20678 E Lake Cir, Centennial (Aurora), CO 80016 Property Records

Arapahoe County property record for 20678 E Lake Cir, Centennial, CO 80016

Property Summary

Property Type	Townhouse
Details	2 bd · 4.5 ba · 2,989 sqft · built 2002
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Sep 2025)
Tax Bill	$4,849 (2025)
Deeds & Mortgages	May 2022 Construction Loan Sep 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`2073-23-2-25-038`

Property Details

APN / Parcel Number

Primary APN	`2073-23-2-25-038`
Alternative APNs	`034154485` `34154485` `154485`

Interior

Bedrooms	2 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,989 sqft Living Area
Gross Area	3,644 sqft
1st Floor Area	1,281 sqft
2nd Floor Area	505 sqft
Basement Area	1,266 sqft
Finished Basement	1,203 sqft
Unfinished Basement	63 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	4,356 sqft (0.1 acres)
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	454 sqft
Driveway	Driveway
Driveway Area	2 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	138 sqft
Deck Area	108 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	034154485
Street Address	20678 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 038 LOT 38 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	38
Jurisdiction	ARAPAHOE CO
Township / Civil Division	SOUTH AURORA
Census Block Group	2
Census Block	2005
Census Tract	85200

Owner

Source: Arapahoe County assessment roll, APN 2073-23-2-25-038, as of June 15, 2026 · Last verified June 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	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Construction Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC
Sep 23, 2025	Warranty Deed, Transfer · Conventional Mortgage WESTERRA CU
Jun 23, 2023	Special Warranty Deed, Transfer · VA Mortgage NOVUS HOME MORTGAGE
Jan 03, 2019	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 01, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Aug 24, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Jun 23, 2023 · Amount on Record
Deed Document Number	202568137
Prior Transfer Date	Jan 20, 2012
Prior Transfer Doc	0000016362
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20687 E LAKE CIR, CENTENNIAL, CO 80016-3888

Mortgage

Document Number	00E2052076
Date	May 10, 2022
Instrument	E2052076

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS INC
Type	Non-Lending Institution
Address	NEW YORK, NY 10016

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Sep 23, 2025
Property Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Document Number	00E5068137
Instrument Date	Sep 19, 2025
Instrument	E5068137
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$62.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888

Mortgage

Document Number	00E5068138
Date	Sep 23, 2025
Instrument	E5068138

Lender

Name	WESTERRA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2045

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Jun 23, 2023
Property Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Document Number	00E3042376
Instrument Date	Jun 22, 2023
Instrument	E3042376
Transaction Type	Transfer
Record Updated	Oct 02, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$60.50
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	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888

Mortgage

Document Number	00E3042377
Date	Jun 23, 2023
Instrument	E3042377

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00D9000524
Date	Jan 03, 2019
Instrument	D9000524

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0114180
Date	Sep 01, 2020
Instrument	E0114180

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Document Number	00D9089464
Instrument Date	Aug 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20678 E LAKE CIR CENTENNIAL CO 800163888, CENTENNIAL, CO 80016-3888

Mortgage

Document Number	00D9089464
Date	Aug 30, 2019
Instrument	D9089464

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Jun 29, 2018
Property Address	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888
Document Number	00D8063523
Instrument Date	Jun 28, 2018
Instrument	D8063523
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$43.00
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	20678 E LAKE CIR, CENTENNIAL, CO 80016-3888

Mortgage

Document Number	00D8063524
Date	Jun 29, 2018
Instrument	D8063524

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2048

Tax Assessment & Valuation

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,891 (-2.08%)	$602,800 (-) Land $140,000 Building $462,800
2025	$4,849.00 (+1.89%)	$37,675 (+1.12%)	$602,800 (-1.36%) Land $140,000 Building $462,800
2024	$4,759.00 (+10.14%)	$37,259 (-)	$611,100 (-) Land $180,000 Building $431,100
2023	$4,321.00 (+10.48%)	$37,259 (+17.77%)	$611,100 (+34.25%) Land $180,000 Building $431,100
2022	$3,911.00 (+0.67%)	$31,636	$455,200 Land $114,000 Building $341,200
2021	$3,885.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Arapahoe County (08005C), as of October 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080050852002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 446 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CO0103035, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EAST CHERRY CREEK VALLEY WSD serves 66,130 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

20678 E Lake Cir, Centennial (Aurora), CO 80016 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2023: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on E Lake Cir

Nearby Streets

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