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Single Family ResidenceResidential
$838,171$482 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

1040 CHARLES ST

RIDGWAY, CO 81432
2
Beds
2
Baths
1,740 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2011
Year BuiltThe year the home was originally built, according to county records.

Valuation

$838K
$743K low$933K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$460,171
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$368,137
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.45%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$378,000
SYNERGY ONE LENDING · recorded Apr 26, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,040 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$45,450 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$31,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$62,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$727,180

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.52
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
48
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
89
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyOuray
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2015
Lot (acres)The size of the land the home sits on, from county records.0.14
HeatingThe type of heating system in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 380 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Ridgway Elementary SchoolB
Elementary · Grades PK–5 · 0.1 mi
M
Ridgway Middle SchoolA
Middle · Grades 6–8 · 0.8 mi
H
Ridgway High SchoolB+
High · Grades 9–12 · 0.8 mi

District: Ridgway School District R-2

Neighborhood · ZIP 81432These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.133

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.64%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.3,303
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.10 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,369
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$106,088
Average tempThe average temperature here across a full year.37°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.81%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1040 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 68% of homes in Ridgway 81432
  • Has a smaller lot than 93% of homes in Ridgway 81432
  • Newer than 80% of homes in Ouray County

What homes are worth in Ridgway 81432

Each bar is how many homes fall in that price range. The marker is this home.

This home
$320K$3.2M

This home is worth more than 32% of homes in Ridgway 81432.

How it measures up in Ridgway 81432

The dot is this home. The mark in the middle is the typical home in Ridgway 81432.

Estimated value$838,171
CheaperTypical $1,020,225Pricier

Pricier than 32% of homes nearby

Price per ft²$482
CheaperTypical $482Pricier

Pricier than 50% of homes nearby

Living area1,740 ft²
SmallerTypical 2,098 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.14 ac
SmallerTypical 1.91 acBigger

Bigger than 7% of homes nearby

Year built2011
OlderTypical 2002Newer

Newer than 76% of homes nearby

How 1040 Charles St ranks against every home in each area.
MeasureThis homeRidgway 81432Ouray County
Estimated valuepricier than$838,17132% of homes43% of homes
Price per ft²pricier than$48250% of homes54% of homes
Living areabigger than1,740 ft²36% of homes43% of homes
Lot sizebigger than0.14 ac7% of homes12% of homes
Year builtnewer than201176% of homes80% of homes

About 1040 Charles St

How much is 1040 Charles St, Ridgway, CO worth?

The TopHap Estimate for 1040 Charles St, Ridgway, CO is $838,171 as of Jul 14, 2026. The likely range is $742,955 to $933,387. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1040 Charles St, Ridgway, CO last sell?

1040 Charles St, Ridgway, CO last sold on Jul 7, 2010, according to the county's recorded deed.

How big is 1040 Charles St, Ridgway, CO?

1040 Charles St, Ridgway, CO has 2 bedrooms, 2 bathrooms, 1,740 square feet of living space and a 0.14-acre lot.

When was 1040 Charles St, Ridgway, CO built?

1040 Charles St, Ridgway, CO was built in 2011, making it 15 years old. It is a ranch home.

What schools serve 1040 Charles St, Ridgway, CO?

1040 Charles St, Ridgway, CO is assigned to Ridgway Elementary School (elementary), rated B; Ridgway Middle School (middle), rated A; Ridgway High School (high), rated B+. All sit in Ridgway School District R-2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Charles St, Ridgway, CO compare to other homes in Ridgway 81432?

Among the 2,038 homes in Ridgway 81432, it is worth more than 32% of them ($838,171 against a typical $1,020,225), its price per square foot is higher than 50% of them ($482 against a typical $482), it is bigger than 36% of them (1,740 ft² against a typical 2,098 ft²), its lot is bigger than 7% of them (0.14 ac against a typical 1.91 ac) and it is newer than 76% of them (2011 against a typical 2002). Measured against all of Ouray County, it is worth more than 43% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1040 Charles St, Ridgway, CO?

The 2025 property tax bill for 1040 Charles St, Ridgway, CO was $3,040. The county assessed it at $45,450.

Closest homes

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Assigned schools

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