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Single Family ResidenceResidential
$1,004,037$503 / 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 95How 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

870 CHIPETA DR

RIDGWAY, CO 81432
2
Beds
2
Baths
1,996 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1M
$949K low$1.1M high
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.$661,337
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$529,070
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.30%
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.$292,700
BANK OF AMERICA NA · recorded Nov 23, 2009
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.$50,000
CITIZENS STATE BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,226 (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.$63,170 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$38,170
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$61,030
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,010,770

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.59
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
50
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.1 percent flood zone

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.0.29
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 650 ft²

Transaction History(1)

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
Ridgway Elementary SchoolB
Elementary · Grades PK–5 · 0.4 mi
M
Ridgway Middle SchoolA
Middle · Grades 6–8 · 1.1 mi
H
Ridgway High SchoolB+
High · Grades 9–12 · 1.1 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.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

870 Chipeta 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.

  • Has a smaller lot than 77% 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
$333K$3.1M

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$1,004,037
CheaperTypical $1,020,275Pricier

Pricier than 48% of homes nearby

Price per ft²$503
CheaperTypical $483Pricier

Pricier than 58% of homes nearby

Living area1,996 ft²
SmallerTypical 2,101 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.29 ac
SmallerTypical 1.92 acBigger

Bigger than 23% of homes nearby

Year built2000
OlderTypical 2002Newer

Newer than 47% of homes nearby

How 870 Chipeta Dr ranks against every home in each area.
MeasureThis homeRidgway 81432Ouray County
Estimated valuepricier than$1,004,03748% of homes59% of homes
Price per ft²pricier than$50358% of homes62% of homes
Living areabigger than1,996 ft²46% of homes53% of homes
Lot sizebigger than0.29 ac23% of homes30% of homes
Year builtnewer than200047% of homes54% of homes

About 870 Chipeta Dr

How much is 870 Chipeta Dr, Ridgway, CO worth?

The TopHap Estimate for 870 Chipeta Dr, Ridgway, CO is $1,004,037 as of Jul 14, 2026. The likely range is $948,988 to $1,059,086. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 870 Chipeta Dr, Ridgway, CO?

870 Chipeta Dr, Ridgway, CO has 2 bedrooms, 2 bathrooms, 1,996 square feet of living space and a 0.29-acre lot.

When was 870 Chipeta Dr, Ridgway, CO built?

870 Chipeta Dr, Ridgway, CO was built in 2000, making it 26 years old. The building has 2 stories.

What schools serve 870 Chipeta Dr, Ridgway, CO?

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

How does 870 Chipeta 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 ($1,004,037 against a typical $1,020,275), its price per square foot is higher than 58% of them ($503 against a typical $483), it is bigger than 46% of them (1,996 ft² against a typical 2,101 ft²), its lot is bigger than 23% of them (0.29 ac against a typical 1.92 ac) and it is newer than 47% of them (2000 against a typical 2002). Measured against all of Ouray County, it is worth more than 59% 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 870 Chipeta Dr, Ridgway, CO?

The 2025 property tax bill for 870 Chipeta Dr, Ridgway, CO was $4,226. The county assessed it at $63,170.

Closest homes

More homes in Ridgway 81432

Assigned schools

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