20602 Surface Creek Rd, Cedaredge, CO 81413 Property Records

Delta County property record for 20602 Surface Creek Rd, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,205 sqft · built 1991
Lot Size	14.6 acres (638,590 sqft)
Owner	Individual Name on Record
Last Sale	$642,500 (Apr 2022)
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`R001687`

Property Details

APN / Parcel Number

Primary APN	`R001687`
Alternative APN	`319303203002`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,205 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	638,590 sqft (14.6 acres)
Terrain	Gentle Slope
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Convection
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	R001687
Street Address	20602 SURFACE CREEK RD
City	CEDAREDGE
State	CO
Zip	81413-8119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20602 SURFACE CREEK RD CEDAREDGE 81413 S: 3 T: 13S R: 94W SUBDIVISION: GUMMIN MINOR SUBDIVISION LOT: 2 TOTAL 14.66 AC+- LOT 2 GUMMIN MINOR SUBD PT OF NW4 SEC 3 T13S R94W 6PM BK 600 PG 291 PLAT BK 16 PG 6 BK 744 PG 966 BK 749 PG 217 R-622667 R-691694-
Legal Subdivision	GUMMIN MINOR SUBDIVISION
Legal Lot Number	2
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	1
Census Block	1006
Census Tract	965202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20602 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on Record
Deed Sale	Apr 28, 2022 · Amount on Record
Prior Sale	Dec 5, 2016 · Amount on Record
Deed Document Number	2022738880
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Apr 28, 2022
Property Address	20602 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Document Number	0000738880
Instrument Date	Apr 26, 2022
Instrument	738880
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20602 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119

Mortgage

Document Number	0000738881
Date	Apr 28, 2022
Instrument	738881

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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	$2,451.00 (+4.79%)	$38,663 (+2.21%) Land $14,844 Building $23,819	$618,602 (+9.57%) Land $237,500 Building $381,102
2024	$2,339.00 (+4.47%)	$37,828 (-) Land $9,158 Building $28,670
2023	$2,239.00 (+95.03%)	$37,828 (+97.89%) Land $9,158 Building $28,670	$564,597 (+105.28%) Land $136,685 Building $427,912
2022	$1,148.00	$19,116 Land $5,908 Building $13,208	$275,039 Land $85,000 Building $190,039

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

Wildfire Risk	High above 71% of the US · above 66% of Colorado
Wildfire Likelihood	0.3% 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 9 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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