Delta County property record for 18505 Surface Creek Rd, Cedaredge, CO 81413
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,076 sqft · built 1992 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (May 2025) |
| Tax Bill | $680 (2025) |
| Deeds & Mortgages | Mar 2024 Reverse Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone D (undetermined) |
| APN | R002070 |
| Primary APN | R002070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,076 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Mobile Home |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 43,560 sqft (1 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Coal |
| Account Number | R002070 |
|---|---|
| Street Address | 18505 SURFACE CREEK RD |
| City | CEDAREDGE |
| State | CO |
| Zip | 81413-8127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18505 SURFACE CREEK RD CEDAREDGE 81413 S: 16 T: 13S R: 94W SUBDIVISION: RURAL AREA TOTAL AC 1+- SEC 16 T13S R94W 6PM PT SW4NW4 SEC 16 BEG E/L WH SE COR BRS S8THS89* 45 E260 S166.75 TO POB BK 454 PG 1536 (R-361969) BK 469 PG 144 R-378415) BK 480 PG 58 |
| Legal Subdivision | RURAL AREA |
| Jurisdiction | DELTA CO |
| Township / Civil Division | CEDAREDGE |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 965202 |
18505 Surface Creek Rd is owned and occupied by two individuals who bought it in May 2025.
Source: Delta County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18505 SURFACE CREEK RD, CEDAREDGE, CO 81413-8127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Mar 15, 2024 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Aug 7, 2019 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2025 · Amount on File |
| Deed Sale | May 8, 2025 · Amount on File |
| Prior Sale | Dec 22, 2011 · Amount on File |
| Deed Document Number | 2025760329 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 18505 SURFACE CREEK RD, CEDAREDGE, CO 81413-8127 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 18505 SURFACE CREEK RD, CEDAREDGE, CO 81413-8127 |
| Document Number | 0000751875 |
|---|---|
| Date | Mar 15, 2024 |
| Instrument | 751875 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 878 Months |
| Due | May 15, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 18505 SURFACE CREEK RD, CEDAREDGE, CO 81413-8127 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0000712816 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | 712816 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 177 Months |
| Due | May 30, 2034 |
The 2025 property tax bill for 18505 Surface Creek Rd was $680, up 31.3% from the year before.
Source: Delta County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Delta County |
| Unified School District | Delta County School District 50J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $680.00 (+31.27%) | $16,986 (+12.54%) Land $6,563 Building $10,423 | $271,775 Land $105,000 Building $166,775 |
| 2024 | $518.00 (+4.44%) | $15,093 (-) Land $6,462 Building $8,631 | |
| 2023 | $496.00 (+30.87%) | $15,093 (+19.61%) Land $6,462 Building $8,631 | $225,278 (+24.09%) Land $96,452 Building $128,826 |
| 2022 | $379.00 | $12,618 Land $5,213 Building $7,405 | $181,548 Land $75,000 Building $106,548 |
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 18505 Surface Creek Rd in Zone D, where flood risk has not been studied.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 18505 Surface Creek Rd is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · above 47% of Colorado |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
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 |
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