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335 4th Street, Ouray, CO, 81427

2beds
2baths
2,280sqft
$1,025,000
$450price/sqft
$5,803/moest. monthly cost
$232,120/yrincome needed

About This Home

Wonderful Historic home built in c. 1890 with a lot of Ouray history and located in one of the best locations in the City. Listed as contributing in the 2005 City of Ouray Historic Inventory. This is a 2-bedroom, 2-bath with a queen Murphy bed in the family room. Ideal for a home office with immediate access to Ouray's outdoor adventures. Enjoy a spacious front porch with mountain views. There is a great backyard patio under the aspen foliage. The house was remodeled in the mid-2000's and has continually been updated. Restoration completed in 2009, including a back family room and detached garaage/workshop. New exterior paint job completed in the fall of 2025. Very clean and ready to move in.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

--
Ouray Elementary SchoolGrades PK-40.3 mi
--
Ouray Middle SchoolGrades 5-80.3 mi
8/10
Ouray Senior High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1888

Materials

  • Foundation: Rock and Mortar
  • Roof: Composition
  • Construction materials: Wood,Wood Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Stick Built

Interior

Basement

  • Has basement: Yes
  • Basement: Basement-below grade,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total structure area: 2,280
  • Total interior livable area: 2,280 sqft

Master Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 451531404003

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 6,969 sqft

Parking

  • Total spaces: 1
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Landslide
    LandslideVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Lightning
Winter Weather
Avalanche
Wildfire

FEMA Declared Disasters Across Colorado Counties

Fire
Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,182$62,184
Home Insurance *$230$2,760
Property Taxes $205$2,460
Electricity $186$2,232
Total$5,803$69,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,960/yr
40% on housing$174,090/yr
45% on housing$154,746/yr

Colorado FAIR Plan Programs

Colorado FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 17.6%
17.6%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 7.3%
7.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$450This listing

vs Other Active Listings

Avg $/sqft

ZIP 81427$464
Ouray County$522

vs Homes Sold Last Month

Median $/sqft

ZIP 81427$403
Ouray County$468

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-17Price change$1,025,000
2026-06-12Listed for sale$1,225,000

For Sale by Agent

AgentCarl Cockle
BrokerageKeller Williams Realty Southwest Associates, LLC - Montrose

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