20921 Surface Creek Rd, Cedaredge, CO 81413 Property Records

Delta County property record for 20921 Surface Creek Rd, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,873 sqft · built 1996
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on File
Last Sale	$219,024 (Dec 2017)
Tax Bill	$1,733 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`R001682`

Property Details

APN / Parcel Number

Primary APN	`R001682`
Alternative APN	`319303201001`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,873 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Logs
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	74,923 sqft (1.72 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Convection
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	R001682
Street Address	20921 SURFACE CREEK RD
City	CEDAREDGE
State	CO
Zip	81413-8119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20921 SURFACE CREEK RD CEDAREDGE 81413 S: 3 T: 13S R: 94W SUBDIVISION: WILLOW CREEK RANCHOS LOT: 3 TOTAL AC 1.72+- LOT 3 WILLOW CREEK RANCHOS IN NW4 SEC 3 T13S R94W 6PM BK 672 PG 75 PLAT BK 14 PG 75 BK 738 PG 811 BK 753 PG 917 R-577392 R674536 R-6999
Legal Subdivision	WILLOW CREEK RANCHOS
Legal Lot Number	3
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	2
Census Block	2024
Census Tract	965202

Owner

20921 Surface Creek Rd is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	20921 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2017 · Amount on File
Deed Sale	Dec 4, 2017 · Amount on File
Prior Sale	Jul 3, 2014 · Amount on File
Deed Document Number	2017699913
Record Updated	Jun 8, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Dec 4, 2017
Property Address	20921 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119
Document Number	0000699913
Instrument Date	Dec 1, 2017
Instrument	699913
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21.91
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20921 SURFACE CREEK RD, CEDAREDGE, CO 81413-8119

Mortgage

Document Number	0000699914
Date	Dec 4, 2017
Instrument	699914

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20921 Surface Creek Rd was $1,733, up 24.3% from the year before.

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	$1,733.00 (+24.32%)	$27,350 (+21.25%) Land $10,417 Building $16,933	$437,588 Land $166,667 Building $270,921
2024	$1,394.00 (+4.42%)	$22,556 (-) Land $6,911 Building $15,645
2023	$1,335.00 (+26.9%)	$22,556 (+28.74%) Land $6,911 Building $15,645	$336,654 (+33.55%) Land $103,148 Building $233,506
2022	$1,052.00	$17,521 Land $5,213 Building $12,308	$252,088 Land $75,000 Building $177,088

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

FEMA maps place 20921 Surface Creek Rd in Zone D, where flood risk has not been studied.

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

Wildfire risk around 20921 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.

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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