Ouray County property record for 726 3rd St, Ouray, CO 81427
| Property Type | Commercial |
|---|---|
| Details | 1 bd · 1 ba · 3,501 sqft · built 1910 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (Feb 2026) |
| Tax Bill | $11,672 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Mar 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000696 |
| Primary APN | R000696 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 3,501 sqft Total Area |
| Basement Area | 1,106 sqft |
| Finished Basement | 1,106 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Shed Roof |
| Roof Material | Wood Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Garage Type | Attached |
| Garage Area | 775 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 125 sqft |
| Patio Area | 70 sqft |
| Total Buildings | 3 Buildings |
| Heating System | Solar |
|---|---|
| Heating Fuel | Gas |
| Account Number | R000696 |
|---|---|
| Street Address | 726 3RD ST |
| City | OURAY |
| State | CO |
| Zip | 81427 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | 5 |
| Legal Description | SUBD: CITY OF OURAY LOT: 19 BLOCK: 9 SUBD: CITY OF OURAY LOT: 20 BLOCK: 9 S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | CITY OF OURAY |
| Legal Block | 9 |
| Legal Lot Number | 19-20 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 1 |
| Census Block | 1073 |
| 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.
726 3rd St, a commercial property, is owned by two individuals who bought it in February 2026.
Source: Ouray County records, as of October 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 671, OURAY, CO 81427-0671 |
| 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 |
|---|---|
| Oct 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK |
| Mar 30, 2026 | Deed of Trust, Mortgage · Non-Conforming Investor Loan CITIZENS STATE BANK |
| Feb 17, 2026 | Warranty Deed, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2026 · Amount on File |
| Deed Sale | Feb 17, 2026 · Amount on File |
| Prior Sale | Aug 26, 2014 · Amount on File |
| Deed Document Number | 2026240942 |
| Prior Transfer Date | Jun 29, 2006 |
| Prior Transfer Doc | 0000192140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Oct 1, 2026 |
| Property Address | 726 3RD ST, OURAY, CO 81427 |
| Document Number | 0000242166 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 2026242166 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000242166, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 2026242166 |
| Name | CITIZENS STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 25, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 726 3RD ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 671, OURAY, CO 81427-0671 |
| Document Number | 0000241170 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 241170 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | OURAY, CO 81427 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 27, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Feb 17, 2026 |
| Property Address | 726 3RD ST, OURAY, CO 81427 |
| Document Number | 0000240942 |
| Instrument Date | Feb 15, 2026 |
| Instrument | 240942 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $95.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 800 SE 3RD AVE # AVE5, AVE5, FORT LAUDERDALE, FL 33316-1152 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 671, OURAY, CO 81427-0671 |
The 2025 property tax bill for 726 3rd St was $11,672, down 3.7% 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 | $11,672.00 (-3.67%) | $184,180 (-5.63%) Land $74,780 Building $109,400 | $1,086,730 (+3.48%) Land $359,970 Building $726,760 |
| 2024 | $12,117.00 (+6.9%) | $195,170 (-1.52%) Land $76,760 Building $118,410 | $1,050,170 (-3.67%) Land $348,470 Building $701,700 |
| 2023 | $11,335.00 | $198,180 Land $77,390 Building $120,790 | $1,090,170 Land $356,830 Building $733,340 |
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 726 3rd 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 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.
Wildfire risk around 726 3rd 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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