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1102 Bluff Street, Delta, CO, 81416

2beds
1baths
1,429sqft
$308,500
$216price/sqft
$1,924/moest. monthly cost
$76,960/yrincome needed

About This Home

Well cared for home conveniently located near schools, park, down town shopping. Perfect for new family or a retired couple.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

5/10
5/10
Delta Middle SchoolGrades 6-80.2 mi
1/10
Grand Mesa Choice AcademyGrades 7-120.3 mi

Construction

Condition

  • Year built: 1961

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Wood Frame,Masonite

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Washer

Bedroom2

  • Area: 144.9

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Window Unit(s)

Dining Room

  • Features: Eat-in Kitchen

Features

  • Window features: Clad
  • Flooring: Carpet-Partial,Tile
  • Fireplace features: Den/Family Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,429

Interior Area

  • Total structure area: 1,429
  • Total interior livable area: 1,429 sqft

Kitchen

  • Area: 222

Master Bedroom

  • Level: Main
  • Area: 76.66666666666667

Office

  • Area: 92

Property

Details

  • Parcel number: 345724414009
  • Attached to another structure: Yes
  • Zoning description: Residential Single Family

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered Porch
  • Exterior features: Landscaping
  • Has view: Yes
  • View description: Other
  • Frontage length: 100'-150' Frontage

Lot

  • Lot size: 8,712 sqft
  • Features: Corner Lot,Corners Marked

Parking

  • Total spaces: 4
  • Parking features: Attached Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 2

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
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Drought
Winter Weather

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 $1,559$18,708
Home Insurance *$92$1,104
Property Taxes $87$1,044
Electricity $186$2,232
Total$1,924$23,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,965/yr
40% on housing$57,720/yr
45% on housing$51,306/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

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 81416$173
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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$308,500
2025-08-22Listed for sale$328,500

For Sale by Agent

AgentPat Stroud
BrokerageInterwest Real Estate

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