1020 Bluff St, Delta, CO 81416 Property Records

Delta County property record for 1020 Bluff St, Delta, CO 81416

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,052 sqft · built 1923
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jul 2023)
Tax Bill	$1,146 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R025344`

Property Details

APN / Parcel Number

Primary APN	`R025344`
Alternative APN	`345724401008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,052 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2007
Architectural Style	Bungalow
Exterior Material	Marblecrete
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R025344
Street Address	1020 BLUFF ST
City	DELTA
State	CO
Zip	81416-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1020 BLUFF ST DELTA 81416 1010 BLUFF ST DELTA 81416 TOTAL AC .22+- SEC24 T15S R96W BLK 1 LOTS 27-30 OF HILLMANS SUBDIVISION R728870 R-747898
Legal Subdivision	HILLMANS SUBDIVISION
Legal Block	1
Jurisdiction	DELTA CO
Township / Civil Division	DELTA
Census Block Group	2
Census Block	2050
Census Tract	965100

Owner

Source: Delta County records, as of May 4, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1020 BLUFF ST, DELTA, CO 81416-2131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Feb 8, 2017	Deed of Trust, Mortgage DELTA HOUSING AUTHORITY
Apr 20, 2021	Deed of Trust, Mortgage HABITAT FOR HUMANITY OF SAN SAM JUAN
Dec 18, 2020	Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Deed Document Number	2023747898
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Jul 28, 2023
Property Address	1020 BLUFF ST, DELTA, CO 81416-2131
Document Number	0000747898
Instrument Date	Jul 28, 2023
Instrument	747898
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$27.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 BLUFF ST, DELTA, CO 81416-2131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 BLUFF ST, DELTA, CO 81416-2131

Mortgage

Document Number	0000747899
Date	Jul 28, 2023
Instrument	747899

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1020 BLUFF ST, DELTA, CO 81416-2131
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000693029
Date	Feb 8, 2017
Instrument	693029

Lender

Name	DELTA HOUSING AUTHORITY
Type	Government Agency
Address	DELTA, CO 81416

Agreement

Amount	Amount Recorded
Term	2 Months
Due	Apr 1, 2017

Interest

Rate Type	Fixed Rate
Rate	2%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1020 BLUFF ST, DELTA, CO 81416-2131
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000728293
Date	Apr 20, 2021
Instrument	728293

Lender

Name	HABITAT FOR HUMANITY OF SAN SAM JUAN
Type	Government Agency
Address	MONTROSE, CO 81402

Agreement

Amount	Amount Recorded

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELTA CO
Recording Date	Dec 18, 2020
Property Address	1020 BLUFF ST, DELTA, CO 81416-2131
Document Number	0000724725
Instrument Date	Dec 14, 2020
Instrument	724725
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	483 COLOROW DR, 483, GRAND JUNCTION, CO 81504-5837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 BLUFF ST, DELTA, CO 81416-2131

Mortgage

Document Number	0000724726
Date	Dec 18, 2020
Instrument	724726

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$1,146.00 (+54.86%)	$16,847 (+50.51%) Land $3,125 Building $13,722	$269,555 (+61.35%) Land $50,000 Building $219,555
2024	$740.00 (+3.93%)	$11,193 (-) Land $2,520 Building $8,673
2023	$712.00 (+6.27%)	$11,193 (+7.72%) Land $2,520 Building $8,673	$167,065 (+11.75%) Land $37,616 Building $129,449
2022	$670.00	$10,391 Land $3,128 Building $7,263	$149,497 Land $45,000 Building $104,497

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

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

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.

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