18208 Surface Creek Rd, Cedaredge, CO 81413 Property Records

Delta County property record for 18208 Surface Creek Rd, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,272 sqft · built 2007
Lot Size	1.93 acres (84,071 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Nov 2009)
Tax Bill	$2,457 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone D (undetermined)
APN	`R021999`

Property Details

APN / Parcel Number

Primary APN	`R021999`
Alternative APN	`319316314003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,272 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	84,071 sqft (1.93 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R021999
Street Address	18208 SURFACE CREEK RD
City	CEDAREDGE
State	CO
Zip	81413-8170
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18208 SURFACE CREEK RD CEDAREDGE 81413 S: 16 T: 13S R: 94W SUBDIVISION: NICHOLS MAJOR SUB RSUB LT 2 LOT: 2 TOTAL 1.93 AC+- (N368.73, S369.71, E223.84, W223.84) LOT 2 NICHOLS MAJOR SUB RESUB LOT 2. PT SEC 16 T13S R94W 6PM. BK 921 PGS 275 THRU 278 PLAT
Legal Subdivision	NICHOLS MAJOR SUB RSUB LT 2
Legal Lot Number	2
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	1
Census Block	1008
Census Tract	965202

Owner

18208 Surface Creek Rd is owned and occupied by an individual who bought it in November 2009.

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

Owner of Record	Individual Name on File
Mailing Address	18208 SURFACE CREEK RD, CEDAREDGE, CO 81413-8170
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2009 · Amount on File
Deed Sale	Nov 20, 2009 · Amount on File
Prior Sale	Apr 20, 2007 · Amount on File
Deed Document Number	2009639234
Prior Transfer Date	Mar 13, 2007
Prior Transfer Doc	0000613220
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	18208 SURFACE CREEK RD, CEDAREDGE, CO 81413-8170
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18208 SURFACE CREEK RD, CEDAREDGE, CO 81413-8170

Mortgage

Document Number	0000736250
Date	Jan 24, 2022
Instrument	736250

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 18208 Surface Creek Rd was $2,457, up 6.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,457.00 (+6.27%)	$38,767 (+3.64%) Land $7,500 Building $31,267	$620,270 Land $120,000 Building $500,270
2024	$2,312.00 (+4.43%)	$37,407 (-) Land $7,319 Building $30,088
2023	$2,214.00 (+22.46%)	$37,407 (+24.3%) Land $7,319 Building $30,088	$558,313 (+28.94%) Land $109,239 Building $449,074
2022	$1,808.00	$30,094 Land $5,213 Building $24,881	$432,993 Land $75,000 Building $357,993

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 18208 Surface Creek Rd in Zone D, where flood risk has not been studied.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 18208 Surface Creek Rd is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 50% of Colorado
Wildfire Likelihood	0.1% 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	UPPER SURFACE CREEK DOMESTIC WUA private · serves 2,800 people · EPA ID CO0115784
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	3 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2023) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2023
Treatment and Procedure	Corrosion control May 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20