Douglas County property record for 10187 Stephen Pl, Highlands Ranch, CO 80130
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,246 sqft · built 1995 |
| Lot Size | 0.291 acres (12,676 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $500,000 (Aug 2016) |
| Tax Bill | $6,515 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2231-18-1-03-022 |
| Primary APN | 2231-18-1-03-022 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,246 sqft Living Area |
| Gross Area | 5,030 sqft |
| Basement Area | 1,784 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 | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,676 sqft (0.291 acres) |
| Garage Area | 877 sqft |
| Porch | Porch |
| Porch Area | 746 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R0379672 |
|---|---|
| Street Address | 10187 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 69 HIGHLANDS RANCH #117-B .291 AM/L |
| Legal Range | 67W |
| Legal Township | 06S |
| Legal Section | 18 |
| Legal Quarter | NE |
| Legal Subdivision | HIGHLANDS RANCH |
| Legal Block | 291 |
| Legal Lot Number | 69 |
| Jurisdiction | DOUGLAS CO |
| Township / Civil Division | SEDALIA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 14143 |
Source: Douglas County records, as of June 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10187 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 5, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Oct 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Sep 25, 2020 | Loan Modification, Mortgage · Line of Credit US BK |
| Oct 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2016 · Amount on Record |
| Deed Sale | Aug 4, 2016 · Amount on Record |
| Prior Sale | Nov 26, 2012 · Amount on Record |
| Deed Document Number | 201651885 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10187 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000083171 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | 2019083171 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 9, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10187 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FITCO |
| Name | Verified Name |
|---|
| Document Number | 0000097510 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 2020097510 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10187 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Document Number | 0000097511 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | LAND TITLE GUARANTEE |
| Name | Verified Name |
|---|---|
| Address | 10187 STEPHEN PL HIGHLANDS RANCH CO 801308018, HIGHLANDS RANCH, CO 80130-8018 |
| Document Number | 0000097511 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 97511 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 6, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10187 STEPHEN PL, HIGHLANDS RANCH, CO 80130-8018 |
| Document Number | 0000068330 |
| Instrument Date | Oct 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 10187 STEPHEN PL HIGHLANDS RANCH CO 801308018, HIGHLANDS RANCH, CO 80130-8018 |
| Document Number | 0000068330 |
|---|---|
| Date | Oct 15, 2019 |
| Instrument | 68330 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2049 |
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 | $67,730 (-) Land $14,490 Building $53,240 | $996,065 (-) Land $213,063 Building $783,002 | |
| 2025 | $6,515.00 (+7.15%) | $67,730 (-0.7%) Land $14,490 Building $53,240 | $996,065 (-2.15%) Land $213,063 Building $783,002 |
| 2024 | $6,080.00 (+0.16%) | ||
| 2023 | $6,070.00 | $68,210 Land $14,780 Building $53,430 | $1,018,000 Land $220,594 Building $797,406 |
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 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.
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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