1015 Clay St, Ashland, OR 97520 Property Records

Jackson County property record for 1015 Clay St, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,818 sqft · built 1965
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$409,000 (Oct 2019)
Tax Bill	$6,014 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`391E14CB6300`

Property Details

APN / Parcel Number

Primary APN	`391E14CB6300`
Alternative APNs	`391E14CB06300` `10920595`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,818 sqft Living Area
Gross Area	2,123 sqft
1st Floor Area	1,818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	305 sqft
Parking Spaces	1 Parking Space
Pool Area	450 sqft
Patio Area	774 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1015 CLAY ST
City	ASHLAND
State	OR
Zip	97520-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Range	01E
Legal Township	39S
Legal Section	14
Legal Quarter	3
Legal Subdivision	PARTITION PLAT P-64-1998
Legal Block	4
Legal Lot Number	1
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	4
Census Block	4006
Census Tract	2200

Owner

1015 Clay St is owned by an individual who acquired it in January 2022.

Source: Jackson County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	857 E 5TH AVE, DURANGO, CO 81301-5318
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit AIM CU
Jan 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage WILLAMETTE VALLEY BANK
Oct 21, 2019	Warranty Deed, Transfer · Conventional Mortgage WILLAMETTE VALLEY BANK
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2019 · Amount on File
Deed Sale	Oct 21, 2019 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Document Number	201931970
Last Transfer Date	Jan 25, 2022
Transfer Doc	0000003420
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	1015 CLAY ST, ASHLAND, OR 97520-3612
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	TICOR CP, TICOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 CLAY ST, ASHLAND, OR 97520-3612

Mortgage

Document Number	0000013666
Date	Apr 26, 2022
Instrument	2022-013666

Lender

Name	AIM CU
Type	Credit Union
Address	OWENSVILLE, MO 65066

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON OR
Recording Date	Jan 31, 2022
Property Address	1015 CLAY ST, ASHLAND, OR 97520-3612
Document Number	0000003420
Instrument Date	Jan 25, 2022
Instrument	2022-003420
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1015 CLAY ST, ASHLAND, OR 97520-3612

Mortgage

Document Number	0000003421
Date	Jan 31, 2022
Instrument	2022-003421

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	1015 CLAY ST, ASHLAND, OR 97520-3612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017457
Date	May 29, 2020
Instrument	2020-017457

Lender

Name	WILLAMETTE VALLEY BANK
Type	Bank
Address	SALEM, OR 97301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Oct 21, 2019
Property Address	1015 CLAY ST, ASHLAND, OR 97520-3612
Document Number	0000031970
Instrument Date	Oct 21, 2019
Instrument	2019-031970
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 CLAY ST, ASHLAND, OR 97520-3612

Mortgage

Document Number	0000031971
Date	Oct 21, 2019
Instrument	2019-031971

Lender

Name	WILLAMETTE VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Jun 30, 2017
Property Address	1015 CLAY ST, ASHLAND, OR 97520-3612
Document Number	0000022535
Instrument Date	Jun 27, 2017
Instrument	22535
Transaction Type	Transfer
Record Updated	Jul 6, 2017
Title Company	AMERITITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	275 TERRACE ST ASHLAND OR 975202834, ASHLAND, OR 97520-2834

Mortgage

Document Number	22537
Date	Jun 30, 2017
Instrument	22537

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1015 Clay St was $6,014, up 2.2% from the year before.

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$391,140 (+3%)	$545,940 (+4.52%) Land $230,040 Building $315,900
2025	$6,014.00 (+2.16%)	$379,750 (+3%) Land $139,100 Building $240,650	$522,330 (+0.39%) Land $227,400 Building $294,930
2024	$5,887.00 (+3.35%)	$368,690 (+3%) Land $135,040 Building $233,650	$520,280 (-7.89%) Land $220,200 Building $300,080
2023	$5,696.00 (+3.32%)	$357,960 (+3%) Land $131,120 Building $226,840	$564,870 (-6%) Land $339,650 Building $225,220
2022	$5,513.00	$347,540 Land $127,310 Building $220,230	$600,900 Land $369,870 Building $231,030

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

Flood

FEMA maps place 1015 Clay St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Jan 2008 · river or lake flooding

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

Wildfire risk around 1015 Clay St is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · lower than 62% of Oregon
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	ASHLAND WATER DEPARTMENT serves 20,946 people · EPA ID OR4100047
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 317 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
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hunter Communications.

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