1020 W Main St, Cedaredge, CO 81413 Property Records

Delta County property record for 1020 W Main St, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1979
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Oct 2025)
Tax Bill	$764 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R002359`

Property Details

APN / Parcel Number

Primary APN	`R002359`
Alternative APN	`319319402009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,400 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R002359
Street Address	1020 W MAIN ST
City	CEDAREDGE
State	CO
Zip	81413-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1020 W MAIN ST CEDAREDGE 81413 S: 19 T: 13S R: 94W SUBDIVISION: CEDAR ROCK SUBDIVISION LOT: C TOTAL AC 33+- (N125.01, S125.02, E115.67, W114.47) LOT C CEDAR ROCK SUB. SEC 19 T13S R94W 6PM PT OF SE4SE4 BEG WH SE COR BRS S573203 E270.15 S115.67 N8854
Legal Subdivision	CEDAR ROCK SUBDIVISION
Legal Lot Number	C
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	1
Census Block	1021
Census Tract	965201

Owner

Source: Delta County records, as of August 21, 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 Record
Mailing Address	1020 W MAIN ST, CEDAREDGE, CO 81413-3408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Prior Sale	Sep 15, 2006 · Amount on Record
Deed Document Number	2025763392
Prior Transfer Date	Feb 5, 2007
Prior Transfer Doc	0000611860
Record Updated	Oct 29, 2026

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Oct 2, 2025
Property Address	1020 W MAIN ST, CEDAREDGE, CO 81413-3408
Document Number	0000763392
Map Reference	MB 4 PG 103
Instrument Date	Oct 2, 2025
Instrument	763392
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$34.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 W MAIN ST, CEDAREDGE, CO 81413-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1020 W MAIN ST, CEDAREDGE, CO 81413-3408

Mortgage

Document Number	0000763393
Date	Oct 2, 2025
Instrument	763393

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000763394
Date	Oct 2, 2025
Instrument	763394

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Delta County assessment roll, as of May 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$764.00 (+49.51%)	$17,322 (+21.96%) Land $2,813 Building $14,509	$277,149 (+30.74%) Land $45,000 Building $232,149
2024	$511.00 (+4.71%)	$14,203 (+0.31%) Land $2,128 Building $12,075
2023	$488.00 (+5.17%)	$14,159 (+2.11%) Land $2,127 Building $12,032	$211,981 (+6.25%) Land $31,760 Building $180,221
2022	$464.00	$13,867 Land $2,016 Building $11,851	$199,511 Land $29,000 Building $170,511

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · lower than 83% of Colorado
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF CEDAREDGE serves 2,400 people · EPA ID CO0115171
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Elevate Internet Fiber	6,000 / 6,000
Delta County Tele-Comm Fiber · DSL	6,000 / 6,000
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

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