4538 Ginger Ct, Castle Rock, CO 80109 Property Records

Douglas County property record for 4538 Ginger Ct, Castle Rock, CO 80109

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,002 sqft · built 2005
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Mar 2022)
Tax Bill	$4,454 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jan 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2505-05-1-03-014`

Property Details

APN / Parcel Number

Primary APN	`2505-05-1-03-014`
Alternative APNs	`R0445004` `0445004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,002 sqft Living Area
Gross Area	2,844 sqft
Basement Area	842 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Area	468 sqft
Porch	Porch
Porch Area	203 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0445004
Street Address	4538 GINGER CT
City	CASTLE ROCK
State	CO
Zip	80109-4565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLOCK 9 THE MEADOWS FLG 12 0.13 AM/L
Legal Range	67W
Legal Township	08S
Legal Section	05
Legal Quarter	NE
Legal Subdivision	MEADOWS THE
Legal Block	9
Legal Lot Number	14
Jurisdiction	DOUGLAS CO
Township / Civil Division	CASTLE ROCK
Census Block Group	1
Census Block	1030
Census Tract	14405

Owner

4538 Ginger Ct is owned and occupied by two individuals who bought it in March 2022.

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 File
Mailing Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRSTBANK
Jan 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST WESTERN TRUST BANK
May 28, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	May 28, 2019 · Amount on File
Deed Document Number	202218954
Prior Transfer Date	Mar 14, 2022
Prior Transfer Doc	0000018954
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565

Mortgage

Document Number	0000004385
Date	Jan 19, 2022
Instrument	2022004385

Lender

Name	FIRSTBANK
Type	Bank
Address	LITTLETON, CO 80125

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 4, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006126
Date	Jan 30, 2018
Instrument	2018006126

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565

Mortgage

Document Number	0000088283
Date	Sep 17, 2020
Instrument	2020088283

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Mar 15, 2022
Property Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565
Document Number	0000018954
Instrument Date	Mar 14, 2022
Instrument	2022018954
Transaction Type	Transfer
Record Updated	Feb 19, 2024
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565

Mortgage

Document Number	0000018955
Date	Mar 15, 2022
Instrument	2022018955

Lender

Name	FIRST WESTERN TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	May 28, 2019
Property Address	4538 GINGER CT, CASTLE ROCK, CO 80109-4565
Document Number	0000029133
Instrument Date	May 24, 2019
Instrument	29133
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.10
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	4538 GINGER CT CASTLE ROCK CO 801094565, CASTLE ROCK, CO 80109-4565

Mortgage

Document Number	29134
Date	May 28, 2019
Instrument	29134

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4538 Ginger Ct was $4,454, up 5.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,790 (-) Land $10,690 Building $33,100	$644,037 (-) Land $157,248 Building $486,789
2025	$4,454.00 (+5.55%)	$43,790 Land $10,690 Building $33,100	$644,037 Land $157,248 Building $486,789
2024	$4,220.00 (-0.92%)
2023	$4,259.00	$44,150 Land $9,090 Building $35,060	$659,036 Land $135,744 Building $523,292

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 Ginger Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 4538 Ginger Ct is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 64% of Colorado
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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	TOWN OF CASTLE ROCK serves 110,298 people · EPA ID CO0118010
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 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	2 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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Kellin Communications Fixed Wireless	1,000 / 220
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
Xtream Internet Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Aerux Broadband, Visionary Broadband.

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