Douglas County property record for 10157 Stephen Pl, Highlands Ranch, CO 80130
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,144 sqft · built 1995 |
| Lot Size | 0.199 acres (8,668 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $990,000 (Apr 2022) |
| Tax Bill | $6,582 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Mar 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2231-18-1-03-019 |
| Primary APN | 2231-18-1-03-019 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 4,144 sqft Living Area |
| Gross Area | 4,219 sqft |
| Basement Area | 1,509 sqft |
| Finished Basement | 1,434 sqft |
| Unfinished Basement | 75 sqft |
| Flooring | Covered |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,668 sqft (0.199 acres) |
| Garage Area | 940 sqft |
| Porch | Porch |
| Porch Area | 577 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R0379669 |
|---|---|
| Street Address | 10157 STEPHEN PL |
| City | HIGHLANDS RANCH |
| State | CO |
| Zip | 80130-8017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDU |
| Legal Description | LOT 66 HIGHLANDS RANCH #117-B .199 AM/L |
| Legal Range | 67W |
| Legal Township | 06S |
| Legal Section | 18 |
| Legal Quarter | NE |
| Legal Subdivision | HIGHLANDS RANCH |
| Legal Block | 199 |
| Legal Lot Number | 66 |
| Jurisdiction | DOUGLAS CO |
| Township / Civil Division | SEDALIA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 14143 |
10157 Stephen Pl is owned and occupied by two individuals who bought it in April 2022.
Source: Douglas County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage M2 LENDING SOLUTIONS LLC |
| Mar 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP |
| Dec 16, 2019 | Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC |
| Apr 11, 2018 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Oct 20, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2022 · Amount on File |
| Deed Sale | Apr 1, 2022 · Amount on File |
| Prior Sale | Mar 26, 2021 · Amount on File |
| Deed Document Number | 202223468 |
| Prior Transfer Date | Mar 7, 2017 |
| Prior Transfer Doc | 0000071516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Apr 1, 2022 |
| Property Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Document Number | 0000023468 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 2022023468 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2022 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10157 STEPHEN PL, 10157, HIGHLANDS RANCH, CO 80130-8017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Document Number | 0000023469 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 2022023469 |
| Name | M2 LENDING SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Number | 0000023470 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 2022023470 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Mar 26, 2021 |
| Property Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Document Number | 0000041351 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 2021041351 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10157 STEPHEN PL, 10157, HIGHLANDS RANCH, CO 80130-8017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Document Number | 0000041352 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021041352 |
| Name | NOVA FINANCIAL & INVESTMENT CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000085890 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 2019085890 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Apr 11, 2018 |
| Property Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Document Number | 0000021280 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 2018021280 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $73.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Document Number | 0000021281 |
|---|---|
| Date | Apr 11, 2018 |
| Instrument | 2018021281 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Oct 20, 2017 |
| Property Address | 10157 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8017 |
| Document Number | 0000071516 |
| Instrument Date | Mar 7, 2017 |
| Instrument | 71516 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10157 STEPHEN PL HIGHLANDS RANCH CO 801308017, HIGHLANDS RANCH, CO 80130-8017 |
The 2025 property tax bill for 10157 Stephen Pl was $6,582, up 4.6% from the year before.
Source: Douglas County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Douglas County |
| Unified School District | Douglas County School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $68,430 (-) Land $6,250 Building $62,180 | $1,006,441 (-) Land $91,967 Building $914,474 | |
| 2025 | $6,582.00 (+4.63%) | $68,430 Land $6,250 Building $62,180 | $1,006,441 Land $91,967 Building $914,474 |
| 2024 | $6,291.00 (+0.19%) | ||
| 2023 | $6,279.00 | $70,430 Land $6,160 Building $64,270 | $1,051,288 Land $91,967 Building $959,321 |
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.
FEMA maps place 10157 Stephen Pl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · 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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 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.
Wildfire risk around 10157 Stephen Pl is low, with a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
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 | HIGHLANDS RANCH WSD serves 103,444 people · EPA ID CO0118015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 737 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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