10 W Sprague St, Echo, OR 97826 Property Records

Umatilla County property record for 10 W Sprague St, Echo, OR 97826

Property Summary

Property Type	Commercial
Details	3 bd · 2 ba · 2,914 sqft · built 2001
Lot Size	5.94 acres (258,746 sqft)
Owner	Individual Name on Record
Tax Bill	$3,809 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`3N2916BD00801`

Property Details

APN / Parcel Number

Primary APN	`3N2916BD00801`
Alternative APNs	`156448.00` `156448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,914 sqft Gross Area
1st Floor Area	1,422 sqft
Attic	Attic
Attic Area	676 sqft
Family Room	Family Room

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	258,746 sqft (5.94 acres)
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	304 sqft
Deck Area	Deck Area
Patio Area	400 sqft
Shed	1 Shed
Shed Area	112 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	156448
Street Address	10 W SPRAGUE ST
City	ECHO
State	OR
Zip	97826-9121
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	POS
Legal Description	PARTITION PLAT 2000-26 LOT: PARCEL 2
Legal Range	29
Legal Township	03N
Legal Section	16
Legal Subdivision	PARTITION PLAT 2000-26
Legal Lot Number	2
Jurisdiction	UMATILLA OR
Township / Civil Division	HERMISTON-UMATILLA
Census Block Group	3
Census Block	3047
Census Tract	951300

Owner

Source: Umatilla County records, as of June 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 155, ECHO, OR 97826-0155
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 4, 2012
Transfer Doc	20125920625
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	10 W SPRAGUE, ECHO, OR 97826-9121
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 W SPRAGUE, ECHO, OR 97826-9121

Mortgage

Document Number	20230004885
Date	Jul 19, 2023
Instrument	2023-0004885

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Umatilla County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Umatilla County
Municipality	Echo City
Unified School District	Echo School District 5 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,809.00 (+4.84%)	$214,140 (+6.08%) Land $41,200 Building $172,940	$485,980 (+21.73%) Land $154,080 Building $331,900
2023	$3,633.00	$201,860 Land $38,830 Building $163,030	$399,240 Land $52,580 Building $346,660

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	3 (2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 2020 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 86% of Oregon
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ECHO serves 632 people · EPA ID OR4100270
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20