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561 Howard Street, Delta, CO, 81416

5beds
3baths
2,779sqft
$475,000
$171price/sqft
$2,886/moest. monthly cost
$115,440/yrincome needed

About This Home

Enjoy a lower interest rate with the sellers rate buydown and step into timeless elegance with this beautifully preserved five bedroom, three bathroom brick Four Square home, where historic craftsmanship meets modern comfort. Rich in character and thoughtfully updated, this exceptional residence showcases stunning original woodwork, soaring ceilings, gorgeous hardwood floors, beautiful brickwork, abundant natural light, and an updated kitchen that perfectly blends today’s conveniences with the home’s enduring charm. Every room reflects the quality craftsmanship and architectural character that make historic homes so special. The thoughtfully designed floor plan offers five generously sized bedrooms and three bathrooms, providing exceptional flexibility for family, guests, hobbies, or working from home. A private main level en suite, complete with its own bedroom, bathroom, and living area, creates the perfect space for multigenerational living, extended guests, a private office, or potential rental opportunities. Downstairs, the full basement offers incredible flexibility with workshop space, abundant storage, hobby space, future expansion possibilities, and convenient exterior access. Outside, enjoy peaceful mornings on the expansive covered front porch or unwind on the back deck overlooking the quarter acre lot. The beautifully maintained front yard creates a warm welcome, while the backyard offers a blank canvas ready for gardens, outdoor entertaining, a play area, additional landscaping, or whatever vision its next owner dreams of creating. Nestled on a quiet, established street, this home offers a wonderful sense of peace and tranquility while remaining just moments from everything that makes Delta such a special place to call home. Just blocks away is Cleland Park, one of Delta’s premier community parks featuring expansive green space, playgrounds, sports facilities, picnic areas, and scenic walking paths. Within minutes you’ll also find Confluence Park with its beautiful riverfront walking trails, fishing access, and popular disc golf course, along with Sweitzer Lake State Park, where you can enjoy boating, paddleboarding, kayaking, fishing, birdwatching, and unforgettable Colorado sunsets. Beyond the property itself, you’ll become part of a community experiencing an exciting renaissance. Delta is embracing its historic roots while building an exciting future through downtown revitalization, a growing creative arts movement, and the development of its Historic District. The beautifully restored Delta Egyptian Theatre, a treasured landmark, serves as the cultural heart of downtown with movies, concerts, live performances, and community events throughout the year. Just minutes away, the beloved Tru Vu Drive-In continues to delight generations as one of Colorado’s few remaining historic drive-in theaters, creating magical summer evenings under the stars. Living in Delta also means you’re perfectly positioned to enjoy everything Colorado’s Western Slope has to offer. Explore the Grand Mesa, the world’s largest flat top mountain, spend the day hiking the Black Canyon of the Gunnison National Park, visit local orchards and wineries, ski Powderhorn, fish the Gunnison River, or simply enjoy the slower pace and welcoming spirit that make this community so beloved. This is more than a beautiful historic home. It is an opportunity to become part of one of Western Colorado’s most authentic and vibrant communities, where history is honored, creativity is celebrated, neighbors become friends, and every season offers a new adventure. If you’ve been searching for a home with timeless character, exceptional craftsmanship, peaceful surroundings, and an unbeatable lifestyle, this remarkable property is ready to welcome you home.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

5/10
1/10
Grand Mesa Choice AcademyGrades 7-120.3 mi
5/10
Delta Middle SchoolGrades 6-80.3 mi

Construction

Condition

  • Year built: 1898

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farm House
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: W/D Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Separate Dining

Features

  • Ceiling Fan(s)
  • Window features: Window Coverings
  • Flooring: Carpet-Partial,Hardwood
  • Fireplace features: Angle nook
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace(s),Forced Air
  • Cooling features: Window Unit(s),Ceiling Fan(s)

Interior Area

  • Total structure area: 2,779
  • Total interior livable area: 2,779 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 345724110009
  • Zoning description: Residential Single Family

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.25 Acres
  • Features: Corner Lot,Wooded

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Drought
Earthquake

FEMA Declared Disasters Across Colorado Counties

Fire
Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,401$28,812
Home Insurance *$142$1,704
Property Taxes $134$1,608
Electricity $209$2,517
Total$2,886$34,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,948/yr
40% on housing$86,580/yr
45% on housing$76,960/yr

Colorado FAIR Plan Programs

Colorado FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 81416$172
Delta County$277

vs Homes Sold Last Month

Median $/sqft

ZIP 81416
Delta County$251

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-04Price change$449,500
2026-07-04Listed for sale$475,000
2000-03-31Sold$114,700

For Sale by Agent

AgentMichelle Roberts
BrokerageLovemore Real Estate

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