Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$3,477,971$900 / 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 87How 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 $3,400,000 on Nov 17, 2025

3640 PONDEROSA DR

RIDGWAY, CO 81432
4
Beds
4.5
Baths
3,866 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.
40 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$3.5M
$3M low$3.9M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$3,400,000 · Nov 17, 2025
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.$1,977,971
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,582,377
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.44%
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.$1,500,000
ALPINE BANK · recorded Nov 17, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,048 (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.$166,280 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,780
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$142,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$132,270
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,660,400

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.50
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
56
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
40
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.32 in
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.Custom Design
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.2010
Lot (acres)The size of the land the home sits on, from county records.40.00
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 1,712 ft²Porch · 248 ft²

Transaction History(2)

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.

M
Ridgway Middle SchoolA
Middle · Grades 6–8 · 3.6 mi
H
Ridgway High SchoolB+
High · Grades 9–12 · 3.6 mi
E
Ridgway Elementary SchoolB
Elementary · Grades PK–5 · 4.3 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.Absentee owner
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

3640 Ponderosa Dr 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.

  • Among the most valuable homes in Ridgway 81432
  • Costs more per square foot than 95% of homes in Ouray County
  • Bigger than 92% of homes in Ouray County
  • Has a bigger lot than 94% of homes in Ridgway 81432

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 almost all 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$3,477,971
CheaperTypical $1,020,225Pricier

Pricier than almost all homes nearby

Price per ft²$900
CheaperTypical $482Pricier

Pricier than 94% of homes nearby

Living area3,866 ft²
SmallerTypical 2,098 ft²Bigger

Bigger than 91% of homes nearby

Lot size40 ac
SmallerTypical 1.91 acBigger

Bigger than 94% of homes nearby

Year built2004
OlderTypical 2002Newer

Newer than 58% of homes nearby

How 3640 Ponderosa Dr ranks against every home in each area.
MeasureThis homeRidgway 81432Ouray County
Estimated valuepricier than$3,477,971almost all homesalmost all homes
Price per ft²pricier than$90094% of homes95% of homes
Living areabigger than3,866 ft²91% of homes92% of homes
Lot sizebigger than40 ac94% of homes94% of homes
Year builtnewer than200458% of homes64% of homes

About 3640 Ponderosa Dr

How much is 3640 Ponderosa Dr, Ridgway, CO worth?

The TopHap Estimate for 3640 Ponderosa Dr, Ridgway, CO is $3,477,971 as of Jul 14, 2026. The likely range is $3,035,704 to $3,920,238. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3640 Ponderosa Dr, Ridgway, CO last sell?

3640 Ponderosa Dr, Ridgway, CO last sold on Nov 17, 2025 for $3,400,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3640 Ponderosa Dr, Ridgway, CO?

3640 Ponderosa Dr, Ridgway, CO has 4 bedrooms, 4.5 bathrooms, 3,866 square feet of living space and a 40.00-acre lot.

When was 3640 Ponderosa Dr, Ridgway, CO built?

3640 Ponderosa Dr, Ridgway, CO was built in 2004, making it 22 years old. It is a custom design home. The building has 2 stories.

What schools serve 3640 Ponderosa Dr, Ridgway, CO?

3640 Ponderosa Dr, Ridgway, CO is assigned to Ridgway Middle School (middle), rated A; Ridgway High School (high), rated B+; Ridgway Elementary School (elementary), rated B. All sit in Ridgway School District R-2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3640 Ponderosa Dr, Ridgway, CO compare to other homes in Ridgway 81432?

Among the 2,038 homes in Ridgway 81432, it is worth more than almost all of them ($3,477,971 against a typical $1,020,225), its price per square foot is higher than 94% of them ($900 against a typical $482), it is bigger than 91% of them (3,866 ft² against a typical 2,098 ft²), its lot is bigger than 94% of them (40 ac against a typical 1.91 ac) and it is newer than 58% of them (2004 against a typical 2002). Measured against all of Ouray County, it is worth more than almost all 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 3640 Ponderosa Dr, Ridgway, CO?

The 2025 property tax bill for 3640 Ponderosa Dr, Ridgway, CO was $9,048. The county assessed it at $166,280.

Closest homes

More homes in Ridgway 81432

Assigned schools

Explore the area

See this home in context

Open 3640 Ponderosa Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map