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Single Family ResidenceResidential
$682,668$465 / 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
Last sold for $619,500 on Oct 20, 2021

112 SPRUCE LN

RIDGWAY, CO 81432
3
Beds
3
Baths
1,468 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.
0.85 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$683K
$607K low$759K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$619,500 · Oct 20, 2021
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.$187,068
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$149,654
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.69%
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.$495,600
CORNERSTONE HOME LENDING INC · recorded Oct 20, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,388 (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.$40,070 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,030
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$34,040
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$30,560
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$641,140

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.53
17
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
43
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
53
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.14 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
CountyOuray
Lot (acres)The size of the land the home sits on, from county records.0.85
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
Ouray Elementary School
Elementary · Grades PK–6 · 7.2 mi
H
Ouray High SchoolA
High · Grades 9–12 · 7.2 mi
M
Ouray Middle School
Middle · Grades 7–8 · 7.2 mi

District: Ouray School District R-1

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

112 Spruce Ln 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 84% of homes in Ridgway 81432
  • Smaller than 76% of homes in Ridgway 81432
  • Has a smaller lot than 69% of homes in Ridgway 81432
  • Newer than 92% 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
$346K$3M

This home is worth more than 16% 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$682,668
CheaperTypical $1,018,540Pricier

Pricier than 16% of homes nearby

Price per ft²$465
CheaperTypical $480Pricier

Pricier than 44% of homes nearby

Living area1,468 ft²
SmallerTypical 2,107 ft²Bigger

Bigger than 24% of homes nearby

Lot size0.85 ac
SmallerTypical 1.91 acBigger

Bigger than 31% of homes nearby

Year built2021
OlderTypical 2002Newer

Newer than 90% of homes nearby

How 112 Spruce Ln ranks against every home in each area.
MeasureThis homeRidgway 81432Ouray County
Estimated valuepricier than$682,66816% of homes25% of homes
Price per ft²pricier than$46544% of homes49% of homes
Living areabigger than1,468 ft²24% of homes30% of homes
Lot sizebigger than0.85 ac31% of homes40% of homes
Year builtnewer than202190% of homes92% of homes

About 112 Spruce Ln

How much is 112 Spruce Ln, Ridgway, CO worth?

The TopHap Estimate for 112 Spruce Ln, Ridgway, CO is $682,668 as of Jul 14, 2026. The likely range is $606,635 to $758,701. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 112 Spruce Ln, Ridgway, CO last sell?

112 Spruce Ln, Ridgway, CO last sold on Oct 20, 2021 for $619,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 112 Spruce Ln, Ridgway, CO?

112 Spruce Ln, Ridgway, CO has 3 bedrooms, 3 bathrooms, 1,468 square feet of living space and a 0.85-acre lot.

When was 112 Spruce Ln, Ridgway, CO built?

112 Spruce Ln, Ridgway, CO was built in 2021, making it 5 years old. The building has 2 stories.

What schools serve 112 Spruce Ln, Ridgway, CO?

112 Spruce Ln, Ridgway, CO is assigned to Ouray Elementary School (elementary); Ouray High School (high), rated A; Ouray Middle School (middle). All sit in Ouray School District R-1. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 112 Spruce Ln, Ridgway, CO compare to other homes in Ridgway 81432?

Among the 2,038 homes in Ridgway 81432, it is worth more than 16% of them ($682,668 against a typical $1,018,540), its price per square foot is higher than 44% of them ($465 against a typical $480), it is bigger than 24% of them (1,468 ft² against a typical 2,107 ft²), its lot is bigger than 31% of them (0.85 ac against a typical 1.91 ac) and it is newer than 90% of them (2021 against a typical 2002). Measured against all of Ouray County, it is worth more than 25% 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 112 Spruce Ln, Ridgway, CO?

The 2025 property tax bill for 112 Spruce Ln, Ridgway, CO was $2,388. The county assessed it at $40,070.

Closest homes

More homes in Ridgway 81432

Assigned schools

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