4538 Copeland Loop, Unit 102, Highlands Ranch (Littleton), CO 80126 Property Records

Douglas County property record for 4538 Copeland Loop, Unit 102, Highlands Ranch, CO 80126

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,173 sqft · built 2006
Owner	Individual Name on File
Tax Bill	$2,886 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2231-06-2-03-022`

Property Details

APN / Parcel Number

Primary APN	`2231-06-2-03-022`
Alternative APNs	`R0463786` `0463786`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,173 sqft Living Area
1st Floor Area	1,173 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Garage Area	220 sqft
Porch	Porch
Porch Area	127 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0463786
Street Address	4538 COPELAND LOOP, 102
City	HIGHLANDS RANCH
State	CO
Zip	80126-7455
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PDU
Legal Description	UNIT 102 BLDG 22 SHADOW CANYON CONDOS PHASE 22
Legal Range	67W
Legal Township	06S
Legal Section	06
Legal Quarter	NW
Legal Subdivision	SHADOW CANYON CONDOS
Legal Phase	22
Legal Block	22
Legal Lot Number	102
Jurisdiction	DOUGLAS CO
Township / Civil Division	SEDALIA
Census Block Group	1
Census Block	1008
Census Tract	14139

Owner

4538 Copeland Loop, Unit 102 is owned and occupied by an individual who acquired it in December 2008.

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

Owner of Record	Individual Name on File
Mailing Address	4538 COPELAND LOOP, 102, HIGHLANDS RANCH, CO 80126-7455
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
Feb 16, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage UNIVERSAL LNDG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2008
Deed Sale	Dec 2, 2008
Prior Sale	Jun 14, 2006 · Amount on File
Deed Document Number	200881244
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	4538 COPELAND LOOP UNIT 102, 102, HIGHLANDS RANCH, CO 80126-7455
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012136
Date	Feb 16, 2022
Instrument	2022012136

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Dec 16, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Jul 29, 2020
Property Address	4538 COPELAND LOOP UNIT 102, 102, HIGHLANDS RANCH, CO 80126-7455
Document Number	0000068565
Instrument Date	Jul 29, 2020
Instrument	68565
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 COPELAND LOOP #102 HIGHLANDS RANCH CO 801267455, 102, HIGHLANDS RANCH, CO 80126-7455

Mortgage

Document Number	68566
Date	Jul 29, 2020
Instrument	68566

Lender

Name	UNIVERSAL LNDG CORP
Address	DENVER, CO 80224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4538 Copeland Loop, Unit 102 was $2,886, up 13% from the year before.

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		$27,630 (-) Building $27,630	$406,311 (-) Building $406,311
2025	$2,886.00 (+13.04%)	$27,630 Building $27,630	$406,311 Building $406,311
2024	$2,553.00 (-0.89%)
2023	$2,576.00	$28,210 Building $28,210	$421,000 Building $421,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4538 Copeland Loop, Unit 102 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2016 · other causes

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

Wildfire risk around 4538 Copeland Loop, Unit 102 is low, with a 0.01% annual chance of 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	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	NORTHERN DOUGLAS COUNTY WSD serves 6,160 people · EPA ID CO0118016
Water Source	Purchased surface water from HIGHLANDS RANCH WSD
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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