Delta County property record for 516 20th St, Delta, CO 81416
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,353 sqft · built 2005 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Oct 2006) |
| Tax Bill | $1,009 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Dec 2020 Mortgage + 9 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R017322 |
| Primary APN | R017322 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,353 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R017322 |
|---|---|
| Street Address | 516 20TH ST |
| City | DELTA |
| State | CO |
| Zip | 81416-8407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 516 E 20TH ST DELTA 81416 S: 30 T: 15S R: 95W SUBDIVISION: EMERALD HILLS SUBDIVISION LOT: 4 TOTAL AC 0.14+- (N70.0, S70.0, E87.36, W86.84) LOT 4 EMERALD HILLS SUBD IN PT W2 SEC 30 T15S R95W 6PM BK 783 PG 183 PLAT BK 19 PGS 65 & 66 R-584264 R-591126 R |
| Legal Subdivision | EMERALD HILLS SUBDIVISION |
| Legal Lot Number | 4 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | DELTA |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 965100 |
516 20th St is owned and occupied by two individuals who bought it in October 2006.
Source: Delta County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 516 20TH ST, DELTA, CO 81416-8407 |
| 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.
| Date | Document |
|---|---|
| Feb 21, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 10, 2020 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Apr 6, 2012 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 2, 2014 | Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Sep 19, 2014 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Sep 18, 2009 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Oct 12, 2006 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANK OF AMERICA NA |
| Jun 15, 2005 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Oct 12, 2006 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Jun 15, 2005 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 15, 2005 | Warranty Deed, Subdivision Related Transfer MERIDIAN LAND TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2006 · Amount on File |
| Deed Sale | Oct 12, 2006 · Amount on File |
| Prior Sale | Jun 15, 2005 · Amount on File |
| Deed Document Number | 2006608641 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000717141 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | 717141 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MELVILLE, NY 11747 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000724498 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 724498 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | BEARDSTOWN, IL 62618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0000657693 |
|---|---|
| Date | Apr 6, 2012 |
| Instrument | 657693 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000677243 |
|---|---|
| Date | Dec 2, 2014 |
| Instrument | 677243 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000675907 |
|---|---|
| Date | Sep 19, 2014 |
| Instrument | 675907 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000637733 |
|---|---|
| Date | Sep 18, 2009 |
| Instrument | 637733 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000608643 |
|---|---|
| Date | Oct 12, 2006 |
| Instrument | 608643 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | BREA, CA 92823 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000592445 |
|---|---|
| Date | Jun 15, 2005 |
| Instrument | 592445 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | May 19, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Oct 12, 2006 |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000608641 |
| Instrument Date | Oct 12, 2006 |
| Instrument | 608641 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | FAHTCO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000608642 |
|---|---|
| Date | Oct 12, 2006 |
| Instrument | 608642 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | BREA, CA 92823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jun 15, 2005 |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000592442 |
| Instrument | 592442 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | MERIDIAN LAND TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1548 INDEPENDENT AVE UNIT 4, 4, GRAND JUNCTION, CO 81505-7258 |
| Investor | Possibly a Property Investor |
| Document Number | 0000592444 |
|---|---|
| Date | Jun 15, 2005 |
| Instrument | 592444 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jun 15, 2005 |
| Property Address | 516 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000592443 |
| Instrument Date | May 19, 2005 |
| Instrument | 592443 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | MERIDIAN LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $15.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1548 INDEPENDENT AVE # 4, 4, GRAND JUNCTION, CO 81505-7258 |
| Name | Verified Name |
|---|---|
| Address | 516 20TH ST, DELTA, CO 81416-8407 |
The 2025 property tax bill for 516 20th St was $1,009, up 38.8% 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 | $1,009.00 (+38.79%) | $21,084 (+19.14%) Land $3,125 Building $17,959 | $337,350 Land $50,000 Building $287,350 |
| 2024 | $727.00 (+3.86%) | $17,697 (-) Land $2,773 Building $14,924 | |
| 2023 | $700.00 (+57.66%) | $17,697 (+28.41%) Land $2,773 Building $14,924 | $264,133 (+33.19%) Land $41,383 Building $222,750 |
| 2022 | $444.00 | $13,782 Land $2,189 Building $11,593 | $198,306 Land $31,500 Building $166,806 |
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 516 20th St in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 12 in force |
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 516 20th 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 102 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 |
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