532 White Cloud Dr, Highlands Ranch (Littleton), CO 80126 Property Records

Douglas County property record for 532 White Cloud Dr, Highlands Ranch, CO 80126

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,785 sqft · built 1988
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Sep 2019)
Tax Bill	$3,547 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2229-03-1-13-033`

Property Details

APN / Parcel Number

Primary APN	`2229-03-1-13-033`
Alternative APNs	`R0328947` `0328947`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,785 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,416 sqft
Basement Area	384 sqft
Finished Basement	369 sqft
Unfinished Basement	15 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0328947
Street Address	532 WHITE CLOUD DR
City	HIGHLANDS RANCH
State	CO
Zip	80126-2400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDU
Legal Description	LOT 6 BLK 1 HIGHLANDS RANCH #23 .120 AM/L
Legal Range	68W
Legal Township	06S
Legal Section	03
Legal Quarter	NE
Legal Subdivision	HIGHLANDS RANCH
Legal Block	1
Legal Lot Number	6
Jurisdiction	DOUGLAS CO
Township / Civil Division	SEDALIA
Census Block Group	2
Census Block	2002
Census Tract	14107

Owner

532 White Cloud Dr is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	532 WHITE CLOUD DR, HIGHLANDS RANCH, CO 80126-2400
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
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ZENITH HOME LOANS
Sep 18, 2019	Warranty Deed, Transfer · Conventional with PMI ZENITH HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2019 · Amount on File
Deed Sale	Sep 18, 2019 · Amount on File
Prior Sale	Sep 3, 2013 · Amount on File
Deed Document Number	201960645
Prior Transfer Date	Apr 28, 2004
Prior Transfer Doc	0000055616
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	532 WHITE CLOUD DR, HIGHLANDS RANCH, CO 80126-2400
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 WHITE CLOUD DR, HIGHLANDS RANCH, CO 80126-2400

Mortgage

Document Number	0000089989
Date	Jul 28, 2021
Instrument	2021089989

Lender

Name	ZENITH HOME LOANS
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Sep 18, 2019
Property Address	532 WHITE CLOUD DR, HIGHLANDS RANCH, CO 80126-2400
Document Number	0000060645
Instrument Date	Sep 12, 2019
Instrument	60645
Transaction Type	Transfer
Record Updated	Oct 14, 2019
Title Company	HOMESTEAD TITLE AND ESCROW, HOMESTEAD TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 WHITE CLOUD DR HIGHLANDS RANCH CO 801262400, HIGHLANDS RANCH, CO 80126-2400

Mortgage

Document Number	60646
Date	Sep 18, 2019
Instrument	60646

Lender

Name	ZENITH HM LNS
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 532 White Cloud Dr was $3,547, up 8.8% 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		$36,880 (-) Land $9,450 Building $27,430	$542,376 (-) Land $138,940 Building $403,436
2025	$3,547.00 (+8.77%)	$36,880 Land $9,450 Building $27,430	$542,376 Land $138,940 Building $403,436
2024	$3,261.00 (+0.18%)
2023	$3,255.00	$38,290 Land $10,310 Building $27,980	$571,487 Land $153,888 Building $417,599

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 532 White Cloud Dr in Zone X, an area of minimal flood risk.

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

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 532 White Cloud Dr is low, with less than 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 97% of the US · lower than 98.8% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	HIGHLANDS RANCH WSD serves 103,444 people · EPA ID CO0118015
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BAM Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: CenturyLink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on White Cloud Dr

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