Delta County property record for 20688 Surface Creek Rd, Cedaredge, CO 81413
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.75 ba · 2,224 sqft · built 2002 |
| Lot Size | 4.08 acres (177,725 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Mar 2019) |
| Tax Bill | $2,129 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2019 Sale |
| Flood Zone | Zone D (undetermined) |
| APN | R001686 |
| Primary APN | R001686 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.75 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 10 Rooms |
| Building Area | 2,224 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 177,725 sqft (4.08 acres) |
| Terrain | Gentle Slope |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R001686 |
|---|---|
| Street Address | 20688 SURFACE CREEK RD |
| City | CEDAREDGE |
| State | CO |
| Zip | 81413-8119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20688 SURFACE CREEK RD CEDAREDGE 81413 S: 3 T: 13S R: 94W SUBDIVISION: GUMMIN MINOR SUBDIVISION LOT: 1 TOTAL AC 4.08+- LOT 1 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 746 PG 456 BK 931 PG 362 R-619 |
| Legal Subdivision | GUMMIN MINOR SUBDIVISION |
| Legal Lot Number | 1 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | CEDAREDGE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 965202 |
20688 Surface Creek Rd is owned and occupied by two individuals who bought it in March 2019.
Source: Delta County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20688 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| 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 |
|---|---|
| Sep 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF COLORADO |
| Mar 18, 2019 | Warranty Deed, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2019 · Amount on File |
| Deed Sale | Mar 18, 2019 · Amount on File |
| Prior Sale | Mar 15, 2019 · Amount on File |
| Deed Document Number | 2019709514 |
| Prior Transfer Date | Sep 27, 2007 |
| Prior Transfer Doc | 0000619822 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Sep 21, 2026 |
| Property Address | 20688 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000770251 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 2026770251 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | LAND TITLE GUARANTEE |
| Name | Verified Name |
|---|---|
| Address | 20688 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000770251, |
|---|---|
| Date | Sep 21, 2026 |
| Instrument | 2026770251 |
| Name | BANK OF COLORADO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Mar 18, 2019 |
| Property Address | 20688 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000709514 |
| Instrument Date | Mar 18, 2019 |
| Instrument | 709514 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $43.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 20688 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
The 2025 property tax bill for 20688 Surface Creek Rd was $2,129, up 3.6% 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 | $2,129.00 (+3.55%) | $33,588 (+0.97%) Land $10,188 Building $23,400 | $537,401 Land $163,000 Building $374,401 |
| 2024 | $2,056.00 (+4.42%) | $33,264 (-) Land $6,333 Building $26,931 | |
| 2023 | $1,969.00 (+32.41%) | $33,264 (+34.4%) Land $6,333 Building $26,931 | $496,490 (+39.42%) Land $94,528 Building $401,962 |
| 2022 | $1,487.00 | $24,750 Land $4,240 Building $20,510 | $356,115 Land $61,000 Building $295,115 |
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 20688 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 risk around 20688 Surface Creek Rd is high, ranking above 71% of the US, with a 0.3% annual chance of 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.
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 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 |
4G LTE (outdoors only), no 5G reported
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