12914 Hwy 491, Cortez, CO, 81321
About This Home
Exceptional MIXED-USE property offering incredible flexibility for residential living, multi-generational use, rental income, or a home-based business. This custom-built 3,190 sq. ft. property features TWO fully functional living levels, each approximately 1,595 sq. ft., creating excellent potential for separate living quarters or investment opportunities. The main level showcases 10-foot ceilings, a spacious living room with an electric fireplace, formal dining area, and a large kitchen with oak cabinetry. The primary suite features 2 walk-in closets and private bath with a dual vanity, soaking tub, separate shower, and private deck entrance, while two additional bedrooms and a full bath are located on the opposite side of the home for added privacy. A laundry/utility room provides direct access to the attached two-car garage. The finished lower level has its own private entrance can be utilized as an second LARGE bedroom suite and includes a full kitchen, full bath, in-floor radiant heat, built-in desk, insulated pantry, 9-foot ceilings, and generous living space, making it ideal for guests, extended family, or rental use. Enjoy the private patio complete with built-in speakers and surround sound. Additional amenities include on-demand hot water, whole-house water filtration, built-in bookshelves, LED lighting throughout most of the home, front yard sprinkler system, and generator wiring. The impressive 40' x 65' shop is equipped with electricity, LED lighting, a swamp cooler, and a bathroom with sink, providing ample space for a business, workshop, or storage. Run your commercial business without leaving home. And thats not all!!! Two other outbuilding/shops provide even more opportunity for covered storage or additional work area for those hobbies. A separate homesite with utilities is ready for a manufactured home or RV hookup, adding even more versatility. Secure fencing offers peace of mind as well. Conveniently located just minutes from town with beautiful mountain views, this one-of-a-kind property offers endless possibilities.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2009
Materials
- Foundation: Concrete Perimeter
- Roof: Composition
- Construction materials: Wood Frame,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch Basement
- Property subType: Stick Built
Interior
Appliances
- Appliances included: Range,Refrigerator,Dishwasher,Washer,Dryer,Microwave
- Laundry features: W/D Hookup
Basement
- Has basement: Yes
- Basement: Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: Separate Dining
Features
- Ceiling Fan(s),Walk-In Closet(s)
- Flooring: Laminate,Tile
- Fireplace features: Gas Log,Living Room,Wood Burning Stove,Wood Stove
- Fireplace: Yes
Heating & Cooling
- Heating features: Hot Water Baseboard,Radiant Floor,Wood Stove
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 3,190
- Total interior livable area: 3,190 sqft
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 561109200007
- Zoning description: Commercial,Residential Single Family
Features
- Patio & porch: Patio,Deck,Covered Porch
- Exterior features: Lawn Sprinklers
- Has view: Yes
- View description: Mountain(s)
- Horses can be raised: Yes
Lot
- Lot size: 6.90 Acres
- Features: Cleared
Parking
- Total spaces: 2
- Parking features: Attached Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Wildfire
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 | $3,736 | $44,832 |
| Home Insurance * | $206 | $2,472 |
| Property Taxes | $178 | $2,136 |
| Electricity | $240 | $2,889 |
| Total | $4,360 | $52,320 |
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 |
|---|---|---|
| 2026-07-30 | Listed for sale | $739,000 |
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