231 2nd St, Ouray, CO 81427 Property Records

Ouray County property record for 231 2nd St, Ouray, CO 81427

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,127 sqft · built 1898
Lot Size	0.122 acres (5,314 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Dec 2019)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R000869`

Property Details

APN / Parcel Number

Primary APN	`R000869`
Alternative APN	`451531308005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,127 sqft Heated Area

Exterior

Year Built	Built 1898
Effective Year Built	Effective 2000
Architectural Style	Victorian
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	5,314 sqft (0.122 acres)
Patio Area	172 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R000869
Street Address	231 2ND ST
City	OURAY
State	CO
Zip	81427-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4
Legal Description	SUBD: CITY OF OURAY LOT: 9 BLOCK: 14 PT OF LOT 8 S: 31 T: 44 R: 7
Legal Range	07
Legal Township	44
Legal Section	31
Legal Subdivision	CITY OF OURAY
Legal Block	14
Legal Lot Number	9-8
Jurisdiction	OURAY CO
Township / Civil Division	OURAY
Census Block Group	1
Census Block	1036
Census Tract	967602

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ouray Historic District listed 1983 · 270 contributing resources · NRIS 83003537

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

231 2nd St is owned by an individual who bought it in December 2019.

Source: Ouray County records, as of March 26, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 735, OURAY, CO 81427-0735
Owner Type	Individual

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	Name on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Sep 3, 2008 · Amount on File
Deed Document Number	2019224499
Prior Transfer Date	May 12, 2008
Prior Transfer Doc	197759
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OURAY CO
Recording Date	Dec 31, 2019
Property Address	231 2ND ST, OURAY, CO 81427-5009
Document Number	224499
Instrument Date	Dec 31, 2019
Instrument	224499
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1472, OURAY, CO 81427-1472

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 735, OURAY, CO 81427-0735

Mortgage

Document Number	224500
Date	Dec 31, 2019
Instrument	224500

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 231 2nd St was $1,557, up 14.8% from the year before.

Source: Ouray County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Ouray County
Municipality	Ouray City
Unified School District	Ouray School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,557.00 (+14.82%)	$23,420 (+7.19%) Land $9,910 Building $13,510	$374,670 (+14.88%) Land $158,590 Building $216,080
2024	$1,356.00 (+7.96%)	$21,850 (-11.03%) Land $6,810 Building $15,040	$326,130 (-10.15%) Land $101,620 Building $224,510
2023	$1,256.00	$24,560 Land $7,720 Building $16,840	$362,960 Land $114,050 Building $248,910

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 231 2nd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 11, 2024 · 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
Flood Insurance Cost	Premium on File median of 11 individual policies
Nearby Flood Policies	17 units insured incl. 6 condo units

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

Wildfire risk around 231 2nd St is moderate, ranking above 44% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 73% of Colorado
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF OURAY serves 1,460 people · EPA ID CO0146588
Water Source	Groundwater influenced by surface water
Last State Inspection	Mar 2026
Also Mapped Here	TRI COUNTY WCD
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Apr 2026 Failure to filter resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	27 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clearnetworx Fiber	1,000 / 1,000
Vero Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20