Delta County property record for 640 Carpenter St, Delta, CO 81416
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft · built 1980 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Jun 2021) |
| Tax Bill | $1,183 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone D (undetermined) |
| APN | R012975 |
| Primary APN | R012975 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,344 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Marblecrete |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | R012975 |
|---|---|
| Street Address | 640 CARPENTER ST |
| City | DELTA |
| State | CO |
| Zip | 81416-2958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 640 CARPENTER ST DELTA 81416 S: 20 T: 15S R: 95W SUBDIVISION: YOUNG ESTATES LOT: 29 TOTAL AC 0.3+- YOUNG ESTATES /DLETA LOT 29& 1/45 INT IN OPEN SPACE (80X 144.3) PT NW4NW4 SEC 20 T15S R95W 6PM BK 454 PG 1214 BK 483 PG 549 BK 526 PG 805 BK 541 PG 966 |
| Legal Subdivision | YOUNG ESTATES |
| Legal Lot Number | 29 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | DELTA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 964900 |
640 Carpenter St is owned and occupied by an individual who bought it in June 2021.
Source: Delta County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 640 CARPENTER ST, DELTA, CO 81416-2958 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2021 · Amount on File |
| Deed Sale | Jun 1, 2021 · Amount on File |
| Prior Sale | Jan 11, 2016 · Amount on File |
| Deed Document Number | 2021729581 |
| Prior Transfer Date | Sep 11, 2008 |
| Prior Transfer Doc | 0000628871 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jun 1, 2021 |
| Property Address | 640 CARPENTER ST, DELTA, CO 81416-2958 |
| Document Number | 0000729581 |
| Instrument Date | May 28, 2021 |
| Instrument | 729581 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 CARPENTER ST, DELTA, CO 81416-2958 |
| Document Number | 0000729582 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 729582 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Number | 0000729583 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 729583 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 640 Carpenter St was $1,183, up 17.2% 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 | $1,183.00 (+17.24%) | $17,384 (+13.99%) Land $3,125 Building $14,259 | $278,146 Land $50,000 Building $228,146 |
| 2024 | $1,009.00 (+4.02%) | $15,251 (-) Land $2,698 Building $12,553 | |
| 2023 | $970.00 (+17.86%) | $15,251 (+19.52%) Land $2,698 Building $12,553 | $227,625 (+23.99%) Land $40,270 Building $187,355 |
| 2022 | $823.00 | $12,760 Land $3,128 Building $9,632 | $183,585 Land $45,000 Building $138,585 |
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.
FEMA maps place 640 Carpenter St in Zone D, where flood risk has not been studied.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 640 Carpenter St is low, with less than 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 94% of the US · lower than 97.8% of Colorado |
|---|---|
| Wildfire Likelihood | Under 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 278 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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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