Ouray County property record for 809 4th St, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,089 sqft · built 1898 |
| Lot Size | 0.901 acres (39,248 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $600,000 (Jun 2026) |
| Tax Bill | $1,731 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000925 |
| Primary APN | R000925 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,089 sqft Heated Area |
| Gross Area | 1,383 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Victorian |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 39,248 sqft (0.901 acres) |
| Porch | Porch |
| Porch Area | 70 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | R000925 |
|---|---|
| Street Address | 809 4TH ST |
| City | OURAY |
| State | CO |
| Zip | 81427-5027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 3 |
| Legal Description | SUBD: CITY OF OURAY LOT: 2 BLOCK: 24 PORTION OF LOT 2 SUBD: CITY OF OURAY LOT: 3 BLOCK: 24 S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | CITY OF OURAY |
| Legal Block | 24 |
| Legal Lot Number | 2-3 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3077 |
| Census Tract | 967602 |
Source: Ouray County records, as of June 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 971, OURAY, CO 81427-0971 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 28, 2025 | Deed of Trust, Mortgage · Line of Credit CANVAS CU |
| Jun 1, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage LAND TITLE GUARANTEE |
| Jun 1, 2026 | Quit Claim Deed, Transfer LAND TITLE GUARANTEE |
| Apr 8, 2014 | Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on Record |
| Deed Sale | Jun 1, 2026 · Amount on Record |
| Prior Sale | Apr 8, 2014 · Amount on Record |
| Deed Document Number | 2026241474 |
| Prior Transfer Date | May 27, 2026 |
| Prior Transfer Doc | 0000241473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 809 4TH ST, OURAY, CO 81427-5027 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 809 4TH ST, OURAY, CO 81427-5027 |
| Document Number | 0000239343 |
|---|---|
| Date | May 28, 2025 |
| Instrument | 239343 |
| Name | CANVAS CU |
|---|---|
| Type | Credit Union |
| Address | ENGLEWOOD, CO 80155 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 15, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Jun 1, 2026 |
| Property Address | 809 4TH ST, OURAY, CO 81427-5027 |
| Document Number | 0000241474 |
| Instrument Date | May 29, 2026 |
| Instrument | 2026241474 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,060.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000241474, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 2026241474 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Jun 1, 2026 |
| Property Address | 809 4TH ST, OURAY, CO 81427-5027 |
| Document Number | 0000241473 |
| Instrument Date | May 27, 2026 |
| Instrument | 2026241473 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | LAND TITLE GUARANTEE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2671 JUNIPER AVE, BOULDER, CO 80304-2409 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Apr 8, 2014 |
| Property Address | 809 4TH ST, OURAY, CO 81427-5027 |
| Document Number | 211823 |
| Instrument Date | Apr 2, 2014 |
| Instrument | 211823 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Title Company | LAND TITLE GUARANTEE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2671 JUNIPER AVE, BOULDER, CO 80304-2409 |
| Document Number | 0000211824 |
|---|---|
| Date | Apr 8, 2014 |
| Instrument | 211824 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2029 |
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 | $1,731.00 (+23.38%) | $26,030 (+15.18%) Land $7,960 Building $18,070 | $416,530 (+23.52%) Land $127,410 Building $289,120 |
| 2024 | $1,403.00 (+6.94%) | $22,600 (-11.44%) Land $5,650 Building $16,950 | $337,220 (-10.6%) Land $84,300 Building $252,920 |
| 2023 | $1,312.00 | $25,520 Land $6,380 Building $19,140 | $377,220 Land $94,300 Building $282,920 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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