425 Franklin St, Wray, CO 80758 Property Records

Yuma County property record for 425 Franklin St, Wray, CO 80758

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,440 sqft · built 1909
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Nov 2023)
Tax Bill	$1,339 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2023 Sale & Mortgage + 2 more
APN	`W000395`

Property Details

APN / Parcel Number

Primary APN	`W000395`

Interior

Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	1,440 sqft Living Area
Basement Area	896 sqft
Finished Basement	896 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1991
Exterior Material	Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	425 FRANKLIN ST
City	WRAY
State	CO
Zip	80758-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WRAY, KIRK'S 1ST BLK 3 LOT 4 SIZE: 50 X 140
Legal Subdivision	KIRKS 1ST
Legal Block	3
Legal Lot Number	4
Jurisdiction	YUMA CO
Township / Civil Division	WRAY
Census Block Group	3
Census Block	3096
Census Tract	963100

Owner

425 Franklin St is owned and occupied by an individual who bought it in November 2023.

Source: Yuma County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	425 FRANKLIN ST, WRAY, CO 80758-1524
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

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 2, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 20, 2021	Special Warranty Deed, Transfer · Line of Credit WRAY STATE BANK
Aug 3, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2023 · Amount on File
Deed Sale	Nov 2, 2023 · Amount on File
Prior Sale	Sep 20, 2021 · Amount on File
Deed Document Number	2023588349
Prior Transfer Date	Aug 3, 2021
Prior Transfer Doc	582105
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA CO
Property Address	425 FRANKLIN ST, WRAY, CO 80758-1524
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 FRANKLIN ST, WRAY, CO 80758-1524

Mortgage

Document Number	0000593003
Date	Nov 3, 2025
Instrument	593003

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE, CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YUMA CO
Recording Date	Nov 2, 2023
Property Address	425 FRANKLIN ST, WRAY, CO 80758-1524
Document Number	0000588349
Instrument Date	Oct 31, 2023
Instrument	588349
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	TRIAD NATIONAL TITLE LLC, TIAGO NATIONAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 FRANKLIN ST, WRAY, CO 80758-1524

Mortgage

Document Number	0000588350
Date	Nov 2, 2023
Instrument	588350

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	YUMA CO
Recording Date	Sep 20, 2021
Property Address	425 FRANKLIN ST, WRAY, CO 80758-1524
Document Number	582513
Instrument Date	Sep 17, 2021
Instrument	582513
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16.00
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	425 FRANKLIN ST, WRAY, CO 80758-1524

Mortgage

Document Number	582514
Date	Sep 20, 2021
Instrument	582514

Lender

Name	WRAY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	65 Months
Due	Feb 17, 2027

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YUMA CO
Recording Date	Aug 3, 2021
Property Address	425 FRANKLIN ST, WRAY, CO 80758-1524
Document Number	582105
Instrument Date	Aug 3, 2021
Instrument	582105
Transaction Type	Transfer
Record Updated	Sep 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33499 COUNTY ROAD LL, WRAY, CO 80758-8901

Tax Assessment & Valuation

The 2026 property tax bill for 425 Franklin St was $1,339, 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	$1,339.00 (+0.07%)
2025	$1,338.00	$13,680
2024			$218,800 (+13.66%)
2023	$836.00 (-7.32%)	$15,324 (+43.08%) Land $796 Building $14,528	$192,510 (+43.08%) Land $10,000 Building $182,510
2022	$902.00	$10,710 Land $796 Building $9,914	$134,550 Land $10,000 Building $124,550

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 425 Franklin St; there have been 2 flood claims nearby since 2020.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2020 · other causes

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

Wildfire risk around 425 Franklin St is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach

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 209 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Viaero Wireless Fixed Wireless	150 / 40

May also be available: Vistabeam.

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