504 Main St, Wray, CO 80758 Property Records

Yuma County property record for 504 Main St, Wray, CO 80758

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,394 sqft · built 1897
Lot Size	0.289 acres (12,600 sqft)
Owner	Individual Name on Record
Tax Bill	$1,961 (2026)
Deeds & Mortgages	Jun 2025 Reverse Mortgage Jun 2020 Reverse Mortgage
APN	`W000186`

Property Details

APN / Parcel Number

Primary APN	`W000186`

Interior

Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	2,394 sqft Living Area
Basement Area	364 sqft
Unfinished Basement	364 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1997
Exterior Material	Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	399 sqft
Deck Area	Deck Area
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Street Address	504 MAIN ST
City	WRAY
State	CO
Zip	80758-1722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WRAY, KIRK'S RESUB WRAY 1ST TR DESC AS BEG AT PT 60' S OF SW COR BLK 13 ORIGINAL WRAY; THN E 140'; THN S 90'; THN W 140'; THN N 90' TO POB. AKA: BLK 20 LOT 12 & N 40' OF LOT 11SIZE: 90 X 140
Legal Subdivision	WRAY, KIRKS RESUB
Legal Block	13,20
Legal Lot Number	11-12
Jurisdiction	YUMA CO
Township / Civil Division	WRAY
Census Block Group	3
Census Block	3088
Census Tract	963100

Owner

Source: Yuma County records, as of May 27, 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 Record
Mailing Address	504 MAIN ST, WRAY, CO 80758-1722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2025	Intrafamily Transfer, Transfer · Reverse Mortgage SOUTH RIVER MORTGAGE LLC
Jun 26, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 17, 2025
Transfer Doc	0000592142
Record Updated	Sep 20, 2026

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YUMA CO
Recording Date	Jun 23, 2025
Property Address	504 MAIN ST, WRAY, CO 80758-1722
Document Number	0000592142
Instrument Date	Jun 17, 2025
Instrument	592142
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	SUMMIT STLMT SVCS VESTING

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	504 MAIN ST, WRAY, CO 80758-1722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 MAIN ST, WRAY, CO 80758-1722

Mortgage

Document Number	0000592143
Date	Jun 23, 2025
Instrument	592143

Lender

Name	SOUTH RIVER MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	965 Months
Due	Nov 9, 2105

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA CO
Property Address	504 MAIN ST, WRAY, CO 80758-1722
Transaction Type	Mortgage
Record Updated	Jul 16, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	578948
Date	Jun 26, 2020
Instrument	578948

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.4%
Type Change Date	Jul 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

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	$1,961.00 (+0.05%)
2025	$1,960.00 (+44.86%)	$20,040 (-9.29%)
2024			$320,570 (+15.5%)
2023	$1,353.00 (+4.4%)	$22,093 (+43.44%) Land $955 Building $21,138	$277,550 (+43.44%) Land $12,000 Building $265,550
2022	$1,296.00	$15,402 Land $955 Building $14,447	$193,490 Land $12,000 Building $181,490

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Colorado
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 309 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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