640 Ruby Trust Way, Castle Rock, CO 80108 Property Records

Douglas County property record for 640 Ruby Trust Way, Castle Rock, CO 80108

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,866 sqft · built 2002
Lot Size	0.648 acres (28,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,110,000 (Nov 2015)
Tax Bill	$14,975 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2351-22-3-04-006`

Property Details

APN / Parcel Number

Primary APN	`2351-22-3-04-006`
Alternative APNs	`R0427312` `0427312`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	5,866 sqft Living Area
Gross Area	6,259 sqft
Basement Area	2,276 sqft
Finished Basement	1,883 sqft
Unfinished Basement	393 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	28,227 sqft (0.648 acres)
Garage Area	848 sqft
Porch	Porch
Porch Area	885 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0427312
Street Address	640 RUBY TRUST WAY
City	CASTLE ROCK
State	CO
Zip	80108-8803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDU
Legal Description	LOT 640 CASTLE PINES VILLAGE #32D. 0.648 AM/L
Legal Range	67W
Legal Township	07S
Legal Section	22
Legal Quarter	SW
Legal Subdivision	CASTLE PINES VILLAGE
Legal Lot Number	640
Jurisdiction	DOUGLAS CO
Township / Civil Division	SEDALIA
Census Block Group	1
Census Block	1003
Census Tract	14123

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	640 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
May 6, 2020	Deed of Trust, Mortgage CALIBER HM LOANS
Jun 28, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2015 · Amount on Record
Deed Sale	Nov 25, 2015 · Amount on Record
Prior Sale	Nov 21, 2011 · Amount on Record
Deed Document Number	201584675
Prior Transfer Date	Nov 23, 2010
Prior Transfer Doc	0000085366
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	640 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	HERITAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000133160
Date	Dec 1, 2021
Instrument	2021133160

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	640 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803
Document Number	0000039001
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	COLORADO ESCROW AND TITLE, COLORADO ESCROW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 RUBY TRUST WAY CASTLE ROCK CO 801088803, CASTLE ROCK, CO 80108-8803

Mortgage

Document Number	0000039001
Date	May 11, 2020
Instrument	39001

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	640 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803
Document Number	0000046980
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 RUBY TRUST WAY CASTLE ROCK CO 801088803, CASTLE ROCK, CO 80108-8803

Mortgage

Document Number	0000046980
Date	Jul 11, 2017
Instrument	46980

Lender

Name	BANK OF THE WEST
Type	Bank
Address	LONE TREE, CO 80124-5527

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$129,990 (-) Land $36,110 Building $93,880	$1,911,605 (-) Land $530,993 Building $1,380,612
2025	$14,975.00 (+9.57%)	$129,990 (+6.96%) Land $36,110 Building $93,880	$1,911,605 (+5.39%) Land $530,993 Building $1,380,612
2024	$13,667.00 (-0.79%)
2023	$13,776.00 (+20.5%)	$121,530 (+20.24%) Land $35,260 Building $86,270	$1,813,878 (+24.73%) Land $526,313 Building $1,287,565
2022	$11,432.00	$101,070 Land $21,760 Building $79,310	$1,454,248 Land $313,090 Building $1,141,158

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 · 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	7 in force
Nearby Flood Claims	3 (2012–2023)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2023

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of Colorado
Wildfire Likelihood	0.06% 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	CASTLE PINES VILLAGE MD serves 5,656 people · EPA ID CO0118005
Water Source	Groundwater
Last State Inspection	Feb 2022
Lead	2 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	1 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	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
T-Mobile Fixed Wireless	100 / 20

May also be available: Aerux Broadband, Verizon.

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