1012 Ray Ave, Delta, CO 81416 Property Records

Delta County property record for 1012 Ray Ave, Delta, CO 81416 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,496 sqft · built 1975
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on File
Last Sale	$162,000 (Apr 2018)
Tax Bill	$1,239 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R012599`

Property Details

APN / Parcel Number

Primary APN	`R012599`
Alternative APN	`345519303001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,496 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,360 sqft (0.146 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Forced Air with A/C
Heating Fuel	Coal
Sewer	Connected

Location & Zoning

Account Number	R012599
Street Address	1012 RAY AVE
City	DELTA
State	CO
Zip	81416-2432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1012 RAY AVE DELTA 81416 S: 19 T: 15S R: 95W SUBDIVISION: JACKSON SUBDIVISION LOT: 9 .146 AC+- JACKSON SUBD /DELTA LT 9 SEC 19 T15S R95W 6PM BK 462 PG 991(R-371345) BK 562 PG 259 & 260 BK 633 PG 264 & 265 R-579356 R-579604 LET R-579605 DC R-579606 R-
Legal Subdivision	JACKSON SUBDIVISION
Legal Lot Number	9
Jurisdiction	DELTA CO
Township / Civil Division	DELTA
Census Block Group	2
Census Block	2049
Census Tract	965100

Owner

Source: Delta County records · APN R012599

Assessment roll updated May 4, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1012 RAY AVE, DELTA, CO 81416-2432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 12, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 02, 2019	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Apr 19, 2018	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Feb 21, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 19, 2018 · Amount on Record
Deed Sale	Apr 19, 2018 · Amount on Record
Prior Sale	May 14, 2004 · Amount on Record
Deed Document Number	2018702778
Prior Transfer Date	Jan 23, 2017
Prior Transfer Doc	0000693233
Record Updated	Jun 08, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1012 RAY AVE, DELTA, CO 81416-2432
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000750436
Date	Dec 14, 2023
Instrument	750436

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 29, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1012 RAY AVE, DELTA, CO 81416-2432
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000750374
Date	Dec 12, 2023
Instrument	750374

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 29, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1012 RAY AVE, DELTA, CO 81416-2432
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	715409
Date	Dec 02, 2019
Instrument	715409

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Apr 19, 2018
Property Address	1012 RAY AVE, DELTA, CO 81416-2432
Document Number	0000702778
Map Reference	MB3 PG18
Instrument Date	Apr 19, 2018
Instrument	702778
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$16.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1012 RAY AVE, DELTA, CO 81416-2432

Mortgage

Document Number	0000702779
Date	Apr 19, 2018
Instrument	702779

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DELTA CO
Recording Date	Feb 21, 2017
Property Address	1012 RAY AVE, DELTA, CO 81416-2432
Document Number	0000693233
Instrument Date	Jan 23, 2017
Instrument	693233
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 RAY AVE, DELTA, CO 81416-2432

Mortgage

Document Number	0000693234
Date	Feb 21, 2017
Instrument	693234

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2047

Tax Assessment & Valuation

Source: Delta County records · Assessment roll updated May 4, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Delta County
Municipality	Delta City
Unified School District	Delta County School District 50J (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,239.00 (+12.13%)	$18,215 (+9%) Land $3,125 Building $15,090	$291,445 (+16.85%) Land $50,000 Building $241,445
2024	$1,105.00 (+3.95%)	$16,711 (-) Land $2,745 Building $13,966
2023	$1,063.00 (+16.68%)	$16,711 (+18.39%) Land $2,745 Building $13,966	$249,421 (+22.81%) Land $40,966 Building $208,455
2022	$911.00	$14,115 Land $2,234 Building $11,881	$203,092 Land $32,143 Building $170,949

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Delta County (08029C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080299651002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1984–1992)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 1992, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 440 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Delta Montrose Electric Association	Fiber	6,000 / 6,000
Clearnetworx	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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