Arapahoe County property record for 865 Waterloo Cir, Aurora, CO 80018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,630 sqft · built 2019 |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (Jan 2022) |
| Tax Bill | $6,809 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Dec 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1977-04-4-12-002 |
| Primary APN | 1977-04-4-12-002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,630 sqft Living Area |
| Gross Area | 4,410 sqft |
| 1st Floor Area | 1,204 sqft |
| 2nd Floor Area | 1,426 sqft |
| Basement Area | 1,204 sqft |
| 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 |
| Porch | Covered Porch |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 035313841 |
|---|---|
| Street Address | 865 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 012 LOT 002 LOT 2 BLK 12 SKY RANCH SUB FLG NO 1 |
| Legal Subdivision | SKY RANCH SUBDIVISION FLG NO 1 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | ARAPAHOE CO |
| Township / Civil Division | EAST ARAPAHOE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 7111 |
865 Waterloo Cir is owned and occupied by two individuals who bought it in January 2022.
Source: Arapahoe County records, as of July 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 865 WATERLOO CIR, AURORA, CO 80018-1834 |
| 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.
| Date | Document |
|---|---|
| Jan 21, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage UNIVERSAL LENDING CORP |
| Dec 3, 2021 | Special Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2022 · Amount on File |
| Deed Sale | Jan 21, 2022 · Amount on File |
| Prior Sale | Dec 3, 2021 · Amount on File |
| Deed Document Number | 20228308 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Recording Date | Jan 21, 2022 |
| Property Address | 865 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E2008308 |
| Instrument Date | Jan 11, 2022 |
| Instrument | E2008308 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $62.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 865 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E2008309 |
|---|---|
| Date | Jan 21, 2022 |
| Instrument | E2008309 |
| Name | UNIVERSAL LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Recording Date | Dec 3, 2021 |
| Property Address | 865 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E1184239 |
| Instrument Date | Nov 30, 2021 |
| Instrument | E1184239 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $62.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13606 XAVIER LN STE E, E, BROOMFIELD, CO 80023-3604 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 865 Waterloo Cir was $6,809, down 16.6% from the year before.
Source: Arapahoe County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Arapahoe County |
| Unified School District | Adams-Arapahoe School District 28J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $33,140 (-2.08%) | $541,500 (-) Land $130,000 Building $411,500 | |
| 2025 | $6,809.00 (-16.6%) | $33,844 | $541,500 Land $130,000 Building $411,500 |
| 2024 | $8,164.00 | ||
| 2023 | $42,110 | $683,500 Land $109,250 Building $574,250 | |
| 2021 | $6,212.00 |
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.
FEMA maps place 865 Waterloo Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 risk around 865 Waterloo Cir is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 97.5% of Colorado |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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