4538 COPELAND LOOP UNIT 204, 204, HIGHLANDS RANCH, CO 80126-7455
Transaction Type
Mortgage
Record Updated
Feb 19, 2024
Title Company
LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000014093
Date
Feb 24, 2022
Instrument
2022014093
Lender
Name
COLORADO HOUSING & FINANCE AUTHORITY
Type
Government Agency
Address
DENVER, CO 80202
Agreement
Type
Second Mortgage (Down Payment)
Amount
Amount on Record
Term
361 Months
Due
Mar 1, 2052
February 2022: Deed, Transfer
Document Type
Deed
Jurisdiction
DOUGLAS CO
Recording Date
Feb 24, 2022
Property Address
4538 COPELAND LOOP UNIT 204, 204, HIGHLANDS RANCH, CO 80126-7455
Document Number
0000014091
Map Reference
DOC 2005075996
Instrument Date
Feb 11, 2022
Instrument
2022014091
Transaction Type
Transfer
Record Updated
May 25, 2026
Title Company
LAND TITLE GUARANTEE COMPANY
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$39.50
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
4538 COPELAND LOOP UNIT 204, 204, HIGHLANDS RANCH, CO 80126-7455
Mortgage
Document Number
0000014092
Date
Feb 24, 2022
Instrument
2022014092
Lender
Name
GUARANTEED RATE AFFINITY LLC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Mar 1, 2052
Mortgage
Document Number
0000014093
Date
Feb 24, 2022
Instrument
2022014093
Lender
Name
COLORADO HOUSING & FINANCE AUTHORITY
Type
Government Agency
Address
DENVER, CO 80202
Agreement
Type
Second Mortgage (Down Payment)
Amount
Amount on Record
Term
361 Months
Due
Mar 1, 2052
September 2018: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
DOUGLAS CO
Recording Date
Sep 26, 2018
Property Address
4538 COPELAND LOOP UNIT 204, 204, HIGHLANDS RANCH, CO 80126-7455
Document Number
0000058757
Map Reference
DOC2005089456
Instrument Date
Sep 25, 2018
Instrument
2018058757
Transaction Type
Transfer
Record Updated
Jan 14, 2022
Title Company
FIRST INTEGRITY TITLE
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$29.89
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
4538 COPELAND LOOP UNIT 204, 204, HIGHLANDS RANCH, CO 80126-7455
Mortgage
Document Number
0000058758
Date
Sep 26, 2018
Instrument
2018058758
Lender
Name
BEAR MORTGAGE INC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Oct 1, 2048
Tax Assessment & Valuation
The 2025 property tax bill for 4538 Copeland Loop, Unit 204 was $2,886, up 13.7% 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 (+13.67%)
$27,630Building $27,630
$406,311Building $406,311
2024
$2,539.00 (-0.94%)
2023
$2,563.00
$28,070Building $28,070
$419,000Building $419,000
2021
$2,242.00
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
FEMA maps place 4538 Copeland Loop, Unit 204 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 204 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