608 Bluff St, Delta, CO 81416 Property Records

Delta County property record for 608 Bluff St, Delta, CO 81416

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,644 sqft · built 1950
Lot Size	0.516 acres (22,477 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Mar 2026)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Aug 2009 Mortgage Mar 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R012332`

Property Details

APN / Parcel Number

Primary APN	`R012332`
Alternative APN	`345519221001`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,644 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,477 sqft (0.516 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R012332
Street Address	608 BLUFF ST
City	DELTA
State	CO
Zip	81416-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	608 BLUFF ST DELTA 81416 S: 19 T: 15S R: 95W SUBDIVISION: GARNET MESA SUBDIVISION BLOCK: 8 LOT: 1-6 GARNET MESA SUBD DELTA BLK 8 LT 1- 6 SEC 19 T15S R95W 6PM 450 PG 1483 BK 509 PG 449 BK 525 PG 707 BK 538 PG 440 BK 703 PGS 633 BK 703 PG 634 BK 903 PG
Legal Subdivision	GARNET MESA SUBDIVISION
Legal Block	8
Legal Lot Number	06-JA
Jurisdiction	DELTA CO
Township / Civil Division	DELTA
Census Block Group	2
Census Block	2042
Census Tract	965100

Owner

Source: Delta County records, as of July 15, 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	708 S JUNCTION AVE, MONTROSE, CO 81401-4416
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2009	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 9, 2026	Special Warranty Deed, Transfer · VA Mortgage NEXTMORTGAGE LLC
Dec 21, 2021	Special Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Dec 29, 2017	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Feb 7, 2007	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	Dec 27, 2024 · Amount on Record
Deed Document Number	2026766459
Prior Transfer Date	Apr 4, 2025
Prior Transfer Doc	0000759716
Record Updated	Sep 20, 2026

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	608 BLUFF ST, DELTA, CO 81416-3619
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	HERITAGE TITLE LT, HERITAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000636999
Date	Aug 18, 2009
Instrument	636999

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2039

March 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Mar 9, 2026
Property Address	608 BLUFF ST, DELTA, CO 81416-3619
Document Number	0000766459
Instrument Date	Mar 9, 2026
Instrument	766459
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 BLUFF ST, DELTA, CO 81416-3619

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	708 S JUNCTION AVE, MONTROSE, CO 81401-4416

Mortgage

Document Number	0000766460
Date	Mar 9, 2026
Instrument	766460

Lender

Name	NEXTMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Dec 21, 2021
Property Address	608 BLUFF ST, DELTA, CO 81416-3619
Document Number	0000735388
Instrument Date	Dec 20, 2021
Instrument	735388
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$31.85
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11406 WILDLIGHT LN, 11406, ALBERTON, MT 59820-9363

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 BLUFF ST, DELTA, CO 81416-3619

Mortgage

Document Number	0000735389
Date	Dec 21, 2021
Instrument	735389

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000735390
Date	Dec 21, 2021
Instrument	735390

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	Jan 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	Dec 29, 2017
Property Address	608 BLUFF ST, DELTA, CO 81416-3619
Document Number	0000700501
Instrument Date	Dec 22, 2017
Instrument	700501
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 BLUFF ST, DELTA, CO 81416-3619

Mortgage

Document Number	0000700502
Date	Dec 29, 2017
Instrument	700502

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

February 2007: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELTA CO
Recording Date	Feb 7, 2007
Property Address	608 BLUFF ST, DELTA, CO 81416-3619
Document Number	0000611981
Instrument Date	Dec 2, 2006
Instrument	611981
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 MAIN ST # 126, 126, DELTA, CO 81416-1817

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	$1,456.00 (+5.28%)	$21,409 (+2.4%) Land $4,313 Building $17,096	$342,537 (+9.77%) Land $69,000 Building $273,537
2024	$1,383.00 (+3.91%)	$20,907 (-) Land $3,930 Building $16,977	$312,053 (-) Land $58,661 Building $253,392
2023	$1,331.00 (+33.5%)	$20,907 (+35.32%) Land $3,930 Building $16,977	$312,053 (+40.37%) Land $58,661 Building $253,392
2022	$997.00	$15,450 Land $3,128 Building $12,322	$222,300 Land $45,000 Building $177,300

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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