Ouray County property record for 520 2nd St, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6.5 ba · 4,143 sqft · built 1996 |
| Lot Size | 0.162 acres (7,092 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $690,000 (Oct 2019) |
| Tax Bill | $4,568 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Dec 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000778 |
| Primary APN | R000778 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Stories | 2 Stories |
| Building Area | 4,143 sqft Heated Area |
| Gross Area | 6,400 sqft |
| 1st Floor Area | 1,471 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2005 |
| Roof Material | Other |
| Lot Area | 7,092 sqft (0.162 acres) |
| Garage Area | 540 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Gas |
| Account Number | R000778 |
|---|---|
| Street Address | 520 2ND ST |
| City | OURAY |
| State | CO |
| Zip | 81427-5005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD: CITY OF OURAY LOT: 19 BLOCK: 5 SUBD: CITY OF OURAY LOT: 20 BLOCK: 5 S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | CITY OF OURAY |
| Legal Block | 5 |
| Legal Lot Number | 19-20 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 1 |
| Census Block | 1057 |
| 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 | 520 2ND ST, OURAY, CO 81427-5005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Aug 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK |
| Dec 16, 2019 | Deed of Trust, Mortgage · Line of Credit ALPINE BANK |
| Oct 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage ALLY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2019 · Amount on Record |
| Deed Sale | Oct 2, 2019 · Amount on Record |
| Prior Sale | Aug 20, 2014 · Amount on Record |
| Deed Document Number | 2019223885 |
| Last Transfer Date | Dec 6, 2024 |
| Transfer Doc | 0000238369 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 520 2ND ST, OURAY, CO 81427-5005 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 229948 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 229948 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 520 2ND ST, OURAY, CO 81427-5005 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 224387 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 224387 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Address | RIFLE, CO 81650 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Oct 2, 2019 |
| Property Address | 520 2ND ST, OURAY, CO 81427-5005 |
| Document Number | 223885 |
| Instrument Date | Oct 1, 2019 |
| Instrument | 223885 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Title Company | LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 194, OURAY, CO 81427-0194 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 9575 S HIDDEN POINT DR, SANDY, UT 84070-2533 |
| Document Number | 223886 |
|---|---|
| Date | Oct 2, 2019 |
| Instrument | 223886 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
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 | $4,568.00 (+15.53%) | $68,660 (+7.79%) Land $12,380 Building $56,280 | $1,098,550 (+15.53%) Land $198,120 Building $900,430 |
| 2024 | $3,954.00 (+6.89%) | $63,700 (-4.97%) Land $9,180 Building $54,520 | $950,850 (-4.04%) Land $137,080 Building $813,770 |
| 2023 | $3,699.00 | $67,030 Land $9,660 Building $57,370 | $990,850 Land $142,850 Building $848,000 |
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 50% of the US · lower than 66% of Colorado |
|---|---|
| Wildfire Likelihood | 0.06% 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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