535 Dexter St, Wray, CO 80758 Property Records

Yuma County property record for 535 Dexter St, Wray, CO 80758

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,414 sqft · built 1916
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,000 (Oct 2017)
Tax Bill	$2,249 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2023 Mortgage + 4 more
APN	`W000445`

Property Details

APN / Parcel Number

Primary APN	`W000445`

Interior

Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	2,414 sqft Living Area
Basement Area	526 sqft
Unfinished Basement	526 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1999
Exterior Material	Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	535 DEXTER ST
City	WRAY
State	CO
Zip	80758-1629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WRAY, KIRK'S 1ST BLK 6 LOT 5 SIZE: 50 X 140
Legal Subdivision	KIRK S FIRST ADDITION
Legal Block	6
Legal Lot Number	5
Jurisdiction	YUMA CO
Township / Civil Division	WRAY
Census Block Group	3
Census Block	3075
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	2 Individual Names on Record
Mailing Address	535 DEXTER ST, WRAY, CO 80758-1629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage YUMA COUNTY FEDERAL CREDIT UNION
Oct 12, 2023	Deed of Trust, Mortgage YUMA COUNTY FCU
Aug 6, 2021	Deed of Trust, Mortgage YUMA COUNTY FCU
Mar 24, 2017	Deed of Trust, Mortgage · Line of Credit WRAY STATE BANK
Nov 27, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage EQUITABLE SLA
Oct 2, 2017	Warranty Deed, Transfer · FHA Mortgage BANK OF COLORADO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Prior Sale	Mar 14, 2016 · Amount on Record
Deed Document Number	2017571028
Last Transfer Date	Nov 22, 2019
Transfer Doc	0000577273
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA CO
Recording Date	Aug 17, 2026
Property Address	535 DEXTER ST, WRAY, CO 80758-1629
Document Number	0000595047
Instrument Date	Aug 11, 2026
Instrument	2026595047
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 DEXTER ST, WRAY, CO 80758-1629

Mortgage

Document Number	0000595047,
Date	Aug 17, 2026
Instrument	2026595047

Lender

Name	YUMA COUNTY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	7%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA CO
Property Address	535 DEXTER ST, WRAY, CO 80758-1629
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 DEXTER ST, WRAY, CO 80758-1629

Mortgage

Document Number	0000588223
Date	Oct 12, 2023
Instrument	588223

Lender

Name	YUMA COUNTY FCU
Type	Credit Union
Address	WRAY, CO 80758

Agreement

Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA CO
Property Address	535 DEXTER ST, WRAY, CO 80758-1629
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 DEXTER ST, WRAY, CO 80758-1629

Mortgage

Document Number	582147
Date	Aug 6, 2021
Instrument	582147

Lender

Name	YUMA COUNTY FCU
Type	Credit Union
Address	WRAY, CO 80758

Agreement

Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA CO
Property Address	535 DEXTER ST, WRAY, CO 80758-1629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00569383
Date	Mar 24, 2017
Instrument	00569383

Lender

Name	WRAY STATE BANK
Type	Bank
Address	WRAY, CO 80758

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 15, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YUMA CO
Recording Date	Nov 27, 2019
Property Address	535 DEXTER ST, WRAY, CO 80758-1629
Document Number	0000577273
Instrument Date	Nov 22, 2019
Instrument	00577273
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	535 DEXTER ST, WRAY, CO 80758-1629

Mortgage

Document Number	0000577274
Date	Nov 27, 2019
Instrument	00577274

Lender

Name	EQUITABLE SLA
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.65%
Index	1-Year CMT
Max Rate	9.62%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YUMA CO
Recording Date	Oct 2, 2017
Property Address	535 DEXTER ST, WRAY, CO 80758-1629
Document Number	0000571028
Instrument Date	Oct 2, 2017
Instrument	00571028
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 DEXTER ST, WRAY, CO 80758-1629

Mortgage

Document Number	0000571029
Date	Oct 2, 2017
Instrument	00571029

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$2,249.00 (+0.04%)
2025	$2,248.00 (+44.38%)	$22,980 (-7.2%)
2024			$367,670 (+18.19%)
2023	$1,557.00 (+21.64%)	$24,763 (+63.04%) Land $796 Building $23,967	$311,090 (+63.05%) Land $10,000 Building $301,090
2022	$1,280.00	$15,188 Land $796 Building $14,392	$190,800 Land $10,000 Building $180,800

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 · 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 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 209 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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