1220 W Main St, Cedaredge, CO 81413 Property Records

Delta County property record for 1220 W Main St, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,140 sqft · built 1996
Lot Size	0.969 acres (42,210 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Nov 2012)
Tax Bill	$2,084 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R002401`

Property Details

APN / Parcel Number

Primary APN	`R002401`
Alternative APN	`319319411003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	3,140 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	42,210 sqft (0.969 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	R002401
Street Address	1220 W MAIN ST
City	CEDAREDGE
State	CO
Zip	81413-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1220 W MAIN ST CEDAREDGE 81413 S: 19 T: 13S R: 94W SUBDIVISION: CEDAR ROCK SUBDIVISION #5 LOT: 15 TOTAL AC 0.969+- (N162.58, S161.77, E261.71, W169.65+90.84) LOT 15 CEDAR ROCK SUB #5. PT SE4SE4 SEC 19 T13S R94W 6PM BK 492 PGS 658 (R-392077) THRU 662
Legal Subdivision	CEDAR ROCK SUBDIVISION #5
Legal Lot Number	15
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	1
Census Block	1012
Census Tract	965201

Owner

1220 W Main St is owned and occupied by an individual who bought it in November 2012.

Source: Delta County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	1220 W MAIN ST, CEDAREDGE, CO 81413-3409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Aug 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE
Aug 10, 2026	Quit Claim Deed, Transfer ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC
Apr 16, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2012 · Amount on File
Deed Sale	Nov 30, 2012 · Amount on File
Prior Sale	May 7, 2012
Deed Document Number	2012662886
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Recording Date	Aug 6, 2026
Property Address	1220 W MAIN ST, CEDAREDGE, CO 81413-3409
Document Number	0000769347
Instrument Date	Aug 1, 2026
Instrument	2026769347
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 W MAIN ST, CEDAREDGE, CO 81413-3409

Mortgage

Document Number	0000769347,
Date	Aug 6, 2026
Instrument	2026769347

Lender

Name	NATIONS DIRECT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELTA CO
Recording Date	Aug 10, 2026
Property Address	1220 W MAIN ST, CEDAREDGE, CO 81413-3409
Document Number	0000769424
Instrument Date	Jul 27, 2026
Instrument	2026769424
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 W MAIN ST, CEDAREDGE, CO 81413-3409

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	1220 W MAIN ST, CEDAREDGE, CO 81413-3409
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000710167
Date	Apr 16, 2019
Instrument	710167

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1220 W Main St was $2,084, up 15.8% from the year before.

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	$2,084.00 (+15.84%)	$30,186 (+14.32%) Land $2,813 Building $27,373	$482,967 Land $45,000 Building $437,967
2024	$1,799.00 (+4.11%)	$26,405 (-) Land $2,352 Building $24,053
2023	$1,728.00 (+9.92%)	$26,405 (+12.5%) Land $2,352 Building $24,053	$394,097 (+16.69%) Land $35,101 Building $358,996
2022	$1,572.00	$23,472 Land $2,016 Building $21,456	$337,725 Land $29,000 Building $308,725

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 1220 W Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 1220 W Main St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Colorado
Wildfire Likelihood	0.05% 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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