107 N Mill St, Joseph, OR 97846 Property Records

Wallowa County property record for 107 N Mill St, Joseph, OR 97846

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,321 sqft · built 1900
Lot Size	0.286 acres (12,500 sqft)
Owner	Individual Name on File
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2024 Line of Credit
APN	`02S4530DD 4700`

Property Details

APN / Parcel Number

Primary APN	`02S4530DD 4700`
Alternative APN	`3036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,321 sqft Living Area
1st Floor Area	2,041 sqft
2nd Floor Area	1,200 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Lot Area	12,500 sqft (0.286 acres)
Lot Dimensions	250 ft deep x 50 ft wide
Deck Area	400 sqft

Location & Zoning

Account Number	3036
Street Address	107 N MILL ST
City	JOSEPH
State	OR
Zip	97846-8382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T2S R45E WM SEC 30 BAAP 305' OF NE COR LOT 1BLK 4, TOWN OF JOSEPH TH N 40'; TH W 250'; TH S 40'; TH E 250' TO POB .23 AC VOL 60 PG 21 64 603 ALSO: PART TL 4600JOSEPH; BAAP ON W LI OF MILL ST,SD PT BEING N 345' FR NECOR BLK 4, ORIGINAL TOWN OF
Legal Range	45E
Legal Township	02S
Legal Section	30
Legal Block	4
Jurisdiction	WALLOWA OR
Township / Civil Division	JOSEPH
Census Block Group	1
Census Block	1042
Census Tract	960100

Owner

107 N Mill St is owned and occupied by an individual who acquired it in November 2010.

Source: Wallowa County records, as of January 12, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	107 N MILL ST, JOSEPH, OR 97846-8382
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Jun 17, 2024	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2010
Deed Sale	Nov 2, 2010
Deed Document Number	064426
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLOWA OR
Property Address	107 N MILL ST, JOSEPH, OR 97846-8382
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	ASPIRE TITLE COMPANY, SPRUCE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000085152
Date	Oct 25, 2021
Instrument	85152

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	6.87%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALLOWA OR
Property Address	107 N MILL ST, JOSEPH, OR 97846-8382
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089333
Date	Jun 17, 2024
Instrument	89333

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 107 N Mill St was $2,556, up 3% from the year before.

Source: Wallowa County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Wallowa County
Municipality	Joseph City
Unified School District	Joseph School District 6 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,556.00 (+3.02%)	$208,237 (+3%) Land $37,041 Building $171,196	$606,050 (+1.96%) Land $107,620 Building $498,430
2024	$2,481.00 (+2.99%)	$202,172 (+3%) Land $36,270 Building $165,902	$594,400 (+9.8%) Land $105,730 Building $488,670
2023	$2,409.00 (+2.99%)	$196,284 (+3%) Land $40,557 Building $155,727	$541,360 (-0.41%) Land $97,120 Building $444,240
2022	$2,339.00	$190,567 Land $40,004 Building $150,563	$543,600 Land $112,320 Building $431,280

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

Flood

FEMA has no flood map on file for 107 N Mill St; there have been 1 flood claim nearby since 2002.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2002)
Most Recent Claim	Oct 2002 · rainfall accumulation

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 107 N Mill St is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 74% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 JOSEPH serves 1,182 people · EPA ID OR4100414
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Feb 2019
Monitoring and Reporting	3 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000

Cell Coverage

4G LTE only, no 5G reported

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