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Single Family ResidenceResidential
$448,728$632 / 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 65How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

645 4TH ST

OURAY, CO 81427
2
Beds
1
Baths
710 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.
1,742 ft²
Lot SizeThe size of the land the home sits on, from county records.
1898
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$449K
$292K low$606K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,010 (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.$15,190 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,010
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$10,180
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$12,830
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$242,940

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.51
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
39
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
61
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.7 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.Victorian
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.1995
Lot (acres)The size of the land the home sits on, from county records.0.04
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 0.1 mi
H
Ouray High SchoolA
High · Grades 9–12 · 0.1 mi
M
Ouray Middle School
Middle · Grades 7–8 · 0.1 mi

District: Ouray School District R-1

Neighborhood · ZIP 81427These 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.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.127

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.63%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.289
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.7 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,000
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,843
Average tempThe average temperature here across a full year.31°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.81%

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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

645 4th 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 94% of homes in Ouray County
  • Costs more per square foot than 88% of homes in Ouray 81427
  • Smaller than 95% of homes in Ouray 81427
  • Has a smaller lot than 97% of homes in Ouray County
  • Older than 94% of homes in Ouray County

What homes are worth in Ouray 81427

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

This home
$349K$2.1M

This home is worth more than 8% of homes in Ouray 81427.

How it measures up in Ouray 81427

The dot is this home. The mark in the middle is the typical home in Ouray 81427.

Estimated value$448,728
CheaperTypical $741,199Pricier

Pricier than 8% of homes nearby

Price per ft²$632
CheaperTypical $447Pricier

Pricier than 88% of homes nearby

Living area710 ft²
SmallerTypical 1,625 ft²Bigger

Bigger than 5% of homes nearby

Lot size1,742 ft²
SmallerTypical 0.17 acBigger

Bigger than 10% of homes nearby

Year built1898
OlderTypical 1984Newer

Newer than 20% of homes nearby

How 645 4th St ranks against every home in each area.
MeasureThis homeOuray 81427Ouray County
Estimated valuepricier than$448,7288% of homes6% of homes
Price per ft²pricier than$63288% of homes84% of homes
Living areabigger than710 ft²5% of homes5% of homes
Lot sizebigger than1,742 ft²10% of homes3% of homes
Year builtnewer than189820% of homes6% of homes

About 645 4th St

How much is 645 4th St, Ouray, CO worth?

The TopHap Estimate for 645 4th St, Ouray, CO is $448,728 as of Sep 24, 2026. The likely range is $291,815 to $605,641. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 4th St, Ouray, CO last sell?

645 4th St, Ouray, CO last sold on Dec 18, 1998, according to the county's recorded deed.

How big is 645 4th St, Ouray, CO?

645 4th St, Ouray, CO has 2 bedrooms, 1 bathrooms, 710 square feet of living space and a 0.04-acre lot.

When was 645 4th St, Ouray, CO built?

645 4th St, Ouray, CO was built in 1898, making it 128 years old. It is a victorian home. The building has 1 story.

What schools serve 645 4th St, Ouray, CO?

645 4th St, Ouray, 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 645 4th St, Ouray, CO compare to other homes in Ouray 81427?

Among the 861 homes in Ouray 81427, it is worth more than 8% of them ($448,728 against a typical $741,199), its price per square foot is higher than 88% of them ($632 against a typical $447), it is bigger than 5% of them (710 ft² against a typical 1,625 ft²), its lot is bigger than 10% of them (1,742 ft² against a typical 0.17 ac) and it is newer than 20% of them (1898 against a typical 1984). Measured against all of Ouray County, it is worth more than 6% 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 645 4th St, Ouray, CO?

The 2025 property tax bill for 645 4th St, Ouray, CO was $1,010. The county assessed it at $15,190.

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