Delta County property record for 109 Main St, Paonia, CO 81428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,222 sqft · built 1942 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Feb 2018) |
| Tax Bill | $1,596 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R009034 |
| Primary APN | R009034 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,222 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,068 sqft (0.3 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R009034 |
|---|---|
| Street Address | 109 MAIN ST |
| City | PAONIA |
| State | CO |
| Zip | 81428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 109 MAIN AVE PAONIA 81428 S: 6 T: 14S R: 91W SUBDIVISION: ORIGINAL PAONIA BLOCK: 2 LOT: 31 THRU:- LOT: 34 S2 OF 31 TOTAL 0.27 AC+- PT LOT 31 & ALL LOTS 32 THRU 34 BLK 2 ORIGINAL PAONIA. SEC 6 T14S R91W 6PM BK 447 PG 1447 (R-352941) BK 496 PG 827(R-39 |
| Legal Subdivision | ORIGINAL PAONIA |
| Legal Block | 2 |
| Legal Lot Number | 31 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | PAONIA |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 964600 |
109 Main St is owned by an individual who acquired it in February 2019.
Source: Delta County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28506 LITTLE BIG HORN DR, EVERGREEN, CO 80439-6314 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Feb 28, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 5, 2018 | Warranty Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO |
| Feb 5, 2018 | Intrafamily Transfer, Transfer NELSON BOCK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2018 · Amount on File |
| Deed Sale | Feb 5, 2018 · Amount on File |
| Prior Sale | Oct 12, 2011 · Amount on File |
| Deed Document Number | 2018701300 |
| Last Transfer Date | Feb 22, 2019 |
| Transfer Doc | 0000709187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 109 MAIN ST, PAONIA, CO 81428 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2022 |
| Title Company | HERITAGE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000736302 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 736302 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Feb 28, 2019 |
| Property Address | 109 MAIN ST, PAONIA, CO 81428 |
| Document Number | 0000709187 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 709187 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 MAIN AVE, 109, PAONIA, CO 81428 |
| Name | Verified Name |
|---|---|
| Address | 109 MAIN ST, PAONIA, CO 81428 |
| Document Number | 0000709188 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 709188 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Feb 5, 2018 |
| Property Address | 109 MAIN ST, PAONIA, CO 81428 |
| Document Number | 0000701300 |
| Instrument Date | Feb 2, 2018 |
| Instrument | 701300 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $12.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28506 LITTLE BIG HORN DR, 28506, EVERGREEN, CO 80439-6314 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Investor | Possibly a Property Investor |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Feb 5, 2018 |
| Property Address | 109 MAIN ST, PAONIA, CO 81428 |
| Document Number | 0000701299 |
| Instrument Date | Jan 31, 2018 |
| Instrument | 701299 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2437 N DOWNING ST, 2437, DENVER, CO 80205-5238 |
| Name | Verified Name |
|---|---|
| Relationship | Et Al (and Others) |
| Address | 1120 HIGHLAND ST, HELENA, MT 59601-5122 |
| Document Number | 0000701301 |
|---|---|
| Date | Feb 5, 2018 |
| Instrument | 701301 |
| Name | NELSON BOCK |
|---|---|
| Type | Private Party |
| Amount | Amount on Record |
|---|---|
| Term | 3 Months |
| Due | May 1, 2018 |
The 2025 property tax bill for 109 Main St was $1,596, up 39.3% from the year before.
Source: Delta County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Delta County |
| Municipality | Paonia Town |
| Unified School District | Delta County School District 50J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,596.00 (+39.27%) | $21,336 (+36.39%) Land $6,625 Building $14,711 | $341,375 Land $106,000 Building $235,375 |
| 2024 | $1,146.00 (+4.37%) | $15,643 (-) Land $3,254 Building $12,389 | |
| 2023 | $1,098.00 (+1.86%) | $15,643 (+4.92%) Land $3,254 Building $12,389 | $233,467 (+8.83%) Land $48,560 Building $184,907 |
| 2022 | $1,078.00 | $14,910 Land $2,433 Building $12,477 | $214,526 Land $35,000 Building $179,526 |
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.
FEMA maps place 109 Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1980–1992) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 1992 · river or lake flooding |
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 risk around 109 Main St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WEST PAONIA DOMESTIC WATER COMPANY serves 57 people · EPA ID CO0115838 |
|---|---|
| Water Source | Purchased surface water from TOWN OF PAONIA |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Jun 2019 |
| 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.
Source: FCC Broadband Data Collection, based on 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Delta County Tele-Comm Fiber · DSL | 6,000 / 6,000 |
| Elevate Internet Fiber | 6,000 / 6,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures