Delta County property record for 416 Howard St, Delta, CO 81416
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,792 sqft · built 1951 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Dec 2025) |
| Tax Bill | $1,023 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R014510 |
| Primary APN | R014510 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,792 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R014510 |
|---|---|
| Street Address | 416 HOWARD ST |
| City | DELTA |
| State | CO |
| Zip | 81416-3625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 416 HOWARD ST DELTA 81416 S: 13 T: 15S R: 96W SUBDIVISION: GARNET MESA SUBDIVISION BLOCK: 11 LOT: 26 AND:- LOT: 27 TOTAL AC 0.172+- GARNET MESA SUBD BLK 11 LTS 26 & 27 SEC 13 T15S R96W 6PM BK 440 PG 1431 BK 484 PG 476 BK 565 PG 298 BK 584 PG 156 BK 5 |
| Legal Subdivision | GARNET MESA SUBDIVISION |
| Legal Block | 11 |
| Legal Lot Number | 26 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | DELTA |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 965100 |
416 Howard St is owned and occupied by two individuals who bought it in December 2025.
Source: Delta County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 416 HOWARD ST, DELTA, CO 81416-3625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2025 · Amount on File |
| Deed Sale | Dec 30, 2025 · Amount on File |
| Prior Sale | Apr 22, 2004 · Amount on File |
| Deed Document Number | 2025765219 |
| Prior Transfer Date | Nov 6, 2024 |
| Prior Transfer Doc | 0000757213 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Dec 30, 2025 |
| Property Address | 416 HOWARD ST, DELTA, CO 81416-3625 |
| Document Number | 0000765219 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 765219 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 270 SW 8TH ST, CEDAREDGE, CO 81413-6203 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 416 HOWARD ST, DELTA, CO 81416-3625 |
| Document Number | 0000765220 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 765220 |
| Name | EVERGREEN MONEYSOURCE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
The 2025 property tax bill for 416 Howard St was $1,023, up 6.8% from the year before.
Source: Delta County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Delta County |
| Municipality | Delta City |
| Unified School District | Delta County School District 50J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,023.00 (+6.78%) | $15,038 (+3.84%) Land $3,125 Building $11,913 | $240,611 Land $50,000 Building $190,611 |
| 2024 | $958.00 (+3.9%) | $14,482 (-) Land $2,670 Building $11,812 | |
| 2023 | $922.00 (+15.39%) | $14,482 (+16.92%) Land $2,670 Building $11,812 | $216,155 (+21.29%) Land $39,858 Building $176,297 |
| 2022 | $799.00 | $12,386 Land $3,128 Building $9,258 | $178,212 Land $45,000 Building $133,212 |
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.
FEMA maps place 416 Howard St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1984–1992) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 1992 · rainfall accumulation |
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.
Wildfire risk around 416 Howard 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 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | CITY OF DELTA serves 8,700 people · EPA ID CO0115205 |
|---|---|
| Water Source | Purchased surface water from PROJECT 7 WA |
| Last State Inspection | Feb 2024 |
| Also Mapped Here | TRI COUNTY WCD |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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 393 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Elevate Internet Fiber | 6,000 / 6,000 |
| Clearnetworx Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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