520 N Flat Rock Cir, Aurora, CO 80018 Property Records

Arapahoe County property record for 520 N Flat Rock Cir, Aurora, CO 80018

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,134 sqft · built 2006
Lot Size	0.166 acres (7,231 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Aug 2022)
Tax Bill	$5,671 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1977-07-1-09-003`

Property Details

APN / Parcel Number

Primary APN	`1977-07-1-09-003`
Alternative APNs	`034536388` `34536388` `536388`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,134 sqft Living Area
Gross Area	5,232 sqft
1st Floor Area	1,626 sqft
2nd Floor Area	1,508 sqft
Basement Area	1,234 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,231 sqft (0.166 acres)
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	814 sqft
Driveway	Driveway
Driveway Area	3 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	50 sqft
Deck Area	112 sqft
Patio Area	427 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	034536388
Street Address	520 N FLAT ROCK CIR
City	AURORA
State	CO
Zip	80018-1587
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE470
Legal Description	SUBDIVISIONCD 018131 SUBDIVISIONNAME CROSS CREEK SUB 2ND FLG BLOCK 008 LOT 003 LOT 3 BLK 8 CROSS CREEK SUB 2ND FLG EX M/RS
Legal Range	65W
Legal Township	4S
Legal Section	07
Legal Quarter	1
Legal Subdivision	CROSS CREEK SUB 2ND FLG
Legal Block	008,8
Legal Lot Number	003,3
Jurisdiction	ARAPAHOE CO
Township / Civil Division	EAST ARAPAHOE
Census Block Group	1
Census Block	1018
Census Tract	7110

Owner

520 N Flat Rock Cir is owned and occupied by two individuals who bought it in August 2022.

Source: Arapahoe County records, as of June 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 N FLAT ROCK CIR, AURORA, CO 80018-1587
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 23, 2022	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE WEST
Apr 1, 2022	Trustee's Deed, Foreclosure
Jun 14, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Mar 18, 2022 · Amount on File
Deed Document Number	202288022
Record Updated	Oct 29, 2026

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Aug 23, 2022
Property Address	520 N FLAT ROCK CIR, AURORA, CO 80018-1587
Document Number	00E2088022
Instrument Date	Aug 8, 2022
Instrument	E2088022
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 N FLAT ROCK CIR, AURORA, CO 80018-1587

Mortgage

Document Number	00E2088023
Date	Aug 23, 2022
Instrument	E2088023

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	520 N FLAT ROCK CIR, AURORA, CO 80018-1587
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD 100, 100, REDONDO BEACH, CA 90278-1230

Mortgage

Document Number	00E2038319
Date	Apr 5, 2022
Instrument	E2038319

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SAN RAMON, CA 94583

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Apr 1, 2022
Property Address	520 N FLAT ROCK CIR, AURORA, CO 80018-1587
Document Number	00E2036837
Instrument Date	Apr 1, 2022
Instrument	E2036837
Transaction Type	Foreclosure
Record Updated	Jun 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230
Investor	Possibly a Property Investor

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Jun 14, 2019
Property Address	520 N FLAT ROCK CIR, AURORA, CO 80018-1587
Document Number	00D9056963
Instrument Date	Jun 9, 2019
Instrument	D9056963
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.50
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	520 N FLAT ROCK CIR, AURORA, CO 80018-1587

Mortgage

Document Number	00D9056964
Date	Jun 14, 2019
Instrument	D9056964

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 520 N Flat Rock Cir was $5,671, up 7.2% from the year before.

Source: Arapahoe County assessment roll, as of June 15, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Arapahoe County
Municipality	Aurora City
Unified School District	Adams-Arapahoe School District 28J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,699 (-2.08%)	$616,000 (-) Land $160,000 Building $456,000
2025	$5,671.00 (+7.16%)	$38,500	$616,000 Land $160,000 Building $456,000
2024	$5,292.00
2023		$39,604	$646,100 Land $140,000 Building $506,100
2021	$5,098.00

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 520 N Flat Rock Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 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 7 (15% 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

Wildfire risk around 520 N Flat Rock Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Colorado
Wildfire Likelihood	0.02% 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	CITY OF AURORA serves 533,407 people · EPA ID CO0103005
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	5 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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