Delta County property record for 228 Main St, Paonia, CO 81428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,512 sqft · built 1898 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $252,249 (Apr 2021) |
| Tax Bill | $1,596 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R009013 |
| Primary APN | R009013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,512 sqft Living Area |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R009013 |
|---|---|
| Street Address | 228 MAIN ST |
| City | PAONIA |
| State | CO |
| Zip | 81428-5055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 228 MAIN AVE PAONIA 81428 S: 6 T: 14S R: 91W SUBDIVISION: ORIGINAL PAONIA BLOCK: 6 LOT: 13 AND:- LOT: 14 TOTAL 0.15 AC+- (50 X 135 SITE) LOT 13 & 14 BLK 6 ORIGINAL PAONIA. SEC 6 T14S R91W 6PM BK 271 PG 204 BK 273 PG 119 BK 294 PG 378 BK 306 PG 83 BK |
| Legal Subdivision | ORIGINAL PAONIA |
| Legal Block | 6 |
| Legal Lot Number | 13 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | PAONIA |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 964600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 228 MAIN ST, PAONIA, CO 81428-5055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Apr 27, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 31, 2019 | Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2021 · Amount on Record |
| Deed Sale | Apr 27, 2021 · Amount on Record |
| Prior Sale | Jan 31, 2019 · Amount on Record |
| Deed Document Number | 2021728560 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 228 MAIN ST, PAONIA, CO 81428-5055 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | LAND TITLE GUARANTEE |
| Name | Verified Name |
|---|
| Document Number | 0000715960 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 715960 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Apr 27, 2021 |
| Property Address | 228 MAIN ST, PAONIA, CO 81428-5055 |
| Document Number | 0000728560 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 728560 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.23 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000728561 |
|---|---|
| Date | Apr 27, 2021 |
| Instrument | 728561 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jan 31, 2019 |
| Property Address | 228 MAIN ST, PAONIA, CO 81428-5055 |
| Document Number | 0000708682 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 708682 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 294, BERTHOUD, CO 80513-0294 |
| Document Number | 0000708683 |
|---|---|
| Date | Jan 31, 2019 |
| Instrument | 708683 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
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 | $1,596.00 (+23.15%) | $21,338 (+20.68%) Land $6,625 Building $14,713 | $341,404 (+29.36%) Land $106,000 Building $235,404 |
| 2024 | $1,296.00 (+4.43%) | $17,682 (-) Land $3,327 Building $14,355 | |
| 2023 | $1,241.00 (+3.59%) | $17,682 (+6.68%) Land $3,327 Building $14,355 | $263,911 (+10.67%) Land $49,652 Building $214,259 |
| 2022 | $1,198.00 | $16,575 Land $2,433 Building $14,142 | $238,475 Land $35,000 Building $203,475 |
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.
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.
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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