328 Elm St, Wray, CO 80758 Property Records

Yuma County property record for 328 Elm St, Wray, CO 80758

Property Summary

Property Type	Single Family Home
Details	2 ba · 777 sqft · built 1945
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Sep 2024)
Tax Bill	$824 (2026)
Deeds & Mortgages	Sep 2019 Sale & Line of Credit Mar 2018 Sale & Mortgage
APN	`W000783`

Property Details

APN / Parcel Number

Primary APN	`W000783`

Interior

Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	777 sqft Living Area
Basement Area	777 sqft
Finished Basement	777 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1992
Exterior Material	Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	328 ELM ST
City	WRAY
State	CO
Zip	80758-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W, CAMPBELL'S SECOND RESUB OF MCINTOSH & CLEVELAND BLK 43 LOT 4 SIZE: 50 X 130
Legal Subdivision	CAMPBELLS SECOND RESUB
Legal Block	43
Legal Lot Number	4
Jurisdiction	YUMA CO
Township / Civil Division	WRAY
Census Block Group	4
Census Block	4001
Census Tract	963100

Owner

328 Elm St is owned and occupied by two individuals who acquired it in March 2025.

Source: Yuma County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	328 ELM ST, WRAY, CO 80758-1827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Special Warranty Deed, Transfer · Line of Credit WRAY STATE BANK
Mar 7, 2018	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2024 · Amount on File
Deed Sale	Sep 27, 2024 · Amount on File
Prior Sale	Sep 4, 2019 · Amount on File
Deed Document Number	2024590397
Last Transfer Date	Mar 14, 2025
Transfer Doc	0000591459
Record Updated	Sep 20, 2026

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	YUMA CO
Recording Date	Sep 4, 2019
Property Address	328 ELM ST, WRAY, CO 80758-1827
Document Number	0000576635
Instrument Date	Sep 3, 2019
Instrument	00576635
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	328 ELM ST, WRAY, CO 80758-1827

Mortgage

Document Number	0000576636
Date	Sep 4, 2019
Instrument	00576636

Lender

Name	WRAY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	62 Months
Due	Nov 3, 2024

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YUMA CO
Recording Date	Mar 7, 2018
Property Address	328 ELM ST, WRAY, CO 80758-1827
Document Number	0000572234
Instrument Date	Mar 6, 2018
Instrument	00572234
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	NOT AVAILABLE, ASCENDANT TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 ELM ST, WRAY, CO 80758-1827

Mortgage

Document Number	0000572235
Date	Mar 7, 2018
Instrument	00572235

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 328 Elm St was $824, up 0.1% from the year before.

Source: Yuma County assessment roll, as of February 18, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Yuma County
Municipality	Wray City
Unified School District	Wray School District RD-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$824.00 (+0.12%)
2025	$823.00	$8,420
2024			$134,710 (+5.05%)
2023	$444.00 (-27.57%)	$10,207 (+40.09%) Land $939 Building $9,268	$128,230 (+40.08%) Land $11,800 Building $116,430
2022	$613.00	$7,286 Land $939 Building $6,347	$91,540 Land $11,800 Building $79,740

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 has no flood map on file for 328 Elm St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

Wildfire risk around 328 Elm St is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 66% of Colorado
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	CITY OF WRAY serves 2,342 people · EPA ID CO0163010
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 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	7 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Plains Communication Services Fiber	1,000 / 1,000
Vyve Broadband Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Viaero Wireless Fixed Wireless	150 / 40

May also be available: Vistabeam.

Cell Coverage

5G (outdoors only) and 4G LTE

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