557 Bluff St, Delta, CO 81416 Property Records

Delta County property record for 557 Bluff St, Delta, CO 81416

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,236 sqft · built 1956
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Nov 2024)
Tax Bill	$1,208 (2025)
Deeds & Mortgages	Feb 2024 Foreclosure Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R024248`

Property Details

APN / Parcel Number

Primary APN	`R024248`
Alternative APN	`345724144001`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,236 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,275 sqft (0.167 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	R024248
Street Address	557 BLUFF ST
City	DELTA
State	CO
Zip	81416-3616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	557 BLUFF ST DELTA 81416 S: 24 T: 15S R: 96W SUBDIVISION: GARNET MESA SUBDIVISION BLOCK: 12 LOT: 11 AND:- LOT: 12 LOTS 11 & 12, GARNET MESA SUB. PT NE4 SEC 24 T15S R96W 6PM. BK 447 PG 19 (R351928) BK 571 PG 11 BK 440 PG 1642 (R344348) BK 837 PGS 129
Legal Subdivision	GARNET MESA SUBDIVISION
Legal Block	12
Legal Lot Number	11
Jurisdiction	DELTA CO
Township / Civil Division	DELTA
Census Block Group	2
Census Block	2042
Census Tract	965100

Owner

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	Individual Name on Record
Mailing Address	9 BROWN RD, MONTROSE, CO 81401-4805
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed, Foreclosure
Apr 27, 2022	Special Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2024 · Amount on Record
Deed Sale	Nov 20, 2024 · Amount on Record
Prior Sale	Feb 21, 2024
Deed Document Number	2024756749
Prior Transfer Date	Jan 8, 2016
Prior Transfer Doc	0000685084
Record Updated	Jun 8, 2026

February 2024: Deed, Foreclosure

Document Type	Deed
Jurisdiction	DELTA CO
Recording Date	Feb 21, 2024
Property Address	557 BLUFF ST, DELTA, CO 81416-3616
Document Number	0000751407
Instrument Date	Feb 21, 2024
Instrument	751407
Transaction Type	Foreclosure
Record Updated	Mar 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CORPORATE DR STE 360, 360, LAKE ZURICH, IL 60047-8945

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Apr 27, 2022
Property Address	557 BLUFF ST, DELTA, CO 81416-3616
Document Number	0000738828
Instrument Date	Apr 26, 2022
Instrument	738828
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$28.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	557 BLUFF ST, DELTA, CO 81416-3616

Mortgage

Document Number	0000738829
Date	Apr 27, 2022
Instrument	738829

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Mortgage

Document Number	0000738830
Date	Apr 27, 2022
Instrument	738830

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	557 BLUFF ST, DELTA, CO 81416-3616
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	727677
Date	Mar 31, 2021
Instrument	727677

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Delta County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Delta County
Municipality	Delta City
Unified School District	Delta County School District 50J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,208.00 (+21.53%)	$17,765 (+18.2%) Land $3,125 Building $14,640	$284,241 (+26.7%) Land $50,000 Building $234,241
2024	$994.00 (+3.97%)	$15,030 (-) Land $2,690 Building $12,340
2023	$956.00 (+13.67%)	$15,030 (+15.3%) Land $2,690 Building $12,340	$224,333 (+19.61%) Land $40,155 Building $184,178
2022	$841.00	$13,035 Land $3,128 Building $9,907	$187,551 Land $45,000 Building $142,551

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, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1984–1992)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 1992 · rainfall accumulation

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 97% of the US · lower than 98.8% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 440 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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