20984 Upland Rd, Cedaredge, CO 81413 Property Records

Delta County property record for 20984 Upland Rd, Cedaredge, CO 81413 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,672 sqft · built 1987
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Apr 2026)
Tax Bill	$1,309 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Sep 2021 Mortgage + 10 more
Flood Zone	Zone D (undetermined)
APN	`R004282`

Property Details

APN / Parcel Number

Primary APN	`R004282`
Alternative APN	`319502400019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,672 sqft Living Area
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Architectural Style	Mobile Home
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Coal
Sewer	Connected

Location & Zoning

Account Number	R004282
Street Address	20984 UPLAND RD
City	CEDAREDGE
State	CO
Zip	81413-8324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20984 UPLAND RD CEDAREDGE 81413 S: 2 T: 13S R: 95W SUBDIVISION: RURAL AREA TOTAL AC 3+- SEC 2 T13S R95W 6PM PARCELC PT S2SE4SE4 SEC 2 BEG SE COR SEC 2 TH S8835 W202.84, N644.43, N8838 E202.84, TH S644.24 TO POB LESS ALL MR BK 7 PG 46 BK 423 PG 266
Legal Subdivision	RURAL AREA
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	2
Census Block	2017
Census Tract	964700

Owner

Source: Delta County records · APN R004282

Assessment roll updated May 4, 2026 · Last verified July 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	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2018	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 22, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Dec 21, 2022	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
May 06, 2024	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC
Nov 13, 2006	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 05, 2012	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Dec 05, 2024	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC
Apr 27, 2026	Special Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING
May 26, 2017	Warranty Deed, Transfer · VA Mortgage BAY EQUITY LLC
Nov 02, 2016	Quit Claim Deed, Transfer Quitclaim
Sep 14, 2016	Quit Claim Deed, Transfer Quitclaim
Nov 07, 2005	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	2026767346
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000701467
Date	Feb 14, 2018
Instrument	701467

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324

Mortgage

Document Number	0000732863
Date	Sep 22, 2021
Instrument	732863

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324

Mortgage

Document Number	0000743935
Date	Dec 21, 2022
Instrument	743935

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324

Mortgage

Document Number	0000752847
Date	May 06, 2024
Instrument	752847

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85257

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Apr 01, 2051

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000609611
Date	Nov 13, 2006
Instrument	609611

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000662319
Date	Nov 05, 2012
Instrument	662319

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Oct 19, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324

Mortgage

Document Number	0000756993
Date	Dec 05, 2024
Instrument	756993

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85257

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2055

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Apr 27, 2026
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Document Number	0000767346
Instrument Date	Apr 24, 2026
Instrument	2026767346
Transaction Type	Transfer
Record Updated	Jul 06, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,888.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Investor	Possibly a Property Investor

Mortgage

Document Number	0000767346,
Date	Apr 27, 2026
Instrument	2026767346

Lender

Name	CORNERSTONE HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	May 26, 2017
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Document Number	0000695490
Instrument Date	May 26, 2017
Instrument	695490
Transaction Type	Transfer
Record Updated	Mar 09, 2026
Title Company	HERITAGE TITLE LT, HERITAGE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$18.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324

Mortgage

Document Number	0000695491
Date	May 26, 2017
Instrument	695491

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2047

November 2016: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELTA CO
Recording Date	Nov 02, 2016
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Document Number	0000691050
Instrument Date	Nov 02, 2016
Instrument	691050
Transaction Type	Transfer
Record Updated	Mar 09, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2016: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELTA CO
Recording Date	Sep 14, 2016
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Document Number	0000689976
Instrument Date	Sep 14, 2016
Instrument	689976
Transaction Type	Transfer
Record Updated	Mar 09, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 647, CEDAREDGE, CO 81413-0647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 647, CEDAREDGE, CO 81413-0647

November 2005: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELTA CO
Recording Date	Nov 07, 2005
Property Address	20984 UPLAND RD, CEDAREDGE, CO 81413-8324
Document Number	0000597435
Instrument Date	Nov 02, 2005
Instrument	597435
Transaction Type	Transfer
Record Updated	Mar 09, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 W MAIN ST, MONTROSE, CO 81401-3314

Tax Assessment & Valuation

Source: Delta County records · Assessment roll updated May 4, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$1,309.00 (+59.44%)	$20,656 (+55.48%) Land $9,000 Building $11,656	$330,498 (+66.68%) Land $144,000 Building $186,498
2024	$821.00 (+4.45%)	$13,285 (-) Land $3,409 Building $9,876
2023	$786.00 (-14.47%)	$13,285 (-13.19%) Land $3,409 Building $9,876	$198,288 (-9.95%) Land $50,886 Building $147,402
2022	$919.00	$15,304 Land $4,518 Building $10,786	$220,197 Land $65,000 Building $155,197

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Delta County (08029C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080299647002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone D
Special Flood Hazard Area	No
Flood Hazard	Undetermined not studied
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	High above 84% of the US · above 88% of Colorado
Wildfire Likelihood	About 1 in 219 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Delta Montrose Electric Association	Fiber	6,000 / 6,000
DMEA Utilities Services	Fiber	6,000 / 6,000
DMEA Utilities Services	DSL	100 / 100

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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