1928 Sapling Ct, Castle Rock, CO 80109 Property Records

Douglas County property record for 1928 Sapling Ct, Castle Rock, CO 80109

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,277 sqft · built 2002
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Jul 2019)
Tax Bill	$3,936 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2505-03-2-05-013`

Property Details

APN / Parcel Number

Primary APN	`2505-03-2-05-013`
Alternative APNs	`R0425499` `0425499`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	4,277 sqft Living Area
Gross Area	4,837 sqft
Basement Area	1,460 sqft
Finished Basement	900 sqft
Unfinished Basement	560 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,275 sqft (0.167 acres)
Garage Area	670 sqft
Porch	Porch
Porch Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0425499
Street Address	1928 SAPLING CT
City	CASTLE ROCK
State	CO
Zip	80109-4541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 1 RED HAWK # 2 0.167 AM/L
Legal Range	67W
Legal Township	08S
Legal Section	03
Legal Quarter	NW
Legal Subdivision	RED HAWK
Legal Block	1
Legal Lot Number	11
Jurisdiction	DOUGLAS CO
Township / Civil Division	CASTLE ROCK
Census Block Group	2
Census Block	2029
Census Tract	14410

Owner

1928 Sapling Ct is owned and occupied by two individuals who bought it in July 2019.

Source: Douglas County records, as of June 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1928 SAPLING CT, CASTLE ROCK, CO 80109-4541
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 27, 2021	Deed of Trust, Mortgage · Line of Credit BELLCO CU
Sep 9, 2019	Deed of Trust, Mortgage · Line of Credit BELLCO CU
Jul 19, 2019	Special Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE ALLIANCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Prior Sale	May 28, 2010 · Amount on File
Deed Document Number	201943520
Prior Transfer Date	May 13, 2005
Prior Transfer Doc	0000064171
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	1928 SAPLING CT, CASTLE ROCK, CO 80109-4541
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002591
Date	Jan 11, 2018
Instrument	2018002591

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 3, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	1928 SAPLING CT, CASTLE ROCK, CO 80109-4541
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ASCENDANT TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010251
Date	Jan 26, 2021
Instrument	2021010251

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	1928 SAPLING CT, CASTLE ROCK, CO 80109-4541
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054041
Date	Apr 27, 2021
Instrument	2021054041

Lender

Name	BELLCO CU
Type	Credit Union
Address	ENGLEWOOD, CO 80111

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 21, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	1928 SAPLING CT, CASTLE ROCK, CO 80109-4541
Document Number	0000059786
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1928 SAPLING CT CASTLE ROCK CO 801094541, CASTLE ROCK, CO 80109-4541

Mortgage

Document Number	0000059786
Date	Sep 16, 2019
Instrument	59786

Lender

Name	BELLCO CU
Type	Credit Union
Address	GREENWOOD, CO 80111

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2039

Interest

Rate Type	Adjustable Rate

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Jul 19, 2019
Property Address	1928 SAPLING CT, CASTLE ROCK, CO 80109-4541
Document Number	0000043520
Instrument Date	Jul 9, 2019
Instrument	2019043520
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1928 SAPLING CT, CASTLE ROCK, CO 80109-4541

Mortgage

Document Number	0000043521
Date	Jul 19, 2019
Instrument	2019043521

Lender

Name	HOME MORTGAGE ALLIANCE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1928 Sapling Ct was $3,936, up 2.4% from the year before.

Source: Douglas County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Douglas County
Municipality	Castle Rock Town
Unified School District	Douglas County School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,600 (-) Land $14,750 Building $41,850	$832,313 (-) Land $216,921 Building $615,392
2025	$3,936.00 (+2.39%)	$56,600 Land $14,750 Building $41,850	$832,313 Land $216,921 Building $615,392
2024	$3,844.00 (-1.39%)
2023	$3,898.00	$59,180 Land $12,470 Building $46,710	$883,283 Land $186,069 Building $697,214

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.

Flood

FEMA maps place 1928 Sapling Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1928 Sapling Ct is high, ranking above 80% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 80% of the US · above 83% of Colorado
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CASTLE ROCK serves 110,298 people · EPA ID CO0118010
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Kellin Communications Fixed Wireless	1,000 / 220
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
Xtream Internet Fixed Wireless	300 / 100

May also be available: Aerux Broadband, Verizon.

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