Delta County property record for 1243 Bluff St, Delta, CO 81416
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,532 sqft · built 1967 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $164,900 (Feb 2019) |
| Tax Bill | $1,248 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2023 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R015453 |
| Primary APN | R015453 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,532 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R015453 |
|---|---|
| Street Address | 1243 BLUFF ST |
| City | DELTA |
| State | CO |
| Zip | 81416-2134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1243 BLUFF ST DELTA 81416 S: 24 T: 15S R: 96W SUBDIVISION: HILLMANS SUB DE BLOCK: 4 LOT: 13 AND:- LOT: 14 TOTAL ACRES 0.17 +/- HILLMANS SUBD DELTA BLK 4 LT 13 & 14 SEC 24 T15S R96W 6PM BK 424 PG 43 BK 529 PGS 698 & 700 BK 540 PG 808 BK 567 PG 51 BK 6 |
| Legal Subdivision | HILLMANS SUB DE |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | DELTA |
| Census Block Group | 2 |
| Census Block | 2082 |
| Census Tract | 965100 |
1243 Bluff St is owned and occupied by two individuals who bought it in February 2019.
Source: Delta County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage DOVENMUEHLE MORTGAGE INC |
| Jun 10, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 26, 2012 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 11, 2009 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 19, 2019 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) COLORADO HOUSING & FINANCE AUTHORITY |
| Jul 14, 2006 | Deed of Trust, Mortgage DELTA COUNTY FEDERAL CREDIT UNION |
| Feb 19, 2019 | Special Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Nov 30, 2005 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2019 · Amount on File |
| Deed Sale | Feb 19, 2019 · Amount on File |
| Prior Sale | Jul 17, 2006 · Amount on File |
| Deed Document Number | 2019709010 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Investor | Possibly a Property Investor |
| Document Number | 0000731644 |
|---|---|
| Date | Aug 9, 2021 |
| Instrument | 731644 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Investor | Possibly a Property Investor |
| Document Number | 0000745052 |
|---|---|
| Date | Mar 3, 2023 |
| Instrument | 745052 |
| Name | DOVENMUEHLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Investor | Possibly a Property Investor |
| Document Number | 0000760984 |
|---|---|
| Date | Jun 10, 2025 |
| Instrument | 760984 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 285 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | LSI |
| Name | Verified Name |
|---|
| Document Number | 0000662713 |
|---|---|
| Date | Nov 26, 2012 |
| Instrument | 662713 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | FIRST AMERICAN TITLE, FAHTCO |
| Name | Verified Name |
|---|
| Document Number | 0000632075 |
|---|---|
| Date | Feb 11, 2009 |
| Instrument | 632075 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | NEWARK, NJ 07101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000709012 |
|---|---|
| Date | Feb 19, 2019 |
| Instrument | 709012 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000605546 |
|---|---|
| Date | Jul 14, 2006 |
| Instrument | 605546 |
| Name | DELTA COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address | DELTA, CO 81416 |
| Amount | Amount on Record |
|---|
| Rate | 0.65% |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Feb 19, 2019 |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Document Number | 0000709010 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 709010 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | HERITAGE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16.49 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 00000 |
| Investor | Possibly a Property Investor |
| Document Number | 0000709011 |
|---|---|
| Date | Feb 19, 2019 |
| Instrument | 709011 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Nov 30, 2005 |
| Property Address | 1243 BLUFF ST, DELTA, CO 81416-2134 |
| Document Number | 0000598282 |
| Instrument Date | Nov 29, 2005 |
| Instrument | 598282 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 967, DELTA, CO 81416-0967 |
| Document Number | 0000598283 |
|---|---|
| Date | Nov 30, 2005 |
| Instrument | 598283 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 396 Months |
| Due | Nov 28, 2038 |
The 2025 property tax bill for 1243 Bluff St was $1,248, up 30.5% from the year before.
Source: Delta County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Delta County |
| Municipality | Delta City |
| Unified School District | Delta County School District 50J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,248.00 (+30.54%) | $18,342 (+26.93%) Land $3,125 Building $15,217 | $293,474 Land $50,000 Building $243,474 |
| 2024 | $956.00 (+3.91%) | $14,451 (-) Land $2,669 Building $11,782 | |
| 2023 | $920.00 (+6.6%) | $14,451 (+8.07%) Land $2,669 Building $11,782 | $215,692 (+12.11%) Land $39,841 Building $175,851 |
| 2022 | $863.00 | $13,372 Land $3,128 Building $10,244 | $192,398 Land $45,000 Building $147,398 |
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 1243 Bluff 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.
The area around 1243 Bluff 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 145 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 |
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