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Single Family ResidenceResidential
$822,403$428 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $70,000 on Aug 16, 2004

74 SPRUCE LN

RIDGWAY, CO 81432
2
Beds
2
Baths
1,920 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.
1.11 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$822K
$748K low$896K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$70,000 · Aug 16, 2004
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.$607,203
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$485,762
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.26%
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.$215,200
QUICKEN LOANS INC · recorded Oct 5, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,008 (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.$50,480 (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.$44,450
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,270
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$807,770

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
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.1.11
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Floor/Wall Furnace
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 · 128 ft²Porch · 64 ft²

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 · 7.1 mi
H
Ouray High SchoolA
High · Grades 9–12 · 7.1 mi
M
Ouray Middle School
Middle · Grades 7–8 · 7.1 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

74 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 69% of homes in Ridgway 81432
  • Costs less per square foot than 70% of homes in Ridgway 81432
  • Newer than 72% 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 31% 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$822,403
CheaperTypical $1,018,540Pricier

Pricier than 31% of homes nearby

Price per ft²$428
CheaperTypical $480Pricier

Pricier than 30% of homes nearby

Living area1,920 ft²
SmallerTypical 2,107 ft²Bigger

Bigger than 43% of homes nearby

Lot size1.11 ac
SmallerTypical 1.91 acBigger

Bigger than 42% of homes nearby

Year built2006
OlderTypical 2002Newer

Newer than 67% of homes nearby

How 74 Spruce Ln ranks against every home in each area.
MeasureThis homeRidgway 81432Ouray County
Estimated valuepricier than$822,40331% of homes41% of homes
Price per ft²pricier than$42830% of homes36% of homes
Living areabigger than1,920 ft²43% of homes50% of homes
Lot sizebigger than1.11 ac42% of homes48% of homes
Year builtnewer than200667% of homes72% of homes

About 74 Spruce Ln

How much is 74 Spruce Ln, Ridgway, CO worth?

The TopHap Estimate for 74 Spruce Ln, Ridgway, CO is $822,403 as of Jun 23, 2026. The likely range is $748,386 to $896,419. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 74 Spruce Ln, Ridgway, CO last sell?

74 Spruce Ln, Ridgway, CO last sold on Aug 16, 2004 for $70,000, according to the county's recorded deed.

How big is 74 Spruce Ln, Ridgway, CO?

74 Spruce Ln, Ridgway, CO has 2 bedrooms, 2 bathrooms, 1,920 square feet of living space and a 1.11-acre lot.

When was 74 Spruce Ln, Ridgway, CO built?

74 Spruce Ln, Ridgway, CO was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 74 Spruce Ln, Ridgway, CO?

74 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 74 Spruce Ln, Ridgway, CO compare to other homes in Ridgway 81432?

Among the 2,038 homes in Ridgway 81432, it is worth more than 31% of them ($822,403 against a typical $1,018,540), its price per square foot is higher than 30% of them ($428 against a typical $480), it is bigger than 43% of them (1,920 ft² against a typical 2,107 ft²), its lot is bigger than 42% of them (1.11 ac against a typical 1.91 ac) and it is newer than 67% of them (2006 against a typical 2002). Measured against all of Ouray County, it is worth more than 41% 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 74 Spruce Ln, Ridgway, CO?

The 2025 property tax bill for 74 Spruce Ln, Ridgway, CO was $3,008. The county assessed it at $50,480.

Closest homes

More homes in Ridgway 81432

Assigned schools

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