318 Main St, Ouray, CO 81427 Property Records

Ouray County property record for 318 Main St, Ouray, CO 81427

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 480 sqft · built 1898
Lot Size	0.081 acres (3,528 sqft)
Owner	Trust Name on File
Last Sale	$50,000 (Jun 1995)
Tax Bill	$757 (2025)
Deeds & Mortgages	Mar 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R000750`

Property Details

APN / Parcel Number

Primary APN	`R000750`
Alternative APN	`451531305020`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	480 sqft Heated Area
Gross Area	534 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1985
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Roof Type	Gable
Roof Material	Shingle
Lot Area	3,528 sqft (0.081 acres)
Porch	Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Propane

Location & Zoning

Account Number	R000750
Street Address	318 MAIN ST
City	OURAY
State	CO
Zip	81427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4
Legal Description	SUBD: CITY OF OURAY LOT: 20 BLOCK: 13 S: 31 T: 44 R: 7
Legal Range	07
Legal Township	44
Legal Section	31
Legal Subdivision	CITY OF OURAY
Legal Block	13
Legal Lot Number	20
Jurisdiction	OURAY CO
Township / Civil Division	OURAY
Census Block Group	1
Census Block	1060
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

318 Main St is held in a trust since June 1995.

Source: Ouray County records, as of May 14, 2026

Owner of Record	Trust Name on File
Mailing Address	961 E HYLAND LAKE DR, MURRAY, UT 84121-1608
Owner Type	Company
Vesting	Trust

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	Jun 28, 1995 · Amount on File
Deed Sale	Jun 28, 1995 · Amount on File
Deed Book / Page	300 / 513
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OURAY CO
Property Address	318 MAIN ST, OURAY, CO 81427
Transaction Type	Mortgage
Record Updated	Mar 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	224890
Date	Mar 12, 2020
Instrument	224890

Lender

Name	CITIZENS STATE BANK
Type	Bank
Address	RIDGWAY, CO 81432

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 10, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 318 Main St was $757, up 105.7% 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	$757.00 (+105.71%)	$11,390 (+91.75%) Land $7,410 Building $3,980	$182,210 (+105.19%) Land $118,610 Building $63,600
2024	$368.00 (-32.35%)	$5,940 (-31.88%) Land $3,810 Building $2,130	$88,800 (-31.06%) Land $56,940 Building $31,860
2023	$544.00	$8,720 Land $5,590 Building $3,130	$128,800 Land $82,590 Building $46,210

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 318 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 318 Main 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