	4014
Census Tract	969400

Owner

620 Baker Ave is owned and occupied by an individual who acquired it in January 2021.

Source: Montezuma County records, as of October 8, 2026

Owner of Record	Individual Name on File
Mailing Address	620 BAKER AVE, CORTEZ, CO 81321-4007
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

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ZIONS BANCORPORATION NA
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jan 27, 2021	Intrafamily Transfer, Transfer
Jan 8, 2021	Special Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD
Mar 8, 2018	Warranty Deed, Transfer · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Mar 8, 2018 · Amount on File
Deed Document Number	2021634212
Last Transfer Date	Jan 15, 2021
Transfer Doc	0000634609
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Recording Date	Sep 30, 2026
Property Address	620 BAKER AVE, CORTEZ, CO 81321-4007
Document Number	0000669179
Instrument Date	Sep 25, 2026
Instrument	2026669179
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 BAKER AVE, CORTEZ, CO 81321-4007

Mortgage

Document Number	0000669179,
Date	Sep 30, 2026
Instrument	2026669179

Lender

Name	ZIONS BANCORPORATION NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	620 BAKER AVE, CORTEZ, CO 81321-4007
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000653096
Date	Oct 11, 2023
Instrument	653096

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEZUMA CO
Recording Date	Jan 27, 2021
Property Address	620 BAKER AVE, CORTEZ, CO 81321-4007
Document Number	0000634609
Map Reference	MB 14 PG 4
Instrument Date	Jan 15, 2021
Instrument	634609
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	FM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	620 BAKER AVE, CORTEZ, CO 81321-4007

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Jan 8, 2021
Property Address	620 BAKER AVE, CORTEZ, CO 81321-4007
Document Number	0000634212
Map Reference	MB 14 PG 4
Instrument Date	Jan 8, 2021
Instrument	634212
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 BAKER AVE, CORTEZ, CO 81321-4007

Mortgage

Document Number	0000634213
Date	Jan 8, 2021
Instrument	634213

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Mar 8, 2018
Property Address	620 BAKER AVE, CORTEZ, CO 81321-4007
Document Number	0000616075
Map Reference	MB14 PG4
Instrument Date	Mar 8, 2018
Instrument	616075
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	620 BAKER AVE, CORTEZ, CO 81321-4007

Mortgage

Document Number	0000616076
Date	Mar 8, 2018
Instrument	616076

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 620 Baker Ave was $1,312, up 54.5% 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	$1,312.00 (+54.53%)	$25,990 (+57.24%) Land $3,086 Building $22,904	$326,503 (+57.24%) Land $38,765 Building $287,738
2024	$849.00 (+9.97%)	$16,529 (-20.94%) Land $2,440 Building $14,089	$207,646 (-20.94%) Land $30,647 Building $176,999
2023	$772.00 (-7.66%)	$20,907 (+20.83%) Land $3,086 Building $17,821	$262,646 (+20.83%) Land $38,765 Building $223,881
2022	$836.00	$17,303 Land $3,086 Building $14,217	$217,374 Land $38,765 Building $178,609

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 620 Baker Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 620 Baker Ave is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 78% of Colorado
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 353 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, T-Mobile.

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