Douglas County property record for 646 Ruby Trust Dr, Castle Rock, CO 80108
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 5,370 sqft · built 2003 |
| Lot Size | 0.611 acres (26,615 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,575,000 (Nov 2025) |
| Tax Bill | $16,480 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2025 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2351-22-3-04-012 |
| Primary APN | 2351-22-3-04-012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 5,370 sqft Living Area |
| Gross Area | 5,908 sqft |
| 1st Floor Area | 2,829 sqft |
| Basement Area | 3,079 sqft |
| Finished Basement | 2,541 sqft |
| Unfinished Basement | 538 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 26,615 sqft (0.611 acres) |
| Garage Area | 850 sqft |
| Porch | Porch |
| Porch Area | 1,503 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R0427318 |
|---|---|
| Street Address | 646 RUBY TRUST DR |
| City | CASTLE ROCK |
| State | CO |
| Zip | 80108-8466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDU |
| Legal Description | LOT 646 CASTLE PINES VILLAGE #32D. 0.611 AM/L |
| Legal Range | 67W |
| Legal Township | 07S |
| Legal Section | 22 |
| Legal Quarter | SW |
| Legal Subdivision | CASTLE PINES VILLAGE |
| Legal Lot Number | 646 |
| Jurisdiction | DOUGLAS CO |
| Township / Civil Division | SEDALIA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 14123 |
Source: Douglas County records · APN 2351-22-3-04-012
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 08, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Nov 07, 2025 | Special Warranty Deed, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Nov 04, 2022 | Warranty Deed, Transfer · Conventional Mortgage UBS BANK USA |
| Aug 01, 2018 | Warranty Deed, Transfer HERITAGE TITLE COMPANY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 07, 2025 · Amount on Record |
| Deed Sale | Nov 07, 2025 · Amount on Record |
| Prior Sale | Nov 04, 2022 · Amount on Record |
| Deed Document Number | 202553657 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Property Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Document Number | 0000058577 |
|---|---|
| Date | Dec 08, 2025 |
| Instrument | 2025058577 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jan 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 15% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Nov 07, 2025 |
| Property Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Document Number | 0000053657 |
| Instrument Date | Nov 07, 2025 |
| Instrument | 2025053657 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $257.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Nov 04, 2022 |
| Property Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Document Number | 0000071030 |
| Instrument Date | Oct 07, 2022 |
| Instrument | 2022071030 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $221.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Document Number | 0000071031 |
|---|---|
| Date | Nov 04, 2022 |
| Instrument | 2022071031 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Nov 01, 2037 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 14.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 14.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DOUGLAS CO |
| Recording Date | Aug 01, 2018 |
| Property Address | 646 RUBY TRUST DR, CASTLE ROCK, CO 80108-8466 |
| Document Number | 0000046548 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 46548 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | HERITAGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $142.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 646 RUBY TRUST DR CASTLE ROCK CO 801088466, CASTLE ROCK, CO 80108-8466 |
Source: Douglas County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Douglas County |
| Unified School District | Douglas County School District RE-1 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $143,070 (-) Land $36,450 Building $106,620 | $2,103,981 (-) Land $536,065 Building $1,567,916 | |
| 2025 | $16,480.00 (+4.67%) | $143,070 (+2.6%) Land $36,450 Building $106,620 | $2,103,981 (+1.09%) Land $536,065 Building $1,567,916 |
| 2024 | $15,745.00 (-0.79%) | $139,450 (-) Land $35,460 Building $103,990 | |
| 2023 | $15,871.00 (+48.9%) | $139,450 (+47.97%) Land $35,460 Building $103,990 | $2,081,382 (+53.49%) Land $529,328 Building $1,552,054 |
| 2022 | $10,659.00 | $94,240 Land $21,950 Building $72,290 | $1,356,043 Land $315,874 Building $1,040,169 |
Source: FEMA National Flood Hazard Layer as of June 4, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 65% of the US · lower than 82% of Colorado |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Windfield Enterprises Fixed Wireless | 1,000 / 220 |
| BAM Broadband OpCo Fixed Wireless · not low latency | 1,000 / 100 |
| Istari Holdings Fixed Wireless | 300 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Aerux, Lumen Technologies, Verizon.
Based on FCC filings for 163 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CASTLE PINES VILLAGE MD serves 5,656 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2022 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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