Arapahoe County property record for 895 Waterloo Cir, Aurora, CO 80018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,203 sqft · built 2019 |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,300 (Jun 2020) |
| Tax Bill | $7,030 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1977-04-4-11-009 |
| Primary APN | 1977-04-4-11-009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,203 sqft Living Area |
| Gross Area | 2,923 sqft |
| 1st Floor Area | 980 sqft |
| 2nd Floor Area | 1,223 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 | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 2 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 035313751 |
|---|---|
| Street Address | 895 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 011 LOT 009 LOT 9 BLK 11 SKY RANCH FLG NO 1 |
| Legal Subdivision | SKY RANCH SUBDIVISION FLG NO 1 |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | ARAPAHOE CO |
| Township / Civil Division | EAST ARAPAHOE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 7111 |
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 | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT |
| Jul 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNIVERSAL LENDING CORP |
| Jul 8, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 21, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 22, 2020 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2020 · Amount on Record |
| Deed Sale | Jun 22, 2020 · Amount on Record |
| Deed Document Number | 202073969 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Recording Date | May 1, 2026 |
| Property Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 0000029668 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202629668 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Investor | Possibly a Property Investor |
| Document Number | 0000029668, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 202629668 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Property Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E1106310 |
|---|---|
| Date | Jul 6, 2021 |
| Instrument | E1106310 |
| Name | UNIVERSAL LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Property Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E2073634 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | E2073634 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Property Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E3025405 |
|---|---|
| Date | Apr 18, 2023 |
| Instrument | E3025405 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Property Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E3079681 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | E3079681 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Property Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E5011986 |
|---|---|
| Date | Feb 21, 2025 |
| Instrument | E5011986 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | Aug 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ARAPAHOE CO |
| Recording Date | Jun 22, 2020 |
| Property Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E0073969 |
| Map Reference | DOC D8071296 |
| Instrument Date | Jun 8, 2020 |
| Instrument | E0073969 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | AMERICAN HOME T&E CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41.03 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4350 S MONACO ST, 4350, DENVER, CO 80237-3400 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 895 WATERLOO CIR, AURORA, CO 80018-1834 |
| Document Number | 00E0073970 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | E0073970 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
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 | $34,229 (-2.08%) | $559,300 (-) Land $130,000 Building $429,300 | |
| 2025 | $7,030.00 (+3.38%) | $34,956 (-0.09%) | $559,300 (-3.1%) Land $130,000 Building $429,300 |
| 2024 | $6,800.00 (+24.2%) | ||
| 2023 | $34,987 | $577,200 Land $126,000 Building $451,200 | |
| 2021 | $5,475.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.03% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures