Douglas County property record for 10178 Stephen Pl, Highlands Ranch, CO 80130
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,525 sqft · built 1995 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $690,000 (Jun 2019) |
| Tax Bill | $6,378 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2231-17-2-15-001 |
| Primary APN | 2231-17-2-15-001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,525 sqft Living Area |
| Gross Area | 4,198 sqft |
| Basement Area | 1,509 sqft |
| Finished Basement | 836 sqft |
| Unfinished Basement | 673 sqft |
| Flooring | Covered |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,021 sqft (0.253 acres) |
| Garage Area | 940 sqft |
| Porch | Porch |
| Porch Area | 413 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R0379675 |
|---|---|
| Street Address | 10178 STEPHEN PL |
| City | HIGHLANDS RANCH |
| State | CO |
| Zip | 80130-8018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDU |
| Legal Description | LOT 72 HIGHLANDS RANCH #117-B .253 AM/L |
| Legal Range | 67W |
| Legal Township | 06S |
| Legal Section | 17 |
| Legal Quarter | NW |
| Legal Subdivision | HIGHLANDS RANCH |
| Legal Block | 253 |
| Legal Lot Number | 72 |
| Jurisdiction | DOUGLAS CO |
| Township / Civil Division | SEDALIA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 14143 |
10178 Stephen Pl is owned and occupied by two individuals who bought it in June 2019.
Source: Douglas County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10178 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jun 10, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage ONE AMERICAN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2019 · Amount on File |
| Deed Sale | Jun 10, 2019 · Amount on File |
| Prior Sale | Aug 25, 2004 · Amount on File |
| Deed Document Number | 201932857 |
| Prior Transfer Date | Aug 10, 2005 |
| Prior Transfer Doc | 0000085860 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10178 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Document Number | 0000051702 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2019 |
| Title Company | LAND TITLE GUARANTEE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10178 STEPHEN PL HIGHLANDS RANCH CO 801308018, HIGHLANDS RANCH, CO 80130-8018 |
| Document Number | 0000051702 |
|---|---|
| Date | Aug 20, 2019 |
| Instrument | 51702 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 19, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Jun 10, 2019 |
| Property Address | 10178 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Document Number | 0000032857 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 2019032857 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 10178 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Investor | Possibly a Property Investor |
| Document Number | 0000032859 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 2019032859 |
| Name | ONE AMERICAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 10178 Stephen Pl was $6,378, up 10.2% 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 | $66,320 (-) Land $13,680 Building $52,640 | $975,213 (-) Land $201,107 Building $774,106 | |
| 2025 | $6,378.00 (+10.16%) | $66,320 Land $13,680 Building $52,640 | $975,213 Land $201,107 Building $774,106 |
| 2024 | $5,790.00 (+0.17%) | ||
| 2023 | $5,780.00 | $65,120 Land $14,100 Building $51,020 | $972,000 Land $210,445 Building $761,555 |
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 10178 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 10178 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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