490 W Main St, Cedaredge, CO 81413 Property Records

Delta County property record for 490 W Main St, Cedaredge, CO 81413

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,042 sqft · built 1907
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,000 (Jan 2026)
Tax Bill	$1,504 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R002795`

Property Details

APN / Parcel Number

Primary APN	`R002795`
Alternative APN	`319320329003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,042 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1975
Architectural Style	Multi-Level
Exterior Material	Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Account Number	R002795
Street Address	490 W MAIN ST
City	CEDAREDGE
State	CO
Zip	81413-3337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	490 W MAIN ST CEDAREDGE 81413 S: 20 T: 13S R: 94W SUBDIVISION: PLAT A CEDAREDGE BLOCK: 4 LOT: 6 AND:- LOT: 7 THRU:- LOT: 9 TOTAL AC 0.3+- LOTS 6 THRU 9 BLK 4 PLAT A /CED SEC 20 T13S R94W 6PM BK 249 PG 30 BK 351 PG 252 BK 381 PG 207 BK 258 PG 527 BK 2
Legal Subdivision	PLAT A CEDAREDGE
Legal Block	4
Legal Lot Number	6
Jurisdiction	DELTA CO
Township / Civil Division	CEDAREDGE
Census Block Group	1
Census Block	1031
Census Tract	965201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	490 W MAIN ST, CEDAREDGE, CO 81413-3337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2018	Deed of Trust, Mortgage EPPINGER VII LTD
Jan 26, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 23, 2020	Special Warranty Deed, Transfer
Mar 12, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2026 · Amount on Record
Deed Sale	Jan 26, 2026 · Amount on Record
Prior Sale	Jan 23, 2020 · Amount on Record
Deed Document Number	2026765637
Prior Transfer Date	Mar 8, 2018
Prior Transfer Doc	0000702022
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	490 W MAIN ST, CEDAREDGE, CO 81413-3337
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000701626
Date	Feb 22, 2018
Instrument	701626

Lender

Name	EPPINGER VII LTD
Type	Non-Lending Institution
Address	VICTORIA, TX 77901

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 31, 2019

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Jan 26, 2026
Property Address	490 W MAIN ST, CEDAREDGE, CO 81413-3337
Document Number	0000765637
Instrument Date	Jan 23, 2026
Instrument	765637
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$38.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3031 ANGEL DR, DELTA, CO 81416-9557

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	490 W MAIN ST, CEDAREDGE, CO 81413-3337

Mortgage

Document Number	0000765638
Date	Jan 26, 2026
Instrument	765638

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Jan 23, 2020
Property Address	490 W MAIN ST, CEDAREDGE, CO 81413-3337
Document Number	0000716525
Instrument Date	Jan 23, 2020
Instrument	716525
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Tax	$23.99
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 S 1ST ST, MONTROSE, CO 81401-3913

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DELTA CO
Recording Date	Mar 12, 2018
Property Address	490 W MAIN ST, CEDAREDGE, CO 81413-3337
Document Number	0000702022
Instrument Date	Mar 8, 2018
Instrument	702022
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 STEELE ST STE 325, 325, DENVER, CO 80206-5238

Tax Assessment & Valuation

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	$1,504.00 (+20.32%)	$21,780 (+18.67%) Land $2,813 Building $18,967	$348,465 (+27.21%) Land $45,000 Building $303,465
2024	$1,250.00 (+4.08%)	$18,354 (-) Land $2,232 Building $16,122
2023	$1,201.00 (+30.26%)	$18,354 (+33.22%) Land $2,232 Building $16,122	$273,939 (+38.2%) Land $33,312 Building $240,627
2022	$922.00	$13,777 Land $2,016 Building $11,761	$198,226 Land $29,000 Building $169,226

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

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 82% of Colorado
Wildfire Likelihood	0.03% 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	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 188 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

May also be available: T-Mobile.

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