Douglas County property record for 10686 Cedarcrest Cir, Highlands Ranch, CO 80130
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,844 sqft · built 2006 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $361,446 (Dec 2006) |
| Tax Bill | $4,691 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2231-18-4-18-004 |
| Primary APN | 2231-18-4-18-004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,844 sqft Living Area |
| Gross Area | 2,881 sqft |
| Basement Area | 730 sqft |
| Finished Basement | 693 sqft |
| Unfinished Basement | 37 sqft |
| Flooring | Covered |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Area | 464 sqft |
| Porch | Porch |
| Porch Area | 277 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R0444724 |
|---|---|
| Street Address | 10686 CEDARCREST CIR |
| City | HIGHLANDS RANCH |
| State | CO |
| Zip | 80130-8939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDU |
| Legal Description | LOT 433 HIGHLANDS RANCH 122V 0.130 AM/L |
| Legal Range | 67W |
| Legal Township | 06S |
| Legal Section | 18 |
| Legal Quarter | SE |
| Legal Subdivision | HIGHLANDS RANCH |
| Legal Block | 1 |
| Legal Lot Number | 433 |
| Jurisdiction | DOUGLAS CO |
| Township / Civil Division | SEDALIA |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 14143 |
10686 Cedarcrest Cir is owned and occupied by two individuals who acquired it in July 2024.
Source: Douglas County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10686 CEDARCREST CIR, HIGHLANDS RANCH, CO 80130-8939 |
| 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 |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · Line of Credit BELLCO CU |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2006 · Amount on File |
| Deed Sale | Dec 22, 2006 · Amount on File |
| Deed Document Number | 2006108909 |
| Last Transfer Date | Jul 26, 2024 |
| Transfer Doc | 0000030989 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10686 CEDARCREST CIR, HIGHLANDS RANCH, CO 80130-8939 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000034008 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 2021034008 |
| Name | BELLCO CU |
|---|---|
| Type | Credit Union |
| Address | ENGLEWOOD, CO 80111 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 8, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 10686 CEDARCREST CIR, HIGHLANDS RANCH, CO 80130-8939 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FITCO |
| Name | Verified Name |
|---|
| Document Number | 0000116920 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 2020116920 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 10686 Cedarcrest Cir was $4,691, up 4.2% 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 | $48,780 (-) Land $8,770 Building $40,010 | $717,367 (-) Land $129,021 Building $588,346 | |
| 2025 | $4,691.00 (+4.24%) | $48,780 Land $8,770 Building $40,010 | $717,367 Land $129,021 Building $588,346 |
| 2024 | $4,500.00 (+0.18%) | ||
| 2023 | $4,492.00 | $51,440 Land $9,600 Building $41,840 | $767,725 Land $143,285 Building $624,440 |
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 10686 Cedarcrest Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 10686 Cedarcrest Cir 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 | None beyond ember reach |
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 638 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 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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