10195 Oak Hill Rd, Independence, OR 97351 Property Records

Polk County property record for 10195 Oak Hill Rd, Independence, OR 97351

Property Summary

Property Type	Farm - Irrigated or Dry
Details	2 bd · 2 ba · 3,399 sqft · built 1994
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Jan 2022)
Tax Bill	$6,531 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09416-00-00601`

Property Details

APN / Parcel Number

Primary APN	`09416-00-00601`
Alternative APN	`212399`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,399 sqft Gross Area
1st Floor Area	2,827 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft
View / Lot	Good
Garage Area	572 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Patio Area	556 sqft
Shed	1 Shed
Shed Area	864 sqft
Utility Building	960 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	212399
Street Address	10195 OAK HILL RD
City	INDEPENDENCE
State	OR
Zip	97351-9524
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Local Zoning Code	EFU
Legal Description	ONE STORY
Legal Range	4W
Legal Township	09S
Legal Section	16
Legal Subdivision	HENRY HILLS
Legal Block	2
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	2
Census Block	2036
Census Tract	20306

Owner

10195 Oak Hill Rd, an agricultural property, is owned by two individuals who bought it in January 2022.

Source: Polk County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10195 OAK HILL RD, INDEPENDENCE, OR 97351-9524
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU
Jan 4, 2022	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2022 · Amount on File
Deed Sale	Jan 4, 2022 · Amount on File
Prior Sale	Oct 27, 2010 · Amount on File
Deed Document Number	202294
Prior Transfer Date	Jan 30, 2012
Prior Transfer Doc	0000000884
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	10195 OAK HILL RD, INDEPENDENCE, OR 97351-9524
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001376
Date	Feb 28, 2024
Instrument	2024-001376

Lender

Name	USALLIANCE FCU
Type	Credit Union
Address	CHELMSFORD, MA 01824

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Jan 4, 2022
Property Address	10195 OAK HILL RD, INDEPENDENCE, OR 97351-9524
Document Number	0000000094
Instrument Date	Jan 3, 2022
Instrument	2022-000094
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	AMERITITLE

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
Relationship	Tenants by the Entirety
Address	10195 OAK HILL RD, INDEPENDENCE, OR 97351-9524

Mortgage

Document Number	0000000095
Date	Jan 4, 2022
Instrument	2022-000095

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

Tax Assessment & Valuation

The 2025 property tax bill for 10195 Oak Hill Rd was $6,531, up 4.1% from the year before.

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$517,860 (+3%) Land $169,110 Building $348,750	$877,980 (+1.48%) Land $425,000 Building $452,980
2025	$6,531.00 (+4.13%)	$502,780 (+3%) Land $164,180 Building $338,600	$865,190 (-10.79%) Land $425,000 Building $440,190
2024	$6,272.00 (-6.02%)	$488,140 (+3%) Land $159,400 Building $328,740	$969,860 (+5.62%) Land $476,800 Building $493,060
2023	$6,674.00 (+13.87%)	$473,930 (+3%) Land $154,770 Building $319,160	$918,260 (+1.12%) Land $453,400 Building $464,860
2022	$5,861.00	$460,130 Land $150,260 Building $309,870	$908,110 Land $427,360 Building $480,750

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

Flood

FEMA maps place 10195 Oak Hill Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 28, 2021 · 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
Flood Insurance Cost	Premium on File median of 43 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	43 in force

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 10195 Oak Hill Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.9% of Oregon
Wildfire Likelihood	Under 0.01% 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	LUCKIAMUTE DOMESTIC WATER COOP private · serves 2,738 people · EPA ID OR4100538
Water Source	Purchased surface water from CITY OF FALLS CITY
Last State Inspection	Oct 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	55 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Peak Internet Fixed Wireless	250 / 40

May also be available: Hunter Communications.

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