821 Waterloo Cir, Aurora, CO 80018 Property Records

Arapahoe County property record for 821 Waterloo Cir, Aurora, CO 80018

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,542 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$506,927 (Dec 2019)
Tax Bill	$7,203 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1977-04-4-06-003`

Property Details

APN / Parcel Number

Primary APN	`1977-04-4-06-003`
Alternative APNs	`035312364` `35312364` `312364`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,542 sqft Living Area
Gross Area	4,473 sqft
1st Floor Area	1,295 sqft
2nd Floor Area	1,421 sqft
Basement Area	1,295 sqft
Finished Basement	826 sqft
Unfinished Basement	469 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	2 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	035312364
Street Address	821 WATERLOO CIR
City	AURORA
State	CO
Zip	80018-1834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNEP
Legal Description	TOWNSHIP T4S MAPPLATB 528 MAPPLATP 59 SUBDIVISIONCD 056102 SUBDIVISIONNAME SKY RANCH SUBDIVISION FLG NO 1 BLOCK 006 LOT 003 LOT 3 BLK 6 SKY RANCH SUB FLG NO 1
Legal Subdivision	SKY RANCH SUBDIVISION FLG NO 1
Legal Block	1
Legal Lot Number	3
Jurisdiction	ARAPAHOE CO
Township / Civil Division	EAST ARAPAHOE
Census Block Group	1
Census Block	1017
Census Tract	7111

Owner

Source: Arapahoe County records, as of June 15, 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	821 WATERLOO CIR, AURORA, CO 80018-1834
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 9, 2021	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Aug 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 23, 2019	Grant Deed, Transfer · Conventional with PMI KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Deed Document Number	2019140885
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	821 WATERLOO CIR, AURORA, CO 80018-1834
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	NATIONAL 1 SOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E1092454
Date	Jun 9, 2021
Instrument	E1092454

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	821 WATERLOO CIR, AURORA, CO 80018-1834
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	NATIONAL 1 SOURCE TITLE, NATIONAL 1 SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E1092455
Date	Jun 9, 2021
Instrument	E1092455

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	821 WATERLOO CIR, AURORA, CO 80018-1834
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E2010968
Date	Jan 28, 2022
Instrument	E2010968

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	821 WATERLOO CIR, AURORA, CO 80018-1834
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E3056233
Date	Aug 15, 2023
Instrument	E3056233

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	AURORA, CO 80018

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARAPAHOE CO
Property Address	821 WATERLOO CIR, AURORA, CO 80018-1834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0148538
Date	Oct 29, 2020
Instrument	E0148538

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ARAPAHOE CO
Recording Date	Dec 23, 2019
Property Address	821 WATERLOO CIR, AURORA, CO 80018-1834
Document Number	00D9140885
Instrument Date	Dec 17, 2019
Instrument	D9140885
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.69
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	821 N WATERLOO CIR AURORA CO 80018, AURORA, CO 80018

Mortgage

Document Number	D9140886
Date	Dec 23, 2019
Instrument	D9140886

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75039

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
County	Arapahoe County
Unified School District	Adams-Arapahoe School District 28J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$34,933 (-2.08%)	$570,800 (-) Land $130,000 Building $440,800
2025	$7,203.00 (-9.42%)	$35,675 (-12.67%)	$570,800 (-14.13%) Land $130,000 Building $440,800
2024	$7,952.00 (+19.9%)
2023		$40,850	$664,700 Land $109,250 Building $555,450
2021	$6,632.00

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

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 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023 · Severe Storms, Flooding, And Tornadoes

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	Low lower than 93% of the US · lower than 97.2% of Colorado
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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