Delta County property record for 945 Garnet Ave, Delta, CO 81416
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,804 sqft · built 1977 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,500 (Jan 2017) |
| Tax Bill | $1,176 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone D (undetermined) |
| APN | R011779 |
| Primary APN | R011779 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,804 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | R011779 |
|---|---|
| Street Address | 945 GARNET AVE |
| City | DELTA |
| State | CO |
| Zip | 81416-2255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 945 GARNET AVE DELTA 81416 S: 18 T: 15S R: 95W SUBDIVISION: GARNET MESA SUBDIVISION BLOCK: E LOT: 1 GARNET MESA SUBD DELTA (N120.0, S120.0, E67.0, W67.23) BLOCK E LOT 1 RESUBD OF PART OF BLK E SEC 18 T15S R95W 6PM BK 450 PG 1253(R-356815) BK 467 PG 3 |
| Legal Subdivision | GARNET MESA SUBDIVISION |
| Legal Block | E |
| Legal Lot Number | 1 |
| Jurisdiction | DELTA CO |
| Township / Civil Division | DELTA |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 964900 |
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 | 945 GARNET AVE, DELTA, CO 81416-2255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO |
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Jan 17, 2017 | Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HOME LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2017 · Amount on Record |
| Deed Sale | Jan 17, 2017 · Amount on Record |
| Prior Sale | Mar 13, 1985 · Amount on Record |
| Deed Document Number | 2017692570 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 945 GARNET AVE, DELTA, CO 81416-2255 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 945 GARNET AVE, DELTA, CO 81416-2255 |
| Document Number | 0000737820 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 737820 |
| Name | BANK OF COLORADO |
|---|---|
| Type | Bank |
| Address | DELTA, CO 81416 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 17, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELTA CO |
| Property Address | 945 GARNET AVE, DELTA, CO 81416-2255 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 725706 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 725706 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELTA CO |
| Recording Date | Jan 17, 2017 |
| Property Address | 945 GARNET AVE, DELTA, CO 81416-2255 |
| Document Number | 0000692570 |
| Map Reference | DOC351899 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 692570 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15.55 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 945 GARNET AVE, DELTA, CO 81416-2255 |
| Document Number | 0000692571 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 692571 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
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 | $1,176.00 (+9.4%) | $17,281 (+6.29%) Land $3,125 Building $14,156 | $276,497 (+13.94%) Land $50,000 Building $226,497 |
| 2024 | $1,075.00 (+3.86%) | $16,258 (-) Land $2,731 Building $13,527 | |
| 2023 | $1,035.00 (+32.02%) | $16,258 (+33.7%) Land $2,731 Building $13,527 | $242,659 (+38.69%) Land $40,761 Building $201,898 |
| 2022 | $784.00 | $12,160 Land $3,128 Building $9,032 | $174,961 Land $45,000 Building $129,961 |
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 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.
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 | 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 393 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 |
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