Ouray County property record for 628 5th St, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,000 sqft · built 1967 |
| Lot Size | 0.122 acres (5,314 sqft) |
| Owner | Trust Name on File |
| Last Sale | $112,500 (Nov 2011) |
| Tax Bill | $1,234 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit Sep 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | R001037 |
| Primary APN | R001037 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,000 sqft Heated Area |
| Gross Area | 2,017 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Raised Ranch |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 5,314 sqft (0.122 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | R001037 |
|---|---|
| Street Address | 628 5TH ST |
| City | OURAY |
| State | CO |
| Zip | 81427-5035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SUBD: BATES SUBDIVISION LOT: 1 S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | BATES SUBDIVISION |
| Legal Lot Number | 1 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3082 |
| 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.
628 5th St is held in a trust since September 2021.
Source: Ouray County records, as of March 26, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 395, OURAY, CO 81427-0395 |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
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 |
|---|---|
| Aug 4, 2025 | Deed of Trust, Mortgage · Line of Credit ALPINE BANK |
| Sep 14, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2011 · Amount on File |
| Deed Sale | Nov 22, 2011 · Amount on File |
| Deed Document Number | 2011206405 |
| Last Transfer Date | Sep 14, 2021 |
| Transfer Doc | 230123 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 628 5TH ST, OURAY, CO 81427-5035 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000239816 |
|---|---|
| Date | Aug 4, 2025 |
| Instrument | 239816 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Address | RIFLE, CO 81650 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Sep 14, 2021 |
| Property Address | 628 5TH ST, OURAY, CO 81427-5035 |
| Document Number | 230123 |
| Map Reference | DOC 122994 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 230123 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | PO BOX 395, OURAY, CO 81427-0395 |
The 2025 property tax bill for 628 5th St was $1,234, up 33.5% 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 | $1,234.00 (+33.55%) | $18,560 (+24.65%) Land $7,930 Building $10,630 | $296,940 (+33.61%) Land $126,870 Building $170,070 |
| 2024 | $924.00 (-16.61%) | $14,890 (-16.07%) Land $5,100 Building $9,790 | $222,250 (-15.25%) Land $76,160 Building $146,090 |
| 2023 | $1,108.00 | $17,740 Land $6,080 Building $11,660 | $262,250 Land $89,870 Building $172,380 |
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 628 5th 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 628 5th St is moderate, ranking above 53% of the US, with a 0.07% annual chance of wildfire.
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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