Ouray County property record for 532 4th St, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,219 sqft · built 1910 |
| Lot Size | 1.34 acres (58,675 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,200,000 (May 2026) |
| Tax Bill | $3,841 (2025) |
| Deeds & Mortgages | Jun 2005 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000809 |
| Primary APN | R000809 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,219 sqft Heated Area |
| 1st Floor Area | 1,510 sqft |
| Basement Area | 810 sqft |
| Unfinished Basement | 810 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Victorian |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 58,675 sqft (1.34 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R000809 |
|---|---|
| Street Address | 532 4TH ST |
| City | OURAY |
| State | CO |
| Zip | 81427-5026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SUBD: CITY OF OURAY LOT: 15 BLOCK: 19 PORTION OF LOT 15 SUBD: CITY OF OURAY LOT: 16 BLOCK: 19 MOST OF LOT 16 SUBD: CITY OF OU |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | CITY OF OURAY |
| Legal Block | 19 |
| Legal Lot Number | 15-17 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3072 |
| 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.
532 4th St is owned by an individual who bought it in May 2026.
Source: Ouray County records, as of June 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 927, OURAY, CO 81427-0927 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jun 21, 2005 | Deed of Trust, Mortgage · Conventional Mortgage COLONIAL NATIONAL MORTGAGE |
| May 19, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Mar 26, 2026 | Intrafamily Transfer, Transfer |
| Sep 24, 2020 | Warranty Deed, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2026 · Amount on File |
| Deed Sale | May 19, 2026 · Amount on File |
| Prior Sale | Mar 19, 2014 · Amount on File |
| Deed Document Number | 2026241426 |
| Prior Transfer Date | Feb 2, 2014 |
| Prior Transfer Doc | 211563 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 532 4TH ST, OURAY, CO 81427-5026 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000188396 |
|---|---|
| Date | Jun 21, 2005 |
| Instrument | 188396 |
| Name | COLONIAL NATIONAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT WORTH, TX 76102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 1, 2015 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | May 19, 2026 |
| Property Address | 532 4TH ST, OURAY, CO 81427-5026 |
| Document Number | 0000241426 |
| Instrument Date | May 18, 2026 |
| Instrument | 2026241426 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2026 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,120.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000241427, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 2026241427 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Mar 26, 2026 |
| Property Address | 532 4TH ST, OURAY, CO 81427-5026 |
| Document Number | 0000241162 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 241162 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 532 4TH ST, OURAY, CO 81427-5026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Sep 24, 2020 |
| Property Address | 532 4TH ST, OURAY, CO 81427-5026 |
| Document Number | 0000226424 |
| Instrument Date | Sep 3, 2020 |
| Instrument | 226424 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2022 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $63.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1811, OURAY, CO 81427-1811 |
| Name | Verified Name |
|---|---|
| Address | 710 ESTATES BLVD, GRAND JUNCTION, CO 81505-9598 |
The 2025 property tax bill for 532 4th St was $3,841, up 8.2% 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 | $3,841.00 (+8.23%) | $57,750 (+1.01%) Land $12,050 Building $45,700 | $923,900 (+8.28%) Land $192,780 Building $731,120 |
| 2024 | $3,549.00 (+6.9%) | $57,170 (-5.39%) Land $8,900 Building $48,270 | $853,290 (-4.48%) Land $132,890 Building $720,400 |
| 2023 | $3,320.00 | $60,430 Land $9,410 Building $51,020 | $893,290 Land $139,120 Building $754,170 |
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 532 4th St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 532 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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