20853 Surface Creek Rd, Cedaredge, CO 81413 Property Records

Delta County property record for 20853 Surface Creek Rd, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,485 sqft · built 2001
Lot Size	1.69 acres (73,616 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2015)
Tax Bill	$2,884 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2023 Line of Credit + 2 more
Flood Zone	Zone D (undetermined)
APN	`R017989`

Property Details

APN / Parcel Number

Primary APN	`R017989`
Alternative APN	`319303204002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Building Area	3,485 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	73,616 sqft (1.69 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	R017989
Street Address	20853 SURFACE CREEK RD
City	CEDAREDGE
State	CO
Zip	81413-8119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20853 SURFACE CREEK RD CEDAREDGE 81413 S: 3 T: 13S R: 94W SUBDIVISION: CLEAR CREEK MINOR SUBDIVISION LOT: 2 TOTAL AC 1.69+- LOT 2-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 56
Legal Subdivision	CLEAR CREEK MINOR SUBDIVISION
Legal Lot Number	2
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	2
Census Block	2024
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	2 Individual Names on Record
Mailing Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF COLORADO
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2015 · Amount on Record
Deed Sale	Aug 17, 2015 · Amount on Record
Prior Sale	Aug 22, 2011 · Amount on Record
Deed Document Number	2015682177
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Investor	Possibly a Property Investor

Mortgage

Document Number	0000764304
Date	Nov 13, 2025
Instrument	764304

Lender

Name	BANK OF COLORADO
Type	Bank
Address	GREELEY, CO 80634

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119

Mortgage

Document Number	0000745996
Date	Apr 17, 2023
Instrument	745996

Lender

Name	BANK OF COLORADO
Type	Bank
Address	CEDAREDGE, CO 81413

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 5, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119

Mortgage

Document Number	0000745874
Date	Apr 12, 2023
Instrument	745874

Lender

Name	BANK OF COLORADO
Type	Bank
Address	CEDAREDGE, CO 81413

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 5, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20853 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Transaction Type	Mortgage
Record Updated	Jul 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	730538
Date	Jul 1, 2021
Instrument	730538

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

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	$2,884.00 (-20.49%)	$45,498 (-22.45%) Land $7,500 Building $37,998	$727,969 (-16.87%) Land $120,000 Building $607,969
2024	$3,627.00 (+4.43%)	$58,673 (-) Land $6,304 Building $52,369
2023	$3,473.00 (+71.68%)	$58,673 (+74.19%) Land $6,304 Building $52,369	$875,713 (+80.69%) Land $94,091 Building $781,622
2022	$2,023.00	$33,684 Land $3,823 Building $29,861	$484,652 Land $55,000 Building $429,652

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

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

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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