7045 S Spruce Dr E, Centennial (Englewood), CO 80112 Property Records

Arapahoe County property record for 7045 S Spruce Dr E, Centennial, CO 80112

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1971
Lot Size	0.228 acres (9,932 sqft)
Owner	2 Individual Names on File
Last Sale	$195,100 (Nov 2008)
Tax Bill	$4,371 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2075-28-2-11-015`

Property Details

APN / Parcel Number

Primary APN	`2075-28-2-11-015`
Alternative APNs	`031853711` `31853711` `853711`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	2,291 sqft
1st Floor Area	1,041 sqft
Basement Area	975 sqft
Finished Basement	975 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,932 sqft (0.228 acres)
Lot Dimensions	124 ft deep x 80 ft wide
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	275 sqft
Driveway	Driveway
Driveway Area	3 sqft
Parking Spaces	1 Parking Space
Deck Area	306 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	031853711
Street Address	7045 S SPRUCE DR E
City	CENTENNIAL
State	CO
Zip	80112-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONCD 064900 SUBDIVISIONNAME WALNUT HILLS 3RD FLG BLOCK 026 LOT 015 LOT 15 BLK 26 WALNUT HILLS 3RD FLG
Legal Range	67W
Legal Township	5S
Legal Section	28
Legal Quarter	2
Legal Subdivision	WALNUT HILLS 3RD FLG
Legal Block	026,2
Legal Lot Number	15
Jurisdiction	ARAPAHOE CO
Township / Civil Division	SOUTHWEST ARAPAHOE
Census Block Group	1
Census Block	1010
Census Tract	6707

Owner

7045 S Spruce Dr E is owned and occupied by two individuals who bought it in November 2008.

Source: Arapahoe County records, as of June 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7045 S SPRUCE DR E, CENTENNIAL, CO 80112-1228
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2008 · Amount on File
Deed Sale	Nov 4, 2008 · Amount on File
Prior Sale	Jul 23, 2008
Deed Document Number	2008122933
Prior Transfer Date	Jun 9, 2003
Prior Transfer Doc	0000155677
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	7045 S SPRUCE DR E, CENTENNIAL, CO 80112-1228
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	HERITAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E1062471
Date	Apr 15, 2021
Instrument	E1062471

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 7045 S Spruce Dr E was $4,371, up 16.9% from the year before.

Source: Arapahoe County assessment roll, as of June 15, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Arapahoe County
Municipality	Centennial City
Unified School District	Cherry Creek School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,500 (-2.08%)	$596,400 (-) Land $240,000 Building $356,400
2025	$4,371.00 (+16.87%)	$37,275	$596,400 Land $240,000 Building $356,400
2024	$3,740.00
2023		$35,101	$578,900 Land $250,000 Building $328,900
2021	$3,123.00

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 7045 S Spruce Dr E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.

Source: FEMA National Flood Hazard Layer, effective October 2, 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	4 in force
Nearby Flood Claims	1 (1991)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1991 · rainfall accumulation

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

The area around 7045 S Spruce Dr E has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	SOUTHGATE WSD serves 55,000 people · EPA ID CO0103721
Water Source	Purchased surface water from DENVER WATER BOARD
Last State Inspection	Dec 2024

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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20