20644 del Ray Dr, Eckert, CO 81418 Property Records

Delta County property record for 20644 del Ray Dr, Eckert, CO 81418

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.75 ba · 1,762 sqft · built 1984
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Dec 2011)
Tax Bill	$1,036 (2025)
Deeds & Mortgages	Jul 2026 Sale Nov 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R004903`

Property Details

APN / Parcel Number

Primary APN	`R004903`
Alternative APN	`323711405016`

Interior

Bedrooms	1 Bed
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,762 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	30,928 sqft (0.71 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	R004903
Street Address	20644 DEL RAY DR
City	ECKERT
State	CO
Zip	81418-9808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20644 DEL RAY DR ECKERT - ORCHARD CITY 81418 S: 11 T: 14S R: 95W SUBDIVISION: DEL RAY SUBDIVSION LOT: 43 TOTAL AC 0.71+- ( N290.4, S 226.2 E184.9 ) LOT 43 DEL RAY SUB PT SEC 11 T14S R95W 6PM BK 524 PG 447 R-655281-WJ
Legal Subdivision	DEL RAY SUBDIVSION
Legal Lot Number	43
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	1
Census Block	1037
Census Tract	964700

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	2 Individual Names on Record
Mailing Address	20644 DEL RAY DR, ECKERT, CO 81418-9808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Affidavit, Transfer
Nov 18, 2020	Deed of Trust, Mortgage · Reverse Mortgage NATIONWIDE EQUITIES CORP
Mar 1, 2018	Deed of Trust, Mortgage · Reverse Mortgage FIRST POINT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2011 · Amount on Record
Deed Sale	Dec 16, 2011 · Amount on Record
Prior Sale	Mar 21, 1984 · Amount on Record
Deed Document Number	2011655281
Record Updated	Sep 20, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	DELTA CO
Recording Date	Jul 20, 2026
Property Address	20644 DEL RAY DR, ECKERT, CO 81418-9808
Document Number	0000768987
Instrument Date	Jul 20, 2026
Instrument	2026768987
Transaction Type	Transfer
Record Updated	Aug 7, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20644 DEL RAY DR, ECKERT, CO 81418-9808
Transaction Type	Mortgage
Record Updated	Nov 30, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	723898
Date	Nov 18, 2020
Instrument	723898

Lender

Name	NATIONWIDE EQUITIES CORP
Type	Non-Lending Institution
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	799 Months
Due	Jun 4, 2087

Interest

Rate Type	Adjustable Rate
Rate	3.08%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20644 DEL RAY DR, ECKERT, CO 81418-9808
Transaction Type	Mortgage
Record Updated	Mar 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	701776
Date	Mar 1, 2018
Instrument	701776

Lender

Name	FIRST POINT FCU
Type	Credit Union
Address	CHICAGO, IL 60607

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	831 Months
Due	Jun 4, 2087

Interest

Rate Type	Adjustable Rate
Rate	5.14%
Type Change Date	Mar 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,036.00 (+5.5%)	$22,672 (-0.02%) Land $4,063 Building $18,609	$362,750 (+7.18%) Land $65,000 Building $297,750
2024	$982.00 (+4.47%)	$22,676 (-) Land $3,458 Building $19,218
2023	$940.00 (+32.96%)	$22,676 (+20.67%) Land $3,458 Building $19,218	$338,454 (+25.18%) Land $51,614 Building $286,840
2022	$707.00	$18,791 Land $2,016 Building $16,775	$270,370 Land $29,000 Building $241,370

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

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · other causes

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	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 ORCHARD CITY serves 3,100 people · EPA ID CO0115588
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2024
Lead	7 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	6 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Elevate Internet Fiber	6,000 / 6,000

Cell Coverage

5G (outdoors only) and 4G LTE

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