22495 Surface Creek Rd, Cedaredge, CO 81413 Property Records

Delta County property record for 22495 Surface Creek Rd, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,435 sqft · built 2018
Lot Size	6.09 acres (265,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jan 2023)
Tax Bill	$5,389 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan May 2018 Mortgage + 2 more
Flood Zone	Zone D (undetermined)
APN	`R021745`

Property Details

APN / Parcel Number

Primary APN	`R021745`
Alternative APN	`297926302001`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	5,435 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	265,280 sqft (6.09 acres)
Terrain	Gentle Slope

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	R021745
Street Address	22495 SURFACE CREEK RD
City	CEDAREDGE
State	CO
Zip	81413-8132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22495 SURFACE CREEK RD CEDAREDGE 81413 S: 26 T: 12S R: 94W SUBDIVISION: CHRISTENSON MINOR LOT: 1 TOTAL 6.09 AC+- LOT 1 CHRISTENSON MINOR SUB. PT TRACT 54 IN SEC 26 & SEC 27 T12S R94W 6PM (688.64X426.69X544.16X349.51) R-598471 PLAT R-610209 R-610210 R
Legal Subdivision	CHRISTENSON MINOR
Legal Tract	54
Legal Lot Number	1
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	2
Census Block	2015
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	1220 LA MESA LN, FRUITA, CO 81521-6700
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Construction Mortgage ALPINE BANK
May 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF COLORADO
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 5, 2023	Special Warranty Deed, Transfer · Line of Credit ALPINE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Deed Document Number	2023744155
Prior Transfer Date	Nov 27, 2006
Prior Transfer Doc	0000610210
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Recording Date	Sep 3, 2026
Property Address	22495 SURFACE CREEK RD, CEDAREDGE, CO 81413-8132
Document Number	0000769917
Instrument Date	Aug 28, 2026
Instrument	2026769917
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 LA MESA LN, FRUITA, CO 81521-6700

Mortgage

Document Number	0000769917,
Date	Sep 3, 2026
Instrument	2026769917

Lender

Name	ALPINE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 25, 2027

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	22495 SURFACE CREEK RD, CEDAREDGE, CO 81413-8132
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000703368
Date	May 14, 2018
Instrument	703368

Lender

Name	BANK OF COLORADO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	22495 SURFACE CREEK RD, CEDAREDGE, CO 81413-8132
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000718171
Date	Apr 14, 2020
Instrument	718171

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2050

January 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Jan 5, 2023
Property Address	22495 SURFACE CREEK RD, CEDAREDGE, CO 81413-8132
Document Number	0000744155
Map Reference	DOC 610209
Instrument Date	Dec 30, 2022
Instrument	744155
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2250 NW 114TH # AVE1A, AVE1A, MIAMI, FL 33192-4177

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1220 LA MESA LN, FRUITA, CO 81521-6700

Mortgage

Document Number	0000744156
Date	Jan 5, 2023
Instrument	744156

Lender

Name	ALPINE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,389.00 (-3.39%)	$85,023 (-5.77%) Land $11,706 Building $73,317	$1,360,371 (+1.02%) Land $187,297 Building $1,173,074
2024	$5,578.00 (+4.44%)	$90,226 (-) Land $9,656 Building $80,570
2023	$5,341.00 (+44.04%)	$90,226 (+46.19%) Land $9,656 Building $80,570	$1,346,646 (+51.65%) Land $144,114 Building $1,202,532
2022	$3,708.00	$61,718 Land $5,908 Building $55,810	$888,023 Land $85,000 Building $803,023

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 88% of the US · above 92% of Colorado
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 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

5G and 4G LTE (outdoors only)

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