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

Douglas County property record for 644 Ruby Trust Way, Castle Rock, CO 80108

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 7,319 sqft · built 2002
Lot Size	1.16 acres (50,704 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,440,000 (Jun 2018)
Tax Bill	$18,874 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2351-22-3-04-010`

Property Details

APN / Parcel Number

Primary APN	`2351-22-3-04-010`
Alternative APNs	`R0427316` `0427316`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	7,319 sqft Living Area
Gross Area	8,165 sqft
Basement Area	3,006 sqft
Finished Basement	2,160 sqft
Unfinished Basement	846 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	50,704 sqft
Garage Area	834 sqft
Porch	Porch
Porch Area	1,325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R0427316
Street Address	644 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 644 CASTLE PINES VILLAGE #32D. 1.164 AM/L
Legal Range	67W
Legal Township	07S
Legal Section	22
Legal Quarter	SW
Legal Subdivision	CASTLE PINES VILLAGE
Legal Lot Number	644
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	644 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2020	Deed of Trust, Mortgage KEYBANK USA
Jun 22, 2018	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Prior Sale	Jun 27, 2002 · Amount on Record
Deed Document Number	201837605
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS CO
Property Address	644 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803
Document Number	0000075124
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	644 RUBY TRUST WAY CASTLE ROCK CO 801088803, CASTLE ROCK, CO 80108-8803

Mortgage

Document Number	0000075124
Date	Aug 14, 2020
Instrument	75124

Lender

Name	KEYBANK USA
Type	Bank
Address	127 PUBLIC SQ, CLEVELAND, OH 44114-1217

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS CO
Recording Date	Jun 22, 2018
Property Address	644 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803
Document Number	0000037605
Instrument Date	Jun 13, 2018
Instrument	2018037605
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
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	644 RUBY TRUST WAY, CASTLE ROCK, CO 80108-8803

Mortgage

Document Number	0000037606
Date	Jun 22, 2018
Instrument	2018037606

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Mortgage

Document Number	0000037607
Date	Jun 22, 2018
Instrument	2018037607

Lender

Name	CADENCE BANK NA
Type	Bank
Address	HOUSTON, TX 77042

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 18, 2033

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		$163,830 (-) Land $45,860 Building $117,970	$2,409,318 (-) Land $674,485 Building $1,734,833
2025	$18,874.00 (+8.07%)	$163,830 (+6.2%) Land $45,860 Building $117,970	$2,409,318 (+4.64%) Land $674,485 Building $1,734,833
2024	$17,464.00 (-0.8%)
2023	$17,604.00	$154,260 Land $46,520 Building $107,740	$2,302,409 Land $694,295 Building $1,608,114

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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