1038 Oak St, Lake Oswego, OR 97034 Property Records

Clackamas County property record for 1038 Oak St, Lake Oswego, OR 97034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,141 sqft · built 1925
Lot Size	0.23 acres (9,998 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Apr 2019)
Tax Bill	$8,001 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21E10DB09400`

Property Details

APN / Parcel Number

Primary APN	`21E10DB09400`
Alternative APN	`00266456`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,141 sqft Living Area
Basement Area	144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood Shingle
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	9,998 sqft (0.23 acres)
Garage Area	374 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	00266456
Street Address	1038 OAK ST
City	LAKE OSWEGO
State	OR
Zip	97034-4834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7.5
Legal Description	79 SOUTH OSWEGO LTS 1 & 2 BLK 11
Legal Range	1E
Legal Township	2S
Legal Section	10
Legal Subdivision	SOUTH OSWEGO
Legal Block	11
Legal Lot Number	1,2
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	1
Census Block	1005
Census Tract	20503

Owner

1038 Oak St is owned and occupied by two individuals who bought it in April 2019.

Source: Clackamas County records, as of December 2, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1038 OAK ST, LAKE OSWEGO, OR 97034-4834
Occupancy	Owner Occupied
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
Nov 25, 2025	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Apr 29, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 18, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on File
Deed Sale	Apr 29, 2019 · Amount on File
Prior Sale	Jun 18, 2018 · Amount on File
Deed Document Number	201922552
Prior Transfer Date	Jun 7, 2018
Prior Transfer Doc	0000036887
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	1038 OAK ST, LAKE OSWEGO, OR 97034-4834
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 OAK ST, LAKE OSWEGO, OR 97034-4834

Mortgage

Document Number	0000046254
Date	Nov 25, 2025
Instrument	2025-046254

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	1038 OAK ST, LAKE OSWEGO, OR 97034-4834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055647
Date	Jul 17, 2020
Instrument	2020-055647

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

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

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Apr 29, 2019
Property Address	1038 OAK ST, LAKE OSWEGO, OR 97034-4834
Document Number	0000022552
Instrument Date	Apr 19, 2019
Instrument	2019-022552
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	FIRST AMERICAN TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1038 OAK ST, LAKE OSWEGO, OR 97034-4834

Mortgage

Document Number	0000022553
Date	Apr 29, 2019
Instrument	2019-022553

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Jun 18, 2018
Property Address	1038 OAK ST, LAKE OSWEGO, OR 97034-4834
Document Number	0000036887
Instrument Date	Jun 4, 2018
Instrument	36887
Transaction Type	Foreclosure
Record Updated	Jul 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$303.30
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20508 SW ROY ROGERS RD #147 SHERWOOD OR 971409931, 147, SHERWOOD, OR 97140-9931
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1038 Oak St was $8,001.

Source: Clackamas County assessment roll, as of October 29, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Clackamas County
Municipality	Lake Oswego City
Unified School District	Lake Oswego School District 7J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,001.00	$417,587	$911,332 Land $412,152 Building $499,180
2023	$7,559.00	$393,617	$891,666 Land $399,726 Building $491,940

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

Flood

FEMA maps place 1038 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 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
Nearby Flood Policies	1 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

The area around 1038 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	LAKE OSWEGO MUNICIPAL WATER serves 40,000 people · EPA ID OR4100457
Water Source	Purchased surface water from LAKE OSWEGO - TIGARD WATER SUPPLY
Last State Inspection	Oct 2025
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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