Delta County property record for 532 20th St, Delta, CO 81416
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,116 sqft · built 2005 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,682 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2005 Second Mortgage + 4 more |
| Flood Zone | Zone D (undetermined) |
| APN | R017326 |
| Primary APN | R017326 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 2,116 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| 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 | R017326 |
|---|---|
| Street Address | 532 20TH ST |
| City | DELTA |
| State | CO |
| Zip | 81416-8407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 532 E 20TH ST DELTA 81416 S: 30 T: 15S R: 95W SUBDIVISION: EMERALD HILLS SUBDIVISION LOT: 8 TOTAL AC 0.14+- (N70.0, S70.0, E89.47, W88.94) LOT 8 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 | 8 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | DELTA |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 965100 |
532 20th St is owned and occupied by two individuals who acquired it in December 2023.
Source: Delta County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Aug 18, 2005 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY CAPITAL CORP |
| Dec 7, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 14, 2008 | Intrafamily Transfer, Transfer |
| Aug 18, 2005 | Warranty Deed, Transfer · Conventional Mortgage BAY CAPITAL CORP |
| Aug 18, 2005 | Warranty Deed, Subdivision Related Transfer MERIDIAN LAND TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2023 |
| Deed Sale | Dec 7, 2023 |
| Prior Sale | Aug 18, 2005 · Amount on File |
| Deed Document Number | 2023750306 |
| Prior Transfer Date | Nov 28, 2023 |
| Prior Transfer Doc | 0000750306 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Apr 13, 2026 |
| Property Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000767067 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 2026767067 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000767067, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 2026767067 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000594651 |
|---|---|
| Date | Aug 18, 2005 |
| Instrument | 594651 |
| Name | BAY CAPITAL CORP |
|---|---|
| Address | OWINGS MILLS, MD 21117 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2020 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Dec 7, 2023 |
| Property Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000750306 |
| Instrument Date | Nov 28, 2023 |
| Instrument | 750306 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000750307 |
|---|---|
| Date | Dec 7, 2023 |
| Instrument | 750307 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jul 14, 2008 |
| Property Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000627207 |
| Instrument Date | Jul 14, 2008 |
| Instrument | 627207 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Aug 18, 2005 |
| Property Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000594648 |
| Instrument Date | Aug 5, 2005 |
| Instrument | 594648 |
| 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, GRAND JUNCTION, CO 81505-7258 |
| Name | Verified Name |
|---|---|
| Address | 1548 INDEPENDENT AVE UNIT 4, 4, GRAND JUNCTION, CO 81505-7258 |
| Document Number | 0000594650 |
|---|---|
| Date | Aug 18, 2005 |
| Instrument | 594650 |
| Name | BAY CAPITAL CORP |
|---|---|
| Address | OWINGS MILLS, MD 21117 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8% |
| Type Change Date | Sep 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 8% |
| Max Rate At Change | 11% |
| Index | 6-Month LIBOR |
| Max Rate | 14% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Aug 18, 2005 |
| Property Address | 532 20TH ST, DELTA, CO 81416-8407 |
| Document Number | 0000594649 |
| Instrument Date | Aug 5, 2005 |
| Instrument | 594649 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | MERIDIAN LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $18.54 |
| 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 | 532 20TH ST, DELTA, CO 81416-8407 |
The 2025 property tax bill for 532 20th St was $1,682, up 10.7% 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 | $1,682.00 (+10.66%) | $24,721 (+7.62%) Land $3,125 Building $21,596 | $395,541 Land $50,000 Building $345,541 |
| 2024 | $1,520.00 (+3.97%) | $22,970 (-) Land $2,887 Building $20,083 | |
| 2023 | $1,462.00 (+31.95%) | $22,970 (+33.76%) Land $2,887 Building $20,083 | $342,837 (+38.75%) Land $43,088 Building $299,749 |
| 2022 | $1,108.00 | $17,172 Land $2,189 Building $14,983 | $247,085 Land $31,500 Building $215,585 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 532 20th St in Zone D, where flood risk has not been studied.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| 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 532 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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