428 W 4th Street, Cortez, CO, 81321
About This Home
Spacious 4 Bedroom 1.5 bath home offering 2,739sq ft of comfortable living space, conveniently located withing city limits! Situated on a desirable corner lot spanning three lots, this property has beautiful curb appeal, mature trees, and a privacy fenced backyard that's perfect for entertaining, pets, or simply relaxing. Enjoy outdoor living from the covered front deck or the covered back patio overlooking the expansive yard. Inside, you'll find a warm and inviting family room centered around a cozy pellet stove, along with a spacious basement featuring a versatile office, recreation room, or additional living space. The home also offers abundant storage, including a large basement storage area and a generously sized outdoor storage shed. The owner is currently completing updating projects, providing a great opportunity to enjoy recent improvements while adding your own personal touches. With its spacious layout, oversized lot, fantastic location, and endless potential this is a property you won't want to miss!
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1945
Materials
- Foundation: Block,Concrete Perimeter
- Roof: Asphalt
- Construction materials: Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,Ranch Basement
- Property subType: Stick Built
Interior
Appliances
- Appliances included: Range,Refrigerator,Dishwasher,Washer,Dryer,Disposal
- Laundry features: W/D Hookup
Basement
- Has basement: Yes
- Basement: Partially Finished
Bedroom2
- Area: 165
Bedroom3
- Area: 170
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Features: Separate Dining
- Area: 110
Family Room
- Area: 117
Features
- Ceiling Fan(s),Pantry
- Window features: Window Coverings
- Flooring: Carpet-Partial,Laminate,Tile,Vinyl
- Fireplace features: Den/Family Room,Blower Fan,Pellet Stove
- Fireplace: Yes
- Finished area above ground: 1,651
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 2,739
- Total interior livable area: 2,739 sqft
Kitchen
- Area: 192
Living Room
- Area: 252
Master Bedroom
- Level: Main
- Area: 195
Property
Details
- Parcel number: 561127406004
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Lawn Sprinklers
Lot
- Lot size: 0.32 Acres
- Features: Corner Lot
- Lot size dimensions: 100 x 142
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
- Winter Weather
- Cold Wave
How This Home’s Risks Compare
FEMA Declared Disasters Across Colorado Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,567 | $18,804 |
| Home Insurance * | $86 | $1,032 |
| Property Taxes | $74 | $888 |
| Electricity | $206 | $2,481 |
| Total | $1,933 | $23,196 |
Income You'd Need if You Spent...
Colorado FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-03 | Listed for sale | $310,000 |
| 2016-08-18 | Sold | $189,500 |
| 2016-04-12 | Listed for sale | $225,000 |
| 2016-01-30 | Listing removed | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Listed for sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-09 | Pending sale | $225,000 |
| 2016-01-06 | Pending sale | $225,000 |
| 2016-01-06 | Listed for sale | $225,000 |
| 2016-01-06 | Pending sale | $225,000 |
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