Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$954,213$202 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 75How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $510,000 on Jul 28, 2003

1098 RIDGE OAKS DR

CASTLE ROCK, CO 80104
4
Beds
4
Baths
4,714 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.12 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$954K
$719K low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$510,000 · Jul 28, 2003
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.98%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$490,000
LEHMAN BROTHERS BANK FSB · recorded Aug 10, 2004
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$332,500
USAA FSB
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$150,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,296 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$61,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,550
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$39,650
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,690
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$900,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
50
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
29
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
75
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyDOUGLAS
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 1,172 ft²

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Mesa Middle SchoolC+
Middle · Grades 7–8 · 1.4 mi
E
Flagstone Elementary SchoolA
Elementary · Grades KG–6 · 1.5 mi
H
Douglas County High SchoolB+
High · Grades 9–12 · 3.0 mi

District: Douglas County School District Re-1

Neighborhood · ZIP 80104These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.38,110
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.454 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,677
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$145,634
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.20 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.69%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1098 Ridge Oaks Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 89% of homes in Castle Rock 80104
  • Costs less per square foot than 95% of homes in Douglas County
  • Bigger than 95% of homes in Castle Rock 80104
  • Has a bigger lot than 95% of homes in Castle Rock 80104

What homes are worth in Castle Rock 80104

Each bar is how many homes fall in that price range. The marker is this home.

This home
$307K$1.6M

This home is worth more than 89% of homes in Castle Rock 80104.

How it measures up in Castle Rock 80104

The dot is this home. The mark in the middle is the typical home in Castle Rock 80104.

Estimated value$954,213
CheaperTypical $614,268Pricier

Pricier than 89% of homes nearby

Price per ft²$202
CheaperTypical $278Pricier

Pricier than 6% of homes nearby

Living area4,714 ft²
SmallerTypical 2,338 ft²Bigger

Bigger than 95% of homes nearby

Lot size1.12 ac
SmallerTypical 0.17 acBigger

Bigger than 95% of homes nearby

Year built2001
OlderTypical 2004Newer

Newer than 42% of homes nearby

How 1098 Ridge Oaks Dr ranks against every home in each area.
MeasureThis homeCastle Rock 80104Douglas County
Estimated valuepricier than$954,21389% of homes78% of homes
Price per ft²pricier than$2026% of homes5% of homes
Living areabigger than4,714 ft²95% of homes91% of homes
Lot sizebigger than1.12 ac95% of homes91% of homes
Year builtnewer than200142% of homes51% of homes

About 1098 Ridge Oaks Dr

How much is 1098 Ridge Oaks Dr, Castle Rock, CO worth?

The TopHap Estimate for 1098 Ridge Oaks Dr, Castle Rock, CO is $954,213 as of Jul 14, 2026. The likely range is $718,604 to $1,189,822. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1098 Ridge Oaks Dr, Castle Rock, CO last sell?

1098 Ridge Oaks Dr, Castle Rock, CO last sold on Jul 28, 2003 for $510,000, according to the county's recorded deed.

How big is 1098 Ridge Oaks Dr, Castle Rock, CO?

1098 Ridge Oaks Dr, Castle Rock, CO has 4 bedrooms, 4 bathrooms and 4,714 square feet of living space.

When was 1098 Ridge Oaks Dr, Castle Rock, CO built?

1098 Ridge Oaks Dr, Castle Rock, CO was built in 2001, making it 25 years old. The building has 2 stories.

What schools serve 1098 Ridge Oaks Dr, Castle Rock, CO?

1098 Ridge Oaks Dr, Castle Rock, CO is assigned to Mesa Middle School (middle), rated C+; Flagstone Elementary School (elementary), rated A; Douglas County High School (high), rated B+. All sit in Douglas County School District Re-1. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1098 Ridge Oaks Dr, Castle Rock, CO compare to other homes in Castle Rock 80104?

Among the 15,708 homes in Castle Rock 80104, it is worth more than 89% of them ($954,213 against a typical $614,268), its price per square foot is higher than 6% of them ($202 against a typical $278), it is bigger than 95% of them (4,714 ft² against a typical 2,338 ft²), its lot is bigger than 95% of them (1.12 ac against a typical 0.17 ac) and it is newer than 42% of them (2001 against a typical 2004). Measured against all of Douglas County, it is worth more than 78% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1098 Ridge Oaks Dr, Castle Rock, CO?

The 2024 property tax bill for 1098 Ridge Oaks Dr, Castle Rock, CO was $4,296. The county assessed it at $61,200.

Closest homes

More homes in Castle Rock 80104

Assigned schools

Explore the area

See this home in context

Open 1098 Ridge Oaks Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map