Ouray County property record for 409 Pinecrest Dr, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,067 sqft · built 2023 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Aug 2021) |
| Tax Bill | $7,463 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2022 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R001128 |
| Primary APN | R001128 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Stories | 2 Stories |
| Building Area | 3,067 sqft Heated Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Raised Ranch |
| Lot Area | 10,672 sqft (0.245 acres) |
| Account Number | R001128 |
|---|---|
| Street Address | 409 PINECREST DR |
| City | OURAY |
| State | CO |
| Zip | 81427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SUBD: OAK CREEK HIGHLANDS LOT: 18 SUBD: CITY OF OURAY TRACT: A PARCEL 155 S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | OAK CREEK HIGHLANDS |
| Legal Tract | A |
| Legal Lot Number | 18 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 1 |
| Census Block | 1051 |
| 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 | 35045 N 52ND PL, CAVE CREEK, AZ 85331-9306 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 24, 2025 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| Oct 3, 2022 | Deed of Trust, Mortgage · Construction Mortgage BELL BANK |
| Aug 11, 2021 | Warranty Deed, Transfer · Commercial Mortgage ALPINE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2021 · Amount on Record |
| Deed Sale | Aug 11, 2021 · Amount on Record |
| Deed Document Number | 2021229767 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 409 PINECREST DR, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6789 E SABER RD, CAVE CREEK, AZ 85331-8654 |
| Document Number | 0000240708 |
|---|---|
| Date | Dec 24, 2025 |
| Instrument | 240708 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 12, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 409 PINECREST DR, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 35045 N 52ND PL, CAVE CREEK, AZ 85331-9306 |
| Document Number | 0000233214 |
|---|---|
| Date | Oct 3, 2022 |
| Instrument | 233214 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Aug 11, 2021 |
| Property Address | 409 PINECREST DR, OURAY, CO 81427 |
| Document Number | 0000229767 |
| Map Reference | DOC 114482 |
| Instrument Date | Aug 10, 2021 |
| Instrument | 229767 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6608 PINE VALLEY PL, FORT WORTH, TX 76132-4512 |
| Name | Verified Name |
|---|---|
| Address | 35045 N 52ND PL, CAVE CREEK, AZ 85331-9306 |
| Document Number | 0000229768 |
|---|---|
| Date | Aug 11, 2021 |
| Instrument | 229768 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $7,463.00 (+17.68%) | $112,180 (+9.82%) Land $12,660 Building $99,520 | $1,794,860 (+17.72%) Land $202,500 Building $1,592,360 |
| 2024 | $6,342.00 (+61.7%) | $102,150 (+62.69%) Land $14,550 Building $87,600 | $1,524,700 (+577.61%) Land $217,170 Building $1,307,530 |
| 2023 | $3,922.00 | $62,790 Land $62,780 Building $10 | $225,010 Land $225,000 Building $10 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 40% of Colorado |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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 34 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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