Ouray County property record for 609 Main St, Ouray, CO 81427
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 1 bd · 1 ba · 3,530 sqft · built 1981 |
| Lot Size | 0.038 acres (1,655 sqft) |
| Owner | Company Name on Record |
| Last Sale | $365,000 (Aug 2014) |
| Tax Bill | $10,103 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000943 |
| Primary APN | R000943 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 3,530 sqft Total Area |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Victorian |
| Exterior Material | Brick Veneer |
| Roof Type | Shed Roof |
| Roof Material | Clay Tile |
| Lot Area | 1,655 sqft (0.038 acres) |
| Heating System | Gravity Furnace |
|---|
| Account Number | R000943 |
|---|---|
| Street Address | 609 MAIN ST |
| City | OURAY |
| State | CO |
| Zip | 81427 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | SUBD: S & S SUB LOT: 4 1/3 INT. COMMON AREA #3 S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | S & S SUB |
| Legal Lot Number | 4 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3073 |
| 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 April 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 811, OURAY, CO 81427-0811 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS STATE BANK |
| Apr 11, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS STATE BANK |
| Mar 2, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS STATE BANK OF OURAY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2014 · Amount on Record |
| Deed Sale | Aug 18, 2014 · Amount on Record |
| Deed Document Number | 2014212558 |
| Prior Transfer Date | Jun 3, 2014 |
| Prior Transfer Doc | 212155 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 609 MAIN ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Name | Verified Name |
|---|---|
| Address | PO BOX 811, OURAY, CO 81427-0811 |
| Document Number | 0000241149 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 241149 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | OURAY, CO 81427 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 20, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 609 MAIN ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000231814 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 231814 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | OURAY, CO 81427 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Mar 18, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 609 MAIN ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | , 218045 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | 218045 |
| Name | CITIZENS STATE BANK OF OURAY |
|---|---|
| Type | Bank |
| Address | OURAY, CO 81427 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 1, 2022 |
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 | $10,103.00 (+41.66%) | $161,160 (+40.29%) Land $42,560 Building $118,600 | $596,880 (+44.95%) Land $157,630 Building $439,250 |
| 2024 | $7,132.00 (+6.89%) | $114,880 (-) Land $21,860 Building $93,020 | $411,770 (-) Land $78,350 Building $333,420 |
| 2023 | $6,672.00 | $114,880 Land $21,860 Building $93,020 | $411,770 Land $78,350 Building $333,420 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 62% of Colorado |
|---|---|
| Wildfire Likelihood | 0.07% 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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