Ouray County property record for 327 4th St, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,725 sqft · built 1898 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,100,000 (Jan 2025) |
| Tax Bill | $4,169 (2025) |
| Deeds & Mortgages | Mar 2022 Reverse Mortgage Mar 2022 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000837 |
| Primary APN | R000837 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,725 sqft Heated Area |
| Gross Area | 2,681 sqft |
| 1st Floor Area | 1,305 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Victorian |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Detached |
| Garage Area | 860 sqft |
| Porch | Porch |
| Porch Area | 233 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | R000837 |
|---|---|
| Street Address | 327 4TH ST |
| City | OURAY |
| State | CO |
| Zip | 81427-5025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SUBD: CITY OF OURAY LOT: 7 BLOCK: 29 SUBD: CITY OF OURAY LOT: 8 BLOCK: 29 S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | CITY OF OURAY |
| Legal Block | 29 |
| Legal Lot Number | 7-8 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3088 |
| Census Tract | 967602 |
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.
Source: Ouray County records, as of March 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1008 GENE TAYLOR DR, CARTHAGE, MO 64836-3200 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Mar 22, 2022 | Deed of Trust, Mortgage · Reverse Mortgage THE FEDERAL HOUSING COMMISSIONER |
| Nov 12, 2020 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 21, 2025 · Amount on Record |
| Deed Sale | Jan 21, 2025 · Amount on Record |
| Prior Sale | Jul 31, 2006 · Amount on Record |
| Deed Document Number | 2025238603 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 327 4TH ST, OURAY, CO 81427-5025 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000231670 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 231670 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 850 Months |
| Due | Jan 26, 2093 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.14% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.14% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 327 4TH ST, OURAY, CO 81427-5025 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000231671 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 231671 |
| Name | THE FEDERAL HOUSING COMMISSIONER |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 850 Months |
| Due | Jan 26, 2093 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.14% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.14% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 327 4TH ST, OURAY, CO 81427-5025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Name | Verified Name |
|---|
| Document Number | 226967 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 226967 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 866 Months |
| Due | Jan 26, 2093 |
Source: Ouray County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Ouray County |
| Municipality | Ouray City |
| Unified School District | Ouray School District R-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,169.00 (+9.74%) | $68,920 (+1.52%) Land $12,380 Building $56,540 | $1,102,700 (+8.84%) Land $198,120 Building $904,580 |
| 2024 | $3,799.00 (+6.92%) | $67,890 (-4.72%) Land $9,220 Building $58,670 | $1,013,180 (-3.8%) Land $137,540 Building $875,640 |
| 2023 | $3,553.00 | $71,250 Land $9,670 Building $61,580 | $1,053,180 Land $142,970 Building $910,210 |
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.
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 Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
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 | Moderate above 45% of the US · lower than 72% of Colorado |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 403 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vero Fiber Fiber | 1,000 / 1,000 |
| Clearnetworx Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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