Delta County property record for 20751 Surface Creek Rd, Cedaredge, CO 81413
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,592 sqft · built 2002 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Sep 2024) |
| Tax Bill | $1,468 (2025) |
| Deeds & Mortgages | Sep 2024 Mortgage Mar 2016 Mortgage + 4 more |
| Flood Zone | Zone D (undetermined) |
| APN | R017990 |
| Primary APN | R017990 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,592 sqft Living Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Modular |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R017990 |
|---|---|
| Street Address | 20751 SURFACE CREEK RD |
| City | CEDAREDGE |
| State | CO |
| Zip | 81413-8119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20751 SURFACE CREEK RD CEDAREDGE 81413 S: 3 T: 13S R: 94W SUBDIVISION: CLEAR CREEK MINOR SUBDIVISION LOT: 3, TOTAL AC 2.50+- LOT 3-CLEAR CREEK MINOR SUBD/CED PT NW4 SEC 3 T13S R94W 6PM BK 729 PG 916 BK 822 PG 174 PLAT BK 22 PG 82 BK 841 PGS 54 THRU 5 |
| Legal Subdivision | CLEAR CREEK MINOR SUBDIVISION |
| Legal Lot Number | 3 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | CEDAREDGE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 965202 |
Source: Delta County records · APN R017990
Assessment roll updated May 4, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 736 NANCY LYNN TER, NORMAN, OK 73069-4222 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2024 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 28, 2016 | Deed of Trust, Mortgage · Commercial Mortgage ALPINE BANK |
| Sep 30, 2024 | Special Warranty Deed, Transfer |
| Jul 29, 2021 | Special Warranty Deed, Transfer · VA Mortgage CORNERSTONE HOME LENDING INC |
| Jul 29, 2021 | Quit Claim Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO |
| Aug 01, 2005 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FAHTCO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2024 · Amount on Record |
| Deed Sale | Sep 30, 2024 · Amount on Record |
| Prior Sale | Jul 29, 2021 · Amount on Record |
| Deed Document Number | 2024755769 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 736 NANCY LYNN TER, NORMAN, OK 73069-4222 |
| Document Number | 0000755770 |
|---|---|
| Date | Sep 30, 2024 |
| Instrument | 755770 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000686499 |
|---|---|
| Date | Mar 28, 2016 |
| Instrument | 686499 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Address | RIFLE, CO 81650 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 25, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Sep 30, 2024 |
| Property Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000755769 |
| Map Reference | DOC 528844 |
| Instrument Date | Sep 23, 2024 |
| Instrument | 755769 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $46.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 736 NANCY LYNN TER, NORMAN, OK 73069-4222 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jul 29, 2021 |
| Property Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000731329 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 731329 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2026 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000731331 |
|---|---|
| Date | Jul 29, 2021 |
| Instrument | 731331 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jul 29, 2021 |
| Property Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000731330 |
| Instrument Date | Jul 08, 2021 |
| Instrument | 731330 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2026 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Aug 01, 2005 |
| Property Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
| Document Number | 0000594105 |
| Instrument Date | Aug 01, 2005 |
| Instrument | 594105 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2026 |
| Title Company | FIRST AMERICAN TITLE, FAHTCO |
| Amount | Amount Recorded |
|---|---|
| Tax | $28.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20751 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119 |
Source: Delta County records · Assessment roll updated May 4, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Delta County |
| Unified School District | Delta County School District 50J (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,468.00 (-12.62%) | $29,408 (+8.19%) Land $9,000 Building $20,408 | $470,527 (+15.98%) Land $144,000 Building $326,527 |
| 2024 | $1,680.00 (+4.41%) | $27,181 (-) Land $3,835 Building $23,346 | |
| 2023 | $1,609.00 (+37.29%) | $27,181 (+39.33%) Land $3,835 Building $23,346 | $405,684 (+44.53%) Land $57,240 Building $348,444 |
| 2022 | $1,172.00 | $19,508 Land $4,518 Building $14,990 | $280,683 Land $65,000 Building $215,683 |
Source: FEMA National Flood Hazard Layer as of November 27, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | High above 71% of the US · above 66% of Colorado |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Delta Montrose Electric Association Fiber | 6,000 / 6,000 |
| DMEA Utilities Services Fiber · DSL | 6,000 / 6,000 |
Based on FCC filings for 9 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | UPPER SURFACE CREEK DOMESTIC WUA private · serves 2,800 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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