245 Palmer St, Delta, CO 81416 Property Records

Delta County property record for 245 Palmer St, Delta, CO 81416 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,043 sqft · built 1898
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2021)
Tax Bill	$1,034 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R014368`

Property Details

APN / Parcel Number

Primary APN	`R014368`
Alternative APN	`345713422010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,043 sqft Living Area
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1980
Architectural Style	Victorian
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	R014368
Street Address	245 PALMER ST
City	DELTA
State	CO
Zip	81416-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	245 PALMER ST DELTA 81416 S: 13 T: 15S R: 96W SUBDIVISION: ORIGINAL DELTA BLOCK: 23 LOT: 11-12 TOTAL ACRES 0.12+/- DELTA ORIG SUBD BLK 23 LT 12 S2 LT 11 SEC 13 T15S R96 W 6PM BK 210 PG 387 BK 289 PG 209 BK 201 PG 80 BK 360 PG 587 BK 385 PG 201 BK 487
Legal Subdivision	ORIGINAL DELTA
Legal Block	23
Legal Lot Number	1
Jurisdiction	DELTA CO
Township / Civil Division	DELTA
Census Block Group	1
Census Block	1013
Census Tract	965100

Owner

Source: Delta County records · APN R014368

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	245 PALMER ST, DELTA, CO 81416-1733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 09, 2021	Personal Representative Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Oct 23, 2017	Warranty Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 09, 2021 · Amount on Record
Deed Sale	Apr 09, 2021 · Amount on Record
Prior Sale	Oct 23, 2017 · Amount on Record
Deed Document Number	2021727973
Record Updated	Sep 20, 2026

April 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	DELTA CO
Recording Date	Apr 09, 2021
Property Address	245 PALMER ST, DELTA, CO 81416-1733
Document Number	0000727973
Instrument Date	Apr 09, 2021
Instrument	727973
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$21.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 PALMER ST, DELTA, CO 81416-1733

Mortgage

Document Number	0000727974
Date	Apr 09, 2021
Instrument	727974

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Mortgage

Document Number	727975
Date	Apr 09, 2021
Instrument	727975

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Oct 23, 2017
Property Address	245 PALMER ST, DELTA, CO 81416-1733
Document Number	0000699043
Instrument Date	Oct 20, 2017
Instrument	699043
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$14.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 PALMER ST, DELTA, CO 81416-1733

Mortgage

Document Number	0000699044
Date	Oct 23, 2017
Instrument	699044

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: Delta County records · Assessment roll updated May 4, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$1,034.00 (+28.13%)	$15,200 (+24.51%) Land $3,125 Building $12,075	$243,204 (+33.48%) Land $50,000 Building $193,204
2024	$807.00 (+3.86%)	$12,208 (-) Land $1,930 Building $10,278
2023	$777.00 (-15.54%)	$12,208 (-14.36%) Land $1,930 Building $10,278	$182,205 (-11.17%) Land $28,805 Building $153,400
2022	$920.00	$14,255 Land $1,117 Building $13,138	$205,105 Land $16,071 Building $189,034

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Delta County (08029C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080299651001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 473 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Delta Montrose Electric Association	Fiber	6,000 / 6,000
Clearnetworx	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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