Ouray County property record for 740 3rd St, Ouray, CO 81427
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 2 ba · 5,741 sqft · built 1900 |
| Lot Size | 0.081 acres (3,528 sqft) |
| Owner | Company Name on Record |
| Last Sale | $834,000 (Feb 2019) |
| Tax Bill | $28,018 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Dec 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000773 |
| Primary APN | R000773 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 6 Units |
| Building Area | 5,741 sqft Total Area |
| Basement Area | 2,272 sqft |
| Finished Basement | 2,272 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Victorian |
| Exterior Material | Brick Veneer |
| Roof Type | Flat |
| Roof Material | Clay Tile |
| Lot Area | 3,528 sqft (0.081 acres) |
| Porch | Porch |
| Porch Area | 92 sqft |
| Total Buildings | 3 Buildings |
| Heating System | Floor/Wall Furnace |
|---|---|
| Heating Fuel | Gas |
| Account Number | R000773 |
|---|---|
| Street Address | 740 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: 13 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 | 13 |
| 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.
Source: Ouray County records, as of March 26, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 214, OURAY, CO 81427-0214 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 20, 2017 | Deed of Trust, Mortgage SARAH MACCRAIGER |
| Dec 20, 2017 | Deed of Trust, Mortgage · Commercial Mortgage ALPINE BANK |
| Mar 19, 2020 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS STATE BANK |
| Feb 6, 2019 | Warranty Deed, Transfer · Commercial Mortgage CITIZENS STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2019 · Amount on Record |
| Deed Sale | Feb 6, 2019 · Amount on Record |
| Prior Sale | Jan 30, 2014 · Amount on Record |
| Deed Document Number | 2019222454 |
| Prior Transfer Date | Nov 19, 2013 |
| Prior Transfer Doc | 0000211553 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 740 3RD ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 220071 |
|---|---|
| Date | Dec 20, 2017 |
| Instrument | 220071 |
| Name | SARAH MACCRAIGER |
|---|---|
| Type | Non-Lending Institution |
| Address | RIDGWAY, CO 81432 |
| Amount | Amount Recorded |
|---|---|
| Term | 1 Months |
| Due | Jan 10, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 740 3RD ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 220070 |
|---|---|
| Date | Dec 20, 2017 |
| Instrument | 220070 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Address | RIFLE, CO 81650 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 15, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 740 3RD ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 224938 |
|---|---|
| Date | Mar 19, 2020 |
| Instrument | 224938 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | OURAY, CO 81427 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 18, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Feb 6, 2019 |
| Property Address | 740 3RD ST, OURAY, CO 81427 |
| Document Number | 222454 |
| Instrument Date | Feb 6, 2019 |
| Instrument | 222454 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Title Company | LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $83.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 209 CANTRELL AVE, NASHVILLE, TN 37205-2419 |
| Document Number | 222455 |
|---|---|
| Date | Feb 6, 2019 |
| Instrument | 222455 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $28,018.00 (-5.23%) | $446,530 (-6.22%) Land $81,710 Building $364,820 | $1,732,870 (+0.16%) Land $342,050 Building $1,390,820 |
| 2024 | $29,563.00 (-11.61%) | $476,170 (-17.73%) Land $40,930 Building $435,240 | $1,730,100 (-25.25%) Land $153,660 Building $1,576,440 |
| 2023 | $33,447.00 | $578,780 Land $35,770 Building $543,010 | $2,314,480 Land $167,550 Building $2,146,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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