21028 E Saratoga Ave, Aurora, CO 80015 Property Records

Arapahoe County property record for 21028 E Saratoga Ave, Aurora, CO 80015 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,299 sqft · built 2016
Lot Size	0.228 acres (9,932 sqft)
Owner	2 Individual Names on File
Last Sale	$737,250 (Sep 2025)
Tax Bill	$6,726 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`2073-11-4-10-012`

Property Details

APN / Parcel Number

Primary APN	`2073-11-4-10-012`
Alternative APNs	`034759964` `34759964` `759964`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,299 sqft Living Area
Gross Area	5,587 sqft
1st Floor Area	1,509 sqft
2nd Floor Area	1,653 sqft
Basement Area	1,509 sqft
Finished Basement	1,137 sqft
Unfinished Basement	372 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	9,932 sqft (0.228 acres)
Garage Type	Attached
Garage Area	726 sqft
Driveway	Driveway
Driveway Area	2 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	262 sqft
Patio Area	117 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	034759964
Street Address	21028 E SARATOGA AVE
City	AURORA
State	CO
Zip	80015-3428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONCD 017486 SUBDIVISIONNAME COPPERLEAF 2ND FLG BLOCK 007 LOT 012 LOT 12 BLK 7 COPPERLEAF 2ND FLG EX M/RS
Legal Range	66W
Legal Township	5S
Legal Section	11
Legal Quarter	4
Legal Subdivision	COPPERLEAF 2ND FLG
Legal Block	007,7
Legal Lot Number	12
Jurisdiction	ARAPAHOE CO
Township / Civil Division	SOUTH AURORA
Census Block Group	1
Census Block	1035
Census Tract	85900

Owner

Source: Arapahoe County records · APN 2073-11-4-10-012

Assessment roll updated 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	21028 E SARATOGA AVE, AURORA, CO 80015-3428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit ENT CU
Sep 26, 2025	Warranty Deed, Transfer · Conventional Mortgage XPERT HOME LENDING INC
Mar 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Jul 13, 2018	Deed of Trust, Mortgage · Line of Credit BELLCO CU
Jul 06, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Prior Sale	Jul 06, 2017 · Amount on Record
Deed Document Number	202569182
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428

Mortgage

Document Number	00E1008482
Date	Jan 19, 2021
Instrument	E1008482

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E2121216
Date	Dec 28, 2022
Instrument	E2121216

Lender

Name	ENT CU
Type	Credit Union
Address	COLORADO SPRINGS, CO 80921

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Sep 26, 2025
Property Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428
Document Number	00E5069182
Instrument Date	Sep 25, 2025
Instrument	E5069182
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	HOMESTEAD TITLE AND ESCROW, HOMESTEAD TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$73.73
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	21028 E SARATOGA AVE, AURORA, CO 80015-3428

Mortgage

Document Number	00E5069183
Date	Sep 26, 2025
Instrument	E5069183

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0027002
Date	Mar 03, 2020
Instrument	E0027002

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428
Document Number	00D8071250
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 03, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21028 E SARATOGA AVE AURORA CO 800153428, AURORA, CO 80015-3428

Mortgage

Document Number	00D8071250
Date	Jul 19, 2018
Instrument	D8071250

Lender

Name	BELLCO CU
Type	Credit Union
Address	GREENWOOD, CO 80111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 18, 2038

Interest

Rate Type	Adjustable Rate

July 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Jul 06, 2017
Property Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428
Document Number	00D7075491
Instrument Date	Jun 29, 2017
Instrument	D7075491
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$52.99
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4350 S MONACO ST, 4350, DENVER, CO 80237-3400

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	21028 E SARATOGA AVE, AURORA, CO 80015-3428

Mortgage

Document Number	00D7075492
Date	Jul 06, 2017
Instrument	D7075492

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: Arapahoe County records · Assessment roll updated June 15, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Arapahoe County
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		$46,553 (-1.29%)	$754,600 (-) Land $153,000 Building $601,600
2025	$6,726.00 (+2.78%)	$47,163 (-4.85%)	$754,600 (-5.06%) Land $153,000 Building $601,600
2024	$6,544.00 (+4.8%)	$49,566 (-)	$794,800 (-) Land $163,200 Building $631,600
2023	$6,244.00 (+15.48%)	$49,566	$794,800 Land $163,200 Building $631,600
2021	$5,407.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Arapahoe County (08005C), updated October 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080050859001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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, availability as of December 31, 2025 · Published October 2026 · based on 690 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250
Ting Fiber	Fiber	1,000 / 1,000

May also be available at this address: Aerux, BAM Broadband OpCo, Lumen Technologies, Windfield Enterprises, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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