Ouray County property record for 524 3rd Ave, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 3,624 sqft · built 1896 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $557,500 (Nov 2017) |
| Tax Bill | $4,448 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R000586 |
| Primary APN | R000586 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 3,624 sqft Heated Area |
| Gross Area | 3,635 sqft |
| 1st Floor Area | 1,463 sqft |
| Basement Area | 1,308 sqft |
| Finished Basement | 1,308 sqft |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Victorian |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,009 sqft (0.115 acres) |
| Porch | Porch |
| Porch Area | 52 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Propane |
| Account Number | R000586 |
|---|---|
| Street Address | 524 3RD AVE |
| City | OURAY |
| State | CO |
| Zip | 81427-5015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SUBD: CITY OF OURAY LOT: 21 BLOCK: 37 WEST 50' OF LOTS 21, 22, 23, 24 SUBD: CITY OF OURAY LOT: 22 BLOCK: 37 SUBD: CITY OF OUR |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | CITY OF OURAY |
| Legal Block | 37 |
| Legal Lot Number | 21-24 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3091 |
| 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.
524 3rd Ave is owned by two individuals who bought it in November 2017.
Source: Ouray County records, as of March 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4310 SAXTON HOLLOW RD, COLORADO SPRINGS, CO 80908-7200 |
| 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 |
|---|---|
| Oct 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Nov 6, 2017 | Warranty Deed, Transfer · Commercial Mortgage FIRSTOAK BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2017 · Amount on File |
| Deed Sale | Nov 6, 2017 · Amount on File |
| Deed Document Number | 2017219791 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 524 3RD AVE, OURAY, CO 81427-5015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | UNITED TITLE, UNIFIED TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 223943 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 223943 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Nov 6, 2017 |
| Property Address | 524 3RD AVE, OURAY, CO 81427-5015 |
| Document Number | 219791 |
| Instrument Date | Nov 3, 2017 |
| Instrument | 219791 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Title Company | LAND TITLE GUARANTEE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $55.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4310 SAXTON HOLLOW RD, COLORADO SPRINGS, CO 80908-7200 |
| Document Number | 219798 |
|---|---|
| Date | Nov 7, 2017 |
| Instrument | 219798 |
| Name | FIRSTOAK BANK |
|---|---|
| Type | Bank |
| Address | PUEBLO, CO 81008 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 524 3rd Ave was $4,448, up 2.8% 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 | $4,448.00 (+2.77%) | $66,870 (-4.09%) Land $9,460 Building $57,410 | $1,069,900 (+2.82%) Land $151,350 Building $918,550 |
| 2024 | $4,328.00 (+6.89%) | $69,720 (-4.62%) Land $7,250 Building $62,470 | $1,040,590 (-3.7%) Land $108,230 Building $932,360 |
| 2023 | $4,049.00 | $73,100 Land $7,600 Building $65,500 | $1,080,590 Land $112,390 Building $968,200 |
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 524 3rd Ave 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 524 3rd Ave is moderate, ranking above 47% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 69% of Colorado |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 30 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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