Rio Grande County property record for 685 Oak St, Del Norte, CO 81132
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,446 sqft · built 1916 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $360,000 (Jan 2022) |
| Tax Bill | $2,789 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R001726 |
| Primary APN | R001726 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 4,446 sqft |
| 1st Floor Area | 2,223 sqft |
| Basement Area | 2,223 sqft |
| Finished Basement | 2,223 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | A-Frame |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|
| Account Number | R001726 |
|---|---|
| Street Address | 685 OAK ST |
| City | DEL NORTE |
| State | CO |
| Zip | 81132-2264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION DEL NORTE LOT 7-8 BLOCK 40 |
| Legal Subdivision | DEL NORTE |
| Legal Block | 40 |
| Legal Lot Number | 7-8 |
| Jurisdiction | RIO GRANDE CO |
| Township / Civil Division | DEL NORTE |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 976800 |
Source: Rio Grande County records, as of February 23, 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 | 685 OAK ST, DEL NORTE, CO 81132-2264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Sep 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2022 · Amount on Record |
| Deed Sale | Jan 10, 2022 · Amount on Record |
| Deed Document Number | 2022445564 |
| Deed Book / Page | 607 / 195 |
| Prior Transfer Date | Dec 2, 2008 |
| Prior Transfer Doc | 00541/2849 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | RIO GRANDE CO |
| Recording Date | Jan 10, 2022 |
| Property Address | 685 OAK ST, DEL NORTE, CO 81132-2264 |
| Document Number | 000607/195 |
| Book / Page | 607 / 195 |
| Instrument Date | Jan 7, 2022 |
| Instrument | 202200445564 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 685 OAK ST, DEL NORTE, CO 81132-2264 |
| Document Number | 202200445565 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 202200445565 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIO GRANDE CO |
| Property Address | 685 OAK ST, DEL NORTE, CO 81132-2264 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 601/2409 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 601/2409 |
| Instrument | 202000439837 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 96 Months |
| Due | Sep 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIO GRANDE CO |
| Property Address | 685 OAK ST, DEL NORTE, CO 81132-2264 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 201700431175 |
|---|---|
| Date | Oct 20, 2017 |
| Book Page | 588/0749 |
| Instrument | 201700431175 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2032 |
Source: Rio Grande County assessment roll, as of February 23, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Rio Grande County |
| Municipality | Del Norte Town |
| Unified School District | Upper Rio Grande School District C-7 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,789.00 (+22.32%) | $35,020 (+17.54%) Land $1,880 Building $33,140 | $560,300 (+26%) Land $30,000 Building $530,300 |
| 2023 | $2,280.00 (+62.97%) | $29,795 (+67.03%) Land $1,133 Building $28,662 | $444,700 (+73.26%) Land $16,909 Building $427,791 |
| 2022 | $1,399.00 | $17,838 Land $792 Building $17,046 | $256,665 Land $11,400 Building $245,265 |
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.
Source: FEMA National Flood Hazard Layer, effective October 27, 2022 · 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 |
| Nearby Flood Policies | 1 in force |
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.
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 | 0.01% annual chance |
| Exposure | Indirect within 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 | TOWN OF DEL NORTE serves 1,429 people · EPA ID CO0153200 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 13 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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ciello Fiber · Fixed Wireless | 1,000 / 1,000 |
| Jade Communications Fixed Wireless | 500 / 25 |
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