Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$1,000,700$506 / 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 88How 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 $100,000 on Jan 19, 2017

664 TERRACE DR

RIDGWAY, CO 81432
2
Beds
2
Baths
1,979 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.
1.12 ac
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.

Valuation

$1M
$882K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$100,000 · Jan 19, 2017
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.$630,600
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$504,480
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.34%
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.$200,000
ALPINE BANK RIDGWAY · recorded Nov 8, 2017
2nd 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.$170,100
CORNERSTONE HOME LENDING INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,081 (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.$61,010 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,330
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$39,680
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,010
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$976,190

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.
49
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.
44
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.8 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.Custom Design
CountyOURAY
Lot (acres)The size of the land the home sits on, from county records.1.12
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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 · 1.0 mi
H
Ridgway High SchoolB+
High · Grades 9–12 · 1.0 mi
E
Ridgway Elementary SchoolB
Elementary · Grades PK–5 · 1.3 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

664 Terrace 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.

  • Newer than 88% 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
$327K$3.3M

This home is worth more than 48% 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$1,000,700
CheaperTypical $1,020,275Pricier

Pricier than 48% of homes nearby

Price per ft²$506
CheaperTypical $482Pricier

Pricier than 60% of homes nearby

Living area1,979 ft²
SmallerTypical 2,098 ft²Bigger

Bigger than 45% of homes nearby

Lot size1.12 ac
SmallerTypical 1.91 acBigger

Bigger than 43% of homes nearby

Year built2018
OlderTypical 2002Newer

Newer than 85% of homes nearby

How 664 Terrace Dr ranks against every home in each area.
MeasureThis homeRidgway 81432Ouray County
Estimated valuepricier than$1,000,70048% of homes58% of homes
Price per ft²pricier than$50660% of homes63% of homes
Living areabigger than1,979 ft²45% of homes53% of homes
Lot sizebigger than1.12 ac43% of homes48% of homes
Year builtnewer than201885% of homes88% of homes

About 664 Terrace Dr

How much is 664 Terrace Dr, Ridgway, CO worth?

The TopHap Estimate for 664 Terrace Dr, Ridgway, CO is $1,000,700 as of Jul 14, 2026. The likely range is $882,015 to $1,119,385. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 664 Terrace Dr, Ridgway, CO last sell?

664 Terrace Dr, Ridgway, CO last sold on Jan 19, 2017 for $100,000, according to the county's recorded deed.

How big is 664 Terrace Dr, Ridgway, CO?

664 Terrace Dr, Ridgway, CO has 2 bedrooms, 2 bathrooms, 1,979 square feet of living space and a 1.12-acre lot.

When was 664 Terrace Dr, Ridgway, CO built?

664 Terrace Dr, Ridgway, CO was built in 2018, making it 8 years old. It is a custom design home.

What schools serve 664 Terrace Dr, Ridgway, CO?

664 Terrace 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 664 Terrace Dr, Ridgway, CO compare to other homes in Ridgway 81432?

Among the 2,038 homes in Ridgway 81432, it is worth more than 48% of them ($1,000,700 against a typical $1,020,275), its price per square foot is higher than 60% of them ($506 against a typical $482), it is bigger than 45% of them (1,979 ft² against a typical 2,098 ft²), its lot is bigger than 43% of them (1.12 ac against a typical 1.91 ac) and it is newer than 85% of them (2018 against a typical 2002). Measured against all of Ouray County, it is worth more than 58% 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 664 Terrace Dr, Ridgway, CO?

The 2025 property tax bill for 664 Terrace Dr, Ridgway, CO was $4,081. The county assessed it at $61,010.

Closest homes

More homes in Ridgway 81432

Assigned schools

Explore the area

See this home in context

Open 664 Terrace 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