645 A St, Delta, CO 81416 Property Records

Delta County property record for 645 A St, Delta, CO 81416

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,527 sqft · built 1967
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$180,450 (May 2020)
Tax Bill	$1,008 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone D (undetermined)
APN	`R012313`

Property Details

APN / Parcel Number

Primary APN	`R012313`
Alternative APN	`345519216004`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,527 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Coal
Sewer	Connected

Location & Zoning

Account Number	R012313
Street Address	645 A ST
City	DELTA
State	CO
Zip	81416-2527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	645 A ST DELTA 81416 S: 19 T: 15S R: 95W SUBDIVISION: STEPHENS ADDITION, SUBDIVISION: SCHOOL ADDITION BLOCK: F TOTAL AC 0.24+- SEC 19 T15S R95W 6PM PT STEPHENS 1ST ADD & PT BLK F SCHOOL ADD, BEG 100NOF SE COR BLK F SCHOOL ADD N75, W140, S75, E140, TO
Legal Subdivision	STEPHENS ADDITION
Jurisdiction	DELTA CO
Township / Civil Division	DELTA
Census Block Group	2
Census Block	2053
Census Tract	964900

Owner

645 A St is owned and occupied by two individuals who bought it in May 2020.

Source: Delta County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	645 A ST, DELTA, CO 81416-2527
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PHH MORTGAGE SERVICES CORP
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
May 15, 2020	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on File
Deed Sale	May 15, 2020 · Amount on File
Prior Sale	Aug 11, 2016 · Amount on File
Deed Document Number	2020718857
Prior Transfer Date	Jun 17, 2011
Prior Transfer Doc	0000651628
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	645 A ST, DELTA, CO 81416-2527
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 A ST, DELTA, CO 81416-2527

Mortgage

Document Number	0000766686
Date	Mar 20, 2026
Instrument	766686

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELTA CO
Property Address	645 A ST, DELTA, CO 81416-2527
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	730037
Date	Jun 15, 2021
Instrument	730037

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELTA CO
Recording Date	May 15, 2020
Property Address	645 A ST, DELTA, CO 81416-2527
Document Number	0000718857
Instrument Date	May 14, 2020
Instrument	718857
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18.05
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	645 A ST, DELTA, CO 81416-2527

Mortgage

Document Number	0000718858
Date	May 15, 2020
Instrument	718858

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 645 A St was $1,008, up 8.2% from the year before.

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	$1,008.00 (+8.15%)	$14,824 (+5.26%) Land $3,125 Building $11,699	$237,186 (+12.84%) Land $50,000 Building $187,186
2024	$932.00 (+4.02%)	$14,083 (-) Land $2,655 Building $11,428	$210,192 (-) Land $39,630 Building $170,562
2023	$896.00 (+7.95%)	$14,083 (+9.52%) Land $2,655 Building $11,428	$210,192 (+13.6%) Land $39,630 Building $170,562
2022	$830.00	$12,859 Land $2,234 Building $10,625	$185,023 Land $32,143 Building $152,880

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

FEMA maps place 645 A 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

The area around 645 A St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 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.

Nearby Properties on A St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures