Ouray County property record for 445 4th St, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,572 sqft · built 1888 |
| Lot Size | 0.244 acres (10,629 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,350,000 (Sep 2025) |
| Tax Bill | $4,651 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R000727 |
| Primary APN | R000727 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 2,572 sqft Heated Area |
| Gross Area | 2,533 sqft |
| 1st Floor Area | 1,778 sqft |
| Basement Area | 312 sqft |
| Unfinished Basement | 312 sqft |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Victorian |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 10,629 sqft (0.244 acres) |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Porch | Porch |
| Porch Area | 247 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Propane |
| Account Number | R000727 |
|---|---|
| Street Address | 445 4TH ST |
| City | OURAY |
| State | CO |
| Zip | 81427-5072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SUBD: CITY OF OURAY LOT: 10 BLOCK: 28 SUBD: CITY OF OURAY LOT: 11 BLOCK: 28 SUBD: CITY OF OURAY LOT: 12 BLOCK: 28 S: 31 T: 44 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | CITY OF OURAY |
| Legal Block | 28 |
| Legal Lot Number | 10-12 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3085 |
| 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.
445 4th St is owned by an individual who bought it in September 2025.
Source: Ouray County records, as of March 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4413 TANFORAN AVE, MIDLAND, TX 79707-1622 |
| 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.
| Date | Document |
|---|---|
| Jul 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PREMIER MEMBERS CU |
| Sep 29, 2025 | Warranty Deed, Transfer · Conventional Mortgage STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on File |
| Deed Sale | Sep 29, 2025 · Amount on File |
| Prior Sale | Jun 8, 2015 · Amount on File |
| Deed Document Number | 2025240185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 445 4TH ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1450 DANDIE WAY, ESTES PARK, CO 80517-7301 |
| Document Number | 0000239672 |
|---|---|
| Date | Jul 10, 2025 |
| Instrument | 239672 |
| Name | PREMIER MEMBERS CU |
|---|---|
| Type | Credit Union |
| Address | BROOMFIELD, CO 80021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Sep 29, 2025 |
| Property Address | 445 4TH ST, OURAY, CO 81427 |
| Document Number | 0000240185 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 240185 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 445 4TH ST, OURAY, CO 81427 |
| Name | Verified Name |
|---|---|
| Address | 4413 TANFORAN AVE, MIDLAND, TX 79707-1622 |
| Document Number | 0000240186 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 240186 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 445 4th St was $4,651, up 13.4% from the year before.
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 | $4,651.00 (+13.38%) | $69,910 (+5.8%) Land $21,930 Building $47,980 | $1,118,530 (+13.41%) Land $350,910 Building $767,620 |
| 2024 | $4,102.00 (+6.91%) | $66,080 (-4.81%) Land $16,920 Building $49,160 | $986,230 (-3.9%) Land $252,490 Building $733,740 |
| 2023 | $3,837.00 | $69,420 Land $17,770 Building $51,650 | $1,026,230 Land $262,730 Building $763,500 |
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.
FEMA maps place 445 4th 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 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.
Wildfire risk around 445 4th St is moderate, ranking above 45% 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 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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