Ouray County property record for 965 Main St, Ouray, CO 81427
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,344 sqft · built 1898 |
| Lot Size | 0.495 acres (21,563 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $535,000 (Jul 2021) |
| Tax Bill | $1,970 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R000667 |
| Primary APN | R000667 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,344 sqft Heated Area |
| Gross Area | 1,960 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Raised Ranch |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 21,563 sqft (0.495 acres) |
| Porch | Porch |
| Porch Area | 112 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Propane |
| Account Number | R000667 |
|---|---|
| Street Address | 965 MAIN ST |
| City | OURAY |
| State | CO |
| Zip | 81427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD: ANDREWS PLACER LOT: A PT OF TRACT A & C & PT OF LOT 14 CASCADE ADDITION S: 31 T: 44 R: 7 |
| Legal Range | 07 |
| Legal Township | 44 |
| Legal Section | 31 |
| Legal Subdivision | ANDREWS PLACER |
| Legal Tract | A |
| Legal Lot Number | A,14 |
| Jurisdiction | OURAY CO |
| Township / Civil Division | OURAY |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 967602 |
Source: Ouray County records, as of May 14, 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 1115, OURAY, CO 81427-1115 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2021 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS STATE BANK |
| Jul 14, 2021 | Warranty Deed, Transfer · Commercial Mortgage CITIZENS STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2021 · Amount on Record |
| Deed Sale | Jul 14, 2021 · Amount on Record |
| Prior Sale | Sep 14, 1979 · Amount on Record |
| Deed Document Number | 2021229531 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OURAY CO |
| Property Address | 965 MAIN ST, OURAY, CO 81427 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000229710 |
|---|---|
| Date | Aug 4, 2021 |
| Instrument | 229710 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | OURAY, CO 81427 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jul 12, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OURAY CO |
| Recording Date | Jul 14, 2021 |
| Property Address | 965 MAIN ST, OURAY, CO 81427 |
| Document Number | 229531 |
| Instrument Date | Jul 12, 2021 |
| Instrument | 229531 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $53.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 965 MAIN ST, 965, OURAY, CO 81427 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1115, OURAY, CO 81427-1115 |
| Document Number | 229532 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 229532 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,970.00 (+8.78%) | $29,620 (+1.51%) Land $21,190 Building $8,430 | $473,870 (+8.78%) Land $338,970 Building $134,900 |
| 2024 | $1,811.00 (-9.9%) | $29,180 (-9.32%) Land $20,160 Building $9,020 | $435,620 (-8.41%) Land $300,970 Building $134,650 |
| 2023 | $2,010.00 | $32,180 Land $22,230 Building $9,950 | $475,620 Land $328,610 Building $147,010 |
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 69% of the US · above 63% of Colorado |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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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