Delta County property record for 528 20th St, Delta, CO 81416
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,437 sqft · built 2005 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $156,800 (May 2005) |
| Tax Bill | $1,479 (2025) |
| Deeds & Mortgages | Dec 2011 Mortgage May 2005 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R017325 |
| Primary APN | R017325 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,437 sqft Living Area |
| Flooring | Tile |
| 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) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | R017325 |
|---|---|
| Street Address | 528 20TH ST |
| City | DELTA |
| State | CO |
| Zip | 81416-8407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 528 E 20TH ST DELTA 81416 S: 30 T: 15S R: 95W SUBDIVISION: EMERALD HILLS SUBDIVISION LOT: 7 TOTAL 0.14AC+- (N70.0, S70.0, E88.94, W88.42) LOT 7 EMERALD HILLS SUBD IN PT W2 SEC 30 T15S R95W 6PM BK 783 PG 183 PLAT BK 19 PGS 65 & 66 R-584268 R-591126 R- |
| Legal Subdivision | EMERALD HILLS SUBDIVISION |
| Legal Lot Number | 7 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | DELTA |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 965100 |
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 | 528 20TH ST, DELTA, CO 81416-8407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2011 | Deed of Trust, Mortgage WELLS FARGO BANK NA |
| May 17, 2005 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COLORADO HOUSING & FINANCE AUTHORITY |
| May 17, 2005 | Warranty Deed, Subdivision Related Transfer MERIDIAN LAND TITLE LLC |
| May 17, 2005 | Warranty Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2005 · Amount on Record |
| Deed Sale | May 17, 2005 · Amount on Record |
| Prior Sale | Oct 7, 2004 · Amount on Record |
| Deed Document Number | 2005591377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 528 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Title Company | HERITAGE TITLE LT, HERITAGE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000655285 |
|---|---|
| Date | Dec 16, 2011 |
| Instrument | 655285 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 528 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000591379 |
|---|---|
| Date | May 17, 2005 |
| Instrument | 591379 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | May 17, 2005 |
| Property Address | 528 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000591377 |
| Instrument Date | May 5, 2005 |
| Instrument | 591377 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | MERIDIAN LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $15.68 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1548 INDEPENDENT AVE # 4, 4, GRAND JUNCTION, CO 81505-7258 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 528 20TH ST, DELTA, CO 81416-8407 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | May 17, 2005 |
| Property Address | 528 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000591376 |
| Instrument Date | May 3, 2005 |
| Instrument | 591376 |
| 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 |
|---|---|
| Address | 1548 INDEPENDENT AVE # 4, 4, GRAND JUNCTION, CO 81505-7258 |
| Name | Verified Name |
|---|---|
| Address | 1548 INDEPENDENT AVE UNIT 4, 4, GRAND JUNCTION, CO 81505-7258 |
| Investor | Possibly a Property Investor |
| Document Number | 0000591378 |
|---|---|
| Date | May 17, 2005 |
| Instrument | 591378 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50306 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2035 |
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 | $1,479.00 (+13.07%) | $21,735 (+9.91%) Land $3,125 Building $18,610 | $347,755 (+17.82%) Land $50,000 Building $297,755 |
| 2024 | $1,308.00 (+3.89%) | $19,776 (-) Land $2,824 Building $16,952 | |
| 2023 | $1,259.00 (+29.13%) | $19,776 (+30.81%) Land $2,824 Building $16,952 | $295,155 (+35.68%) Land $42,146 Building $253,009 |
| 2022 | $975.00 | $15,118 Land $2,189 Building $12,929 | $217,532 Land $31,500 Building $186,032 |
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.
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 Record 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.
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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