516 Gardner St, Castle Rock, CO 80104 Property Records

Douglas County property record for 516 Gardner St, Castle Rock, CO 80104

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,532 sqft · built 2005
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$635,000 (Jun 2026)
Tax Bill	$4,009 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2507-09-3-07-014`

Property Details

APN / Parcel Number

Primary APN	`2507-09-3-07-014`
Alternative APNs	`R0443628` `0443628`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	3,398 sqft
Basement Area	866 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/Hip
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Garage Area	541 sqft
Porch	Porch
Porch Area	175 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0443628
Street Address	516 GARDNER ST
City	CASTLE ROCK
State	CO
Zip	80104-5296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLOCK 7 CASTLEWOOD RANCH FILING #2 PARCEL 1 0.225 AML
Legal Range	66W
Legal Township	08S
Legal Section	09
Legal Quarter	SW
Legal Subdivision	CASTLEWOOD RANCH
Legal Block	7
Legal Lot Number	14
Jurisdiction	DOUGLAS CO
Township / Civil Division	PARKER
Census Block Group	2
Census Block	2022
Census Tract	14604

Owner

Source: Douglas County records, as of July 14, 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	Individual Name on File
Mailing Address	516 GARDNER ST, CASTLE ROCK, CO 80104-5296
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Special Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
Mar 9, 2021	Special Warranty Deed, Transfer · Conventional Mortgage NBH BANK NA
Apr 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Prior Sale	Mar 9, 2021 · Amount on File
Deed Document Number	202630212
Record Updated	Oct 29, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Jun 16, 2026
Property Address	516 GARDNER ST, CASTLE ROCK, CO 80104-5296
Document Number	0000030212
Instrument Date	Jun 15, 2026
Instrument	202630212
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,413.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	516 GARDNER ST, CASTLE ROCK, CO 80104-5296

Mortgage

Document Number	0000030213,
Date	Jun 16, 2026
Instrument	202630213

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Mar 9, 2021
Property Address	516 GARDNER ST, CASTLE ROCK, CO 80104-5296
Document Number	0000030964
Instrument Date	Mar 5, 2021
Instrument	2021030964
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.20
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	516 GARDNER ST, CASTLE ROCK, CO 80104-5296

Mortgage

Document Number	0000030965
Date	Mar 9, 2021
Instrument	2021030965

Lender

Name	NBH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	516 GARDNER ST, CASTLE ROCK, CO 80104-5296
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL 1 SOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018370
Date	Apr 9, 2019
Instrument	2019018370

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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		$41,220 (-) Land $12,150 Building $29,070	$606,265 (-) Land $178,692 Building $427,573
2025	$4,009.00 (-0.6%)	$41,220 (-6.85%) Land $12,150 Building $29,070	$606,265 (-8.22%) Land $178,692 Building $427,573
2024	$4,033.00 (-0.96%)
2023	$4,072.00 (+16.94%)	$44,250 Land $10,190 Building $34,060	$660,538 Land $152,122 Building $508,416
2021	$3,482.00

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

Source: FEMA National Flood Hazard Layer, effective June 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 69% of the US · above 64% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 241 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
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Aerux Broadband, Verizon.

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