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645 Gardner St, Castle Rock, CO 80104 Property Records

Douglas County property record for 645 Gardner St, Castle Rock, CO 80104

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,446 sqft · built 2004
Lot Size0.225 acres (9,801 sqft)
Owner2 Individual Names on Record
Last Sale$428,000 (Aug 2020)
Tax Bill$3,860 (2025)
Deeds & MortgagesAug 2020 Sale & Mortgage
Aug 2020 Transfer
Flood ZoneZone X (minimal risk)
APN2507-09-3-06-007

Property Details

APN / Parcel Number

Primary APN2507-09-3-06-007
Alternative APNs
  • R0443607
  • 0443607

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Stories2 Stories
Building Area2,446 sqft Living Area
Gross Area2,990 sqft
Basement Area1,024 sqft
Finished Basement480 sqft
Unfinished Basement544 sqft
FlooringCovered
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area9,801 sqft (0.225 acres)
Garage Area420 sqft
PorchPorch
Porch Area257 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR0443607
Street Address645 GARDNER ST
CityCASTLE ROCK
StateCO
Zip80104-8803
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 7 BLOCK 6 CASTLEWOOD RANCH FILING # 2 PARCEL 1 0.225 AML
Legal Range66W
Legal Township08S
Legal Section09
Legal QuarterSW
Legal SubdivisionCASTLEWOOD RANCH
Legal Block6
Legal Lot Number7
JurisdictionDOUGLAS CO
Township / Civil DivisionPARKER
Census Block Group2
Census Block2023
Census Tract14604

Owner

Source: Douglas County records, as of June 23, 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 Record2 Individual Names on Record
Mailing Address645 GARDNER ST, CASTLE ROCK, CO 80104-8803
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 3, 2020Warranty Deed, Transfer · Conventional Mortgage
PROVIDENT FUNDING ASSOCIATES LP
Aug 11, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 3, 2020 · Amount on Record
Deed SaleAug 3, 2020 · Amount on Record
Prior SaleDec 3, 2012 · Amount on Record
Deed Document Number202070340
Prior Transfer DateJul 31, 2020
Prior Transfer Doc0000073756
Record UpdatedOct 29, 2026

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDOUGLAS CO
Recording DateAug 3, 2020
Property Address645 GARDNER ST, CASTLE ROCK, CO 80104-8803
Document Number0000070340
Instrument DateJul 31, 2020
Instrument2020070340
Transaction TypeTransfer
Record UpdatedJul 26, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$42.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 GARDNER ST, CASTLE ROCK, CO 80104-8803

Mortgage

Document Number0000070341
DateAug 3, 2020
Instrument2020070341
Lender
NamePROVIDENT FUNDING ASSOCIATES LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2050

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionDOUGLAS CO
Recording DateAug 11, 2020
Property Address645 GARDNER ST, CASTLE ROCK, CO 80104-8803
Document Number0000073756
Instrument DateJul 31, 2020
Instrument73756
Transaction TypeTransfer
Record UpdatedAug 28, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address645 GARDNER ST CASTLE ROCK CO 801048803, CASTLE ROCK, CO 80104-8803

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateColorado
CountyDouglas County
MunicipalityCastle Rock Town
Unified School DistrictDouglas County School District RE-1 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$39,690 (-) Land $12,150 Building $27,540$583,708 (-) Land $178,692 Building $405,016
2025$3,860.00 (+7.55%)$39,690 (-0.28%) Land $12,150 Building $27,540$583,708 (-1.73%) Land $178,692 Building $405,016
2024$3,589.00 (-0.97%)
2023$3,624.00$39,800 Land $10,190 Building $29,610$594,000 Land $152,122 Building $441,878

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskModerate
above 59% of the US · above 46% of Colorado
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOWN OF CASTLE ROCK
serves 110,298 people · EPA ID CO0118010
Water SourceSurface water
Last State InspectionSep 2024
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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