20648 E Lake Cir, Centennial (Aurora), CO 80016 Property Records

Arapahoe County property record for 20648 E Lake Cir, Centennial, CO 80016

Property Summary

Property Type	Townhouse
Details	3 bd · 3.5 ba · 1,662 sqft · built 2002
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jun 2021)
Tax Bill	$4,114 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2073-23-2-25-035`

Property Details

APN / Parcel Number

Primary APN	`2073-23-2-25-035`
Alternative APNs	`034154451` `34154451` `154451`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,662 sqft Living Area
Gross Area	3,007 sqft
1st Floor Area	858 sqft
2nd Floor Area	804 sqft
Basement Area	848 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
View / Lot	Private Road
Garage Type	Attached
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	2 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	57 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	034154451
Street Address	20648 E LAKE CIR
City	CENTENNIAL
State	CO
Zip	80016-3888
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	AMU
Legal Description	SUBDIVISIONCD 026152 SUBDIVISIONNAME GREENFIELD 7TH FLG BLOCK 001 LOT 035 LOT 35 BLK 1 GREENFIELD 7TH FLG EX M/RS
Legal Range	66W
Legal Township	5S
Legal Section	23
Legal Quarter	2
Legal Subdivision	GREENFIELD 7TH FLG
Legal Block	001,1
Legal Lot Number	35
Jurisdiction	ARAPAHOE CO
Township / Civil Division	SOUTH AURORA
Census Block Group	2
Census Block	2005
Census Tract	85200

Owner

Source: Arapahoe County assessment roll, as of June 15, 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 File
Mailing Address	20648 E LAKE CIR, CENTENNIAL, CO 80016-3888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage NBH BANK NA
Nov 13, 2018	Warranty Deed, Transfer · Conventional Mortgage NBH BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 2, 2021 · Amount on Record
Deed Sale	Jun 2, 2021 · Amount on Record
Prior Sale	Nov 13, 2018 · Amount on Record
Deed Document Number	202188045
Prior Transfer Date	Mar 18, 2013
Prior Transfer Doc	0000044607
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Jun 2, 2021
Property Address	20648 E LAKE CIR, CENTENNIAL, CO 80016-3888
Document Number	00E1088045
Instrument Date	May 28, 2021
Instrument	E1088045
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$45.50
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	20648 E LAKE CIR, CENTENNIAL, CO 80016-3888

Mortgage

Document Number	00E1088046
Date	Jun 2, 2021
Instrument	E1088046

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	20648 E LAKE CIR, CENTENNIAL, CO 80016-3888
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0127124
Date	Sep 23, 2020
Instrument	E0127124

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	20648 E LAKE CIR, CENTENNIAL, CO 80016-3888
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00D9080984
Date	Aug 12, 2019
Instrument	D9080984

Lender

Name	NBH BANK NA
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Nov 13, 2018
Property Address	20648 E LAKE CIR, CENTENNIAL, CO 80016-3888
Document Number	00D8111240
Instrument Date	Nov 5, 2018
Instrument	D8111240
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$35.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20648 E LAKE CIR, CENTENNIAL, CO 80016-3888

Mortgage

Document Number	00D8111241
Date	Nov 13, 2018
Instrument	D8111241

Lender

Name	NBH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Arapahoe County assessment roll, as of June 15, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Arapahoe County
Municipality	Centennial City
Unified School District	Cherry Creek School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$31,096 (-2.08%)	$508,100 (-) Land $154,000 Building $354,100
2025	$4,114.00 (-1.01%)	$31,756 (-1.91%)	$508,100 (-5.59%) Land $154,000 Building $354,100
2024	$4,156.00 (+18.54%)
2023		$32,374	$538,200 Land $132,000 Building $406,200
2021	$3,506.00

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

Source: FEMA National Flood Hazard Layer, effective October 2, 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
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2013 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

Water System	EAST CHERRY CREEK VALLEY WSD serves 66,130 people · EPA ID CO0103035
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	Under 1 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	4 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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber Fiber	1,000 / 1,000
Windfield Enterprises Fixed Wireless	1,000 / 220
BAM Broadband OpCo Fixed Wireless · not low latency	1,000 / 100
Lumen Technologies DSL · Fiber in parts of the area	140 / 20
Aerux Fixed Wireless	100 / 100
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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