245 NW 5th St, Cedaredge, CO 81413 Property Records

Delta County property record for 245 NW 5th St, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 826 sqft · built 1947
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Jan 2012)
Tax Bill	$765 (2025)
Deeds & Mortgages	Dec 2025 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R002742`

Property Details

APN / Parcel Number

Primary APN	`R002742`
Alternative APN	`319320323010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	826 sqft Living Area
Flooring	Carpet
Interior Walls	Unfinished

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Coal

Location & Zoning

Account Number	R002742
Street Address	245 NW 5TH ST
City	CEDAREDGE
State	CO
Zip	81413-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	245 NW 5TH ST CEDAREDGE 81413 S: 20 T: 13S R: 94W SUBDIVISION: PORTER SUBDIVISION BLOCK: 3 LOT: 25 AND:- LOT: 26 TOTAL AC 0.10+- LOT 25 & 26 BLK 3 PORTER SUB. SEC 20 T13S R94W 6PM BK 284 PGS 392 & 393 BK 290 PG 300 BK 360 PG 541 BK 346 PG 506 BK 347
Legal Subdivision	PORTER SUBDIVISION
Legal Block	3
Legal Lot Number	25
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	1
Census Block	1027
Census Tract	965201

Owner

245 NW 5th St is owned and occupied by an individual who bought it in January 2012.

Source: Delta County records, as of May 4, 2026

Owner of Record	Individual Name on File
Mailing Address	245 NW 5TH ST, CEDAREDGE, CO 81413-3604
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2012 · Amount on File
Deed Sale	Jan 31, 2012 · Amount on File
Prior Sale	Oct 13, 2011 · Amount on File
Deed Document Number	2012656194
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	245 NW 5TH ST, CEDAREDGE, CO 81413-3604
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000765215
Date	Dec 30, 2025
Instrument	765215

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1036 Months
Due	Apr 29, 2112

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 245 NW 5th St was $765, up 64.9% from the year before.

Source: Delta County assessment roll, as of May 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$765.00 (+64.87%)	$11,079 (+62.64%) Land $2,813 Building $8,266	$177,255 Land $45,000 Building $132,255
2024	$464.00 (+4.27%)	$6,812 (-) Land $2,174 Building $4,638
2023	$445.00 (-2.84%)	$6,812 (-0.57%) Land $2,174 Building $4,638	$101,677 (+3.16%) Land $32,448 Building $69,229
2022	$458.00	$6,851 Land $2,016 Building $4,835	$98,565 Land $29,000 Building $69,565

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

FEMA maps place 245 NW 5th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 245 NW 5th 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 67% of the US · lower than 84% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CEDAREDGE serves 2,400 people · EPA ID CO0115171
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 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
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20