Delta County property record for 225 Howard St, Delta, CO 81416 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,977 sqft Living Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $301,000 (2022) |
| Tax Bill | $1,379.00 (2025) |
Source: Delta County records · APN R014315
Assessment roll updated May 4, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 05, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NATIONS MORTGAGE LLC |
| Dec 23, 2022 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage AMCAP MORTGAGE LTD |
| Mar 11, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Jun 26, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Jun 19, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 23, 2022 · Amount on Record |
| Deed Sale | Dec 23, 2022 · Amount on Record |
| Prior Sale | Jun 26, 2019 · Amount on Record |
| Deed Doc Number | 2022743989 |
| Prior Transfer Date | Feb 28, 2022 |
| Prior Transfer Doc | 0000737486 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000764742 |
|---|---|
| Date | Dec 05, 2025 |
| Instrument | 764742 |
| Name | NATIONS MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Apr 02, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Max Rate | 5% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Dec 23, 2022 |
| Property Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000743989 |
| Instrument Date | Dec 22, 2022 |
| Instrument | 743989 |
| Transaction Type | Transfer |
| Record Updated | Jan 06, 2023 |
| Title Company | HERITAGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000743990 |
|---|---|
| Date | Dec 23, 2022 |
| Instrument | 743990 |
| Name | AMCAP MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Number | 0000743991 |
|---|---|
| Date | Dec 23, 2022 |
| Instrument | 743991 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Mar 11, 2022 |
| Property Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000737486 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 737486 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2022 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000737487 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 737487 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jun 26, 2019 |
| Property Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000711863 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 711863 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | HERITAGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19.14 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000711864 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 711864 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jun 19, 2019 |
| Property Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
| Document Number | 0000711705 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 711705 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 225 HOWARD ST, DELTA, CO 81416-3620 |
Source: Delta County records · Assessment roll updated May 4, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Delta County |
| Municipality | Delta City |
| Unified School District | Delta County School District 50J (PK - 12) |
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 | $1,379.00 (+17.66%) | $20,277 (+14.44%) Land $3,125 Building $17,152 | $324,433 (+22.68%) Land $50,000 Building $274,433 |
| 2024 | $1,172.00 (+3.9%) | $17,719 (-) Land $2,773 Building $14,946 | |
| 2023 | $1,128.00 (-5.45%) | $17,719 (-4.2%) Land $2,773 Building $14,946 | $264,463 (-0.62%) Land $41,392 Building $223,071 |
| 2022 | $1,193.00 | $18,495 Land $3,128 Building $15,367 | $266,111 Land $45,000 Building $221,111 |
Source: FEMA National Flood Hazard Layer, Delta County (08029C), updated November 27, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | R014315 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Building Area | 1,977 sqft Living Area |
| Primary Flooring | Laminate Plank Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch Style |
| Exterior Material | Marblecrete Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 10,890 sqft (0.25 acres) |
| Cooling System | None Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Coal Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | R014315 |
|---|---|
| Street Address | 225 HOWARD ST |
| City | DELTA |
| State | CO |
| Zip | 81416-3620 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 225 HOWARD ST DELTA 81416 S: 13 T: 15S R: 96W SUBDIVISION: GARNET MESA SUBDIVISION BLOCK: 18 LOT: 8 AND:- LOT: 9 AND:- LOT: N2-10 AND:- LOT: S2-7 TOTAL ACRES 0.25 +/- S2 LOT 7, LOT 8, LOT 9 & N2 LOT 10 BLK 18 GARNET MESA SUBD/DELTA BK 381 PG 450 BK 4 |
| Legal Subdivision | GARNET MESA SUBDIVISION |
| Legal Block | 18 |
| Legal Lot Number | 9 |
| Jurisdiction | DELTA CO |
| Minor Civil Division | DELTA |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 965100 |
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