322 Mountain Cloud Cir, Highlands Ranch (Littleton), CO 80126 Property Records

Douglas County property record for 322 Mountain Cloud Cir, Highlands Ranch, CO 80126

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,658 sqft · built 1981
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Apr 2025)
Tax Bill	$3,792 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2229-03-4-10-002`

Property Details

APN / Parcel Number

Primary APN	`2229-03-4-10-002`
Alternative APNs	`R0250122` `0250122`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,658 sqft Living Area
Gross Area	2,143 sqft
1st Floor Area	1,658 sqft
Basement Area	485 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2015
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Area	506 sqft
Porch	Porch
Porch Area	323 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0250122
Street Address	322 MOUNTAIN CLOUD CIR
City	HIGHLANDS RANCH
State	CO
Zip	80126-2263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDU
Legal Description	LOT 27 BLOCK 9 HIGHLANDS RANCH # 1 REPLAT 0.169 AM/L
Legal Range	68W
Legal Township	06S
Legal Section	03
Legal Quarter	SE
Legal Subdivision	HIGHLANDS RANCH
Legal Block	9
Legal Lot Number	27
Jurisdiction	DOUGLAS CO
Township / Civil Division	SEDALIA
Census Block Group	1
Census Block	1003
Census Tract	14108

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	322 MOUNTAIN CLOUD CIR, HIGHLANDS RANCH, CO 80126-2263
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY
Jan 23, 2019	Warranty Deed, Transfer · Conventional with PMI BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2025 · Amount on Record
Deed Sale	Apr 21, 2025 · Amount on Record
Prior Sale	Jan 23, 2019 · Amount on Record
Deed Document Number	202517285
Prior Transfer Date	Oct 17, 2008
Prior Transfer Doc	0000071436
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	322 MOUNTAIN CLOUD CIR, HIGHLANDS RANCH, CO 80126-2263
Document Number	0000022729
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 MOUNTAIN CLOUD CIR HIGHLANDS RANCH CO 801262263, HIGHLANDS RANCH, CO 80126-2263

Mortgage

Document Number	0000022729
Date	Mar 26, 2020
Instrument	22729

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 25, 2035

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Jan 23, 2019
Property Address	322 MOUNTAIN CLOUD CIR, HIGHLANDS RANCH, CO 80126-2263
Document Number	0000003451
Instrument Date	Jan 22, 2019
Instrument	3451
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	MERIDIAN TITLE AND ESCROW LLC, MERIDIAN TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 MOUNTAIN CLOUD CIR HIGHLANDS RANCH CO 801262263, HIGHLANDS RANCH, CO 80126-2263

Mortgage

Document Number	3452
Date	Jan 23, 2019
Instrument	3452

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,440 (-) Land $9,850 Building $29,590	$579,971 (-) Land $144,868 Building $435,103
2025	$3,792.00 (+5.07%)	$39,440 (-6.05%) Land $9,850 Building $29,590	$579,971 (-7.45%) Land $144,868 Building $435,103
2024	$3,609.00 (+0.17%)
2023	$3,603.00	$41,980 Land $10,560 Building $31,420	$626,645 Land $157,674 Building $468,971

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 June 4, 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	1 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% of Colorado
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BAM Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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