1015 Howard St, Delta, CO 81416 Property Records

Delta County property record for 1015 Howard St, Delta, CO 81416

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 919 sqft · built 1947
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Mar 2026)
Tax Bill	$1,061 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jan 2007 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R015331`

Property Details

APN / Parcel Number

Primary APN	`R015331`
Alternative APN	`345724403016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	919 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	R015331
Street Address	1015 HOWARD ST
City	DELTA
State	CO
Zip	81416-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1015 HOWARD ST DELTA 81416 S: 24 T: 15S R: 96W SUBDIVISION: HILLMANS SUB DE BLOCK: 7 LOT: 3 AND:- LOT: 4 TOTAL ACRES 0.18 +/- HILLMANS SUBD DELTA BLOCK 7LOT 3 & 4 SEC 24 T15S R96W 6PM 0.17 AC+- BK 288 PG 196 BK 446 PG 167 & 168 (R-350770 &N R-350771)
Legal Subdivision	HILLMANS SUB DE
Legal Block	7
Legal Lot Number	3
Jurisdiction	DELTA CO
Township / Civil Division	DELTA
Census Block Group	2
Census Block	2051
Census Tract	965100

Owner

1015 Howard St is owned and occupied by two individuals who bought it in March 2026.

Source: Delta County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1015 HOWARD ST, DELTA, CO 81416-2112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Jan 4, 2007	Deed of Trust, Mortgage · Conventional Mortgage GMAC MORTGAGE LLC
Mar 11, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2026 · Amount on File
Deed Sale	Mar 11, 2026 · Amount on File
Prior Sale	Mar 22, 2016 · Amount on File
Deed Document Number	2026766517
Prior Transfer Date	Mar 12, 2009
Prior Transfer Doc	0000632778
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1015 HOWARD ST, DELTA, CO 81416-2112
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000766519
Date	Mar 11, 2026
Instrument	766519

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	DALLAS, TX 75248

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1015 HOWARD ST, DELTA, CO 81416-2112
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000611081
Date	Jan 4, 2007
Instrument	611081

Lender

Name	GMAC MORTGAGE LLC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2037

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Mar 11, 2026
Property Address	1015 HOWARD ST, DELTA, CO 81416-2112
Document Number	0000766517
Instrument Date	Mar 10, 2026
Instrument	766517
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1015 HOWARD ST, DELTA, CO 81416-2112

Mortgage

Document Number	0000766518
Date	Mar 11, 2026
Instrument	766518

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 1015 Howard St was $1,061, up 4% from the year before.

Source: Delta County assessment roll, as of May 4, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,061.00 (+39.97%)	$15,591 (+36.08%) Land $3,125 Building $12,466	$249,454 (+45.88%) Land $50,000 Building $199,454
2024	$758.00 (+3.98%)	$11,457 (-) Land $2,535 Building $8,922	$171,002 (-) Land $37,832 Building $133,170
2023	$729.00 (+15.71%)	$11,457 (+17.35%) Land $2,535 Building $8,922	$171,002 (+21.74%) Land $37,832 Building $133,170
2022	$630.00	$9,763 Land $3,128 Building $6,635	$140,466 Land $45,000 Building $95,466

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.

Flood

FEMA maps place 1015 Howard St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

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.

Wildfire

The area around 1015 Howard St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF DELTA serves 8,700 people · EPA ID CO0115205
Water Source	Purchased surface water from PROJECT 7 WA
Last State Inspection	Feb 2024
Also Mapped Here	TRI COUNTY WCD

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Elevate Internet Fiber	6,000 / 6,000
Clearnetworx Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures