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25220 Road M, Cortez, CO, 81321

6beds
3baths
3,000sqft
$700,000
$233price/sqft
$4,130/moest. monthly cost
$165,200/yrincome needed

About This Home

Set on 17.43 acres just outside of Cortez in scenic Montezuma County, this versatile farm and ranch property offers the perfect blend of space, functionality, and Southwest Colorado lifestyle. With wide-open pastures, mountain views, and agricultural zoning, this property is built for those seeking room to grow whether that’s livestock, recreation, or simply a quieter way of life. Making its debut to the market, this is a rare opportunity to own a property that has been held and cared for over time and has never before been offered for sale. The land itself is a standout feature. Comprised of just over 49 acres of usable ground, the property is well-suited for grazing, horses, or a variety of agricultural uses. Existing pasture areas provide immediate functionality, while the open layout allows flexibility for future improvements such as fencing, barns, corrals, or other agricultural infrastructure. A live stream runs through the property, creating a unique natural feature that enhances both the beauty and usability of the land. The 3,000 square foot raised ranch-style home offers six bedrooms and three full bathrooms, providing ample space for family, guests, or multi-generational living. Built in 1985, the home features a practical layout designed for comfort and functionality, including living room spaces on each floor ideal for entertaining, relaxing, or creating separate gathering areas. Inside, you’ll find a mix of tile and carpet flooring throughout, balancing durability and comfort in all the right places. Large windows bring in natural light and frame the surrounding landscape, while the asphalt shingle roof provides a classic and reliable roofing system. One of the standout features of the home is the large back porch, perfectly positioned to take in sweeping views of Ute Mountain. This space creates the ideal setting for morning coffee, evening sunsets, and enjoying the peaceful surroundings that make this area so special. Beyond the property lines, the lifestyle here is what truly sets this offering apart. Located just minutes from Cortez, you’ll enjoy the convenience of town amenities while maintaining the privacy and freedom of rural living. The area is known for its rich history, strong agricultural roots, and access to some of the Southwest’s most iconic destinations. Spend your time exploring nearby Mesa Verde National Park, enjoying endless public lands, or taking in the wide-open views that define this part of Colorado. Whether you’re riding, running livestock, or simply enjoying the peace and quiet, this location supports the lifestyle so many are looking for. This property offers a rare combination of acreage, usability, natural water features, and proximity to town ideal for buyers looking to establish a working property, invest in land, or create a private Colorado retreat. Whether you're running cattle, starting a hobby farm, or building your long-term vision, 25220 Road M delivers the foundation, flexibility, and opportunity to make it your own. Note 6th Bedroom is none conforming.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
Kemper Elementary SchoolGrades K-52.4 mi
6/10
Cortez Middle SchoolGrades 6-82.6 mi
3/10

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Metal
  • Construction materials: Wood Frame,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Window features: Double Pane Windows
  • Flooring: Carpet-Partial,Hardwood

Heating & Cooling

  • Heating features: Electric Baseboard
  • Cooling features: Evaporative Cooling

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 561114200021
  • Zoning description: Agriculture,Residential Single Family

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Landscaping
  • Has view: Yes
  • View description: Mountain(s)
  • Has water view: Yes
  • Water view: Stream/River
  • Horses can be raised: Yes

Lot

  • Lot size: 17.43 Acres
  • Features: Pasture

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Wildfire

FEMA Declared Disasters Across Colorado Counties

Fire
Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,539$42,468
Home Insurance *$196$2,352
Property Taxes $169$2,028
Electricity $226$2,717
Total$4,130$49,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,600/yr
40% on housing$123,900/yr
45% on housing$110,133/yr

Colorado FAIR Plan Programs

Colorado FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.1%
12.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 81321$233
Montezuma County$307

vs Homes Sold Last Month

Median $/sqft

ZIP 81321
Montezuma County$236

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-06Price change$850,000
2026-03-06Listed for sale$700,000

For Sale by Agent

AgentTel Hamilton
BrokerageBlackmore Group

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