713 E 4th St, Cortez, CO 81321 Property Records

Montezuma County property record for 713 E 4th St, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 926 sqft · built 1958
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on File
Tax Bill	$756 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R010183`

Property Details

APN / Parcel Number

Primary APN	`R010183`
Alternative APN	`561126423006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	926 sqft Total Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,233 sqft (0.189 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Account Number	R010183
Street Address	713 E 4TH ST
City	CORTEZ
State	CO
Zip	81321-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUBDIVISION: MCBRIDE ADDITION LOT: 9 BLOCK: 5 B496 P515 B656 P698 B730 P747 R/462019
Legal Range	13W
Legal Township	36N
Legal Section	28
Legal Subdivision	MCBRIDE ADDITION
Legal Block	5
Legal Lot Number	9
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	1
Census Block	1032
Census Tract	969400

Owner

713 E 4th St is owned and occupied by an individual who acquired it in April 2002.

Source: Montezuma County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	713 E 4TH ST, CORTEZ, CO 81321-3925
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
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage RIGHT START MORTGAGE
Mar 6, 2024	Deed of Trust, Mortgage · Line of Credit THE DOLORES STATE BANK
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2002
Deed Sale	Apr 25, 2002
Prior Sale	Apr 1, 1997 · Amount on File
Deed Document Number	2002503805
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Recording Date	Apr 27, 2026
Property Address	713 E 4TH ST, CORTEZ, CO 81321-3925
Document Number	0000666806
Instrument Date	Apr 20, 2026
Instrument	2026666806
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	713 E 4TH ST, CORTEZ, CO 81321-3925
Investor	Possibly a Property Investor

Mortgage

Document Number	0000666806,
Date	Apr 27, 2026
Instrument	2026666806

Lender

Name	RIGHT START MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	713 E 4TH ST, CORTEZ, CO 81321-3925
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	713 E 4TH ST, CORTEZ, CO 81321-3925

Mortgage

Document Number	0000655058
Date	Mar 6, 2024
Instrument	655058

Lender

Name	THE DOLORES STATE BANK
Type	Bank
Address	DOLORES, CO 81323

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 17, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	713 E 4TH ST, CORTEZ, CO 81321-3925
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000628538
Date	Mar 23, 2020
Instrument	628538

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 713 E 4th St was $756, up 38.7% 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	$756.00 (+38.72%)	$14,988 (+41.22%) Land $1,707 Building $13,281	$188,296 (+41.22%) Land $21,450 Building $166,846
2024	$545.00 (+9.88%)	$10,613 (-29.2%) Land $2,036 Building $8,577	$133,336 (-29.2%) Land $25,582 Building $107,754
2023	$496.00 (+1.22%)	$14,991 (+47.87%) Land $2,876 Building $12,115	$188,336 (+47.87%) Land $36,135 Building $152,201
2022	$490.00	$10,138 Land $1,313 Building $8,825	$127,368 Land $16,500 Building $110,868

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 713 E 4th St 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

The area around 713 E 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 175 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
Visionary Broadband Fixed Wireless	100 / 20
Nimbus Solutions Fixed Wireless	100 / 20

May also be available: Farmers Telecommunications.

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