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20289 Road S.7, Cortez, CO, 81321

3beds
2baths
1,604sqft
$275,000
$171price/sqft
$1,719/moest. monthly cost
$68,760/yrincome needed

About This Home

LOOKING FOR A FIXER UPPER??? This is a chance to make this home yours. This home is 1604 square feet and one story. It has Three bedrooms and two baths. The home is located on 3.670 acres and has two shares of water from the Vista Grande Estates WUA. This home needs a lot of TLC but presents an opportunity to make this home your home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

6/10
Cortez Middle SchoolGrades 6-88.8 mi
3/10

Construction

Condition

  • Year built: 1982

Materials

  • Roof: Metal
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area above ground: 1,604

Heating & Cooling

  • Heating features: Electric Baseboard,Wood Stove
  • Cooling features: Evaporative Cooling

Interior Area

  • Total structure area: 1,604
  • Total interior livable area: 1,604 sqft

Property

Details

  • Parcel number: 535524202012

Features

  • Horses can be raised: Yes

Lot

  • Lot size: 3.67 Acres

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
  • Drought
    DroughtRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Drought
Wildfire
Avalanche
Landslide
Winter Weather

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 $1,390$16,680
Home Insurance *$77$924
Property Taxes $66$792
Electricity $186$2,232
Total$1,719$20,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,937/yr
40% on housing$51,570/yr
45% on housing$45,840/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

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 81321$237
Montezuma County$309

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
2026-07-25Listed for sale$275,000

For Sale by Agent

AgentKevin Lex Johnson
BrokerageRE/MAX Mesa Verde Realty

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