Delta County property record for 224 Main St, Paonia, CO 81428
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,300 sqft · built 1989 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Nov 2021) |
| Tax Bill | $1,334 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jan 2016 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R009012 |
| Primary APN | R009012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,300 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Mobile Home |
| Exterior Material | Marblecrete |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,098 sqft (0.14 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R009012 |
|---|---|
| Street Address | 224 MAIN ST |
| City | PAONIA |
| State | CO |
| Zip | 81428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 224 MAIN AVE PAONIA 81428 S: 6 T: 14S R: 91W SUBDIVISION: ORIGINAL PAONIA BLOCK: 6 LOT: 11 AND:- LOT: 12 TOTAL 0.14 AC+- LOT 11 & 12 BLK 6 ORIGNINAL PAONIA. SEC 6 T14S R91W 6PM BK 446 PG 1801(R-351911) BK 501 PG 1005 BK 501 PG 1006 BK 501 PG 1006 BK |
| Legal Subdivision | ORIGINAL PAONIA |
| Legal Block | 6 |
| Legal Lot Number | 11 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | PAONIA |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 964600 |
224 Main St is owned by an individual who bought it in November 2021.
Source: Delta County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 253, PAONIA, CO 81428-0253 |
| 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 |
|---|---|
| Nov 22, 2021 | Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HOME LENDING INC |
| Jan 4, 2016 | Warranty Deed, Transfer · Seller Carry-Back RAY D COX ETAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2021 · Amount on File |
| Deed Sale | Nov 22, 2021 · Amount on File |
| Prior Sale | Jan 4, 2016 · Amount on File |
| Deed Document Number | 2021734670 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Nov 22, 2021 |
| Property Address | 224 MAIN ST, PAONIA, CO 81428 |
| Document Number | 0000734670 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 734670 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | LAND TITLE GUARANTEE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1852, PAONIA, CO 81428-1852 |
| Name | Verified Name |
|---|---|
| Address | 224 MAIN ST, PAONIA, CO 81428 |
| Document Number | 0000734671 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 734671 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Number | 0000734672 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 734672 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jan 4, 2016 |
| Property Address | 224 MAIN ST, PAONIA, CO 81428 |
| Document Number | 0000684915 |
| Instrument Date | Dec 31, 2015 |
| Instrument | 684915 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | HERITAGE TITLE LT, HERITAGE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1404 SHOP HOLLOW RD, GALENA, MO 65656-8225 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 363 CANYON CIR, PAGOSA SPRINGS, CO 81147-9961 |
| Document Number | 0000684916 |
|---|---|
| Date | Jan 4, 2016 |
| Instrument | 684916 |
| Name | RAY D COX ETAL |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Feb 1, 2021 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 224 Main St was $1,334, up 57.7% from the year before.
Source: Delta County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Delta County |
| Municipality | Paonia Town |
| Unified School District | Delta County School District 50J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,334.00 (+57.68%) | $17,844 (+54.63%) Land $6,625 Building $11,219 | $285,503 Land $106,000 Building $179,503 |
| 2024 | $846.00 (+4.44%) | $11,540 (-) Land $3,047 Building $8,493 | |
| 2023 | $810.00 (-13.83%) | $11,540 (-11.3%) Land $3,047 Building $8,493 | $172,240 (-7.98%) Land $45,478 Building $126,762 |
| 2022 | $940.00 | $13,010 Land $2,433 Building $10,577 | $187,185 Land $35,000 Building $152,185 |
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 224 Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1980–1992) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 1992 · river or lake flooding |
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 224 Main St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | WEST PAONIA DOMESTIC WATER COMPANY serves 57 people · EPA ID CO0115838 |
|---|---|
| Water Source | Purchased surface water from TOWN OF PAONIA |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Jun 2019 |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Delta County Tele-Comm Fiber · DSL | 6,000 / 6,000 |
| Elevate Internet Fiber | 6,000 / 6,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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