108 McCoy St, Moro, OR 97039 Property Records

Sherman County property record for 108 McCoy St, Moro, OR 97039

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,396 sqft · built 1901
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,188 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`01S1718AD 900`

Property Details

APN / Parcel Number

Primary APN	`01S1718AD 900`
Alternative APNs	`001S17W18AD 00900` `00001396` `1396`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,396 sqft Living Area

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Account Number	00001396
Street Address	108 MCCOY ST
City	MORO
State	OR
Zip	97039-3086
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	17W
Legal Township	1S
Legal Section	18
Legal Subdivision	ORIGINAL TOWN NOW CITY OF MORO
Legal Lot Number	900
Jurisdiction	SHERMAN OR
Township / Civil Division	MORO
Census Block Group	1
Census Block	1044
Census Tract	950100

Owner

108 McCoy St is owned by two individuals who acquired it in July 2019.

Source: Sherman County records, as of November 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 169, MORO, OR 97039-0169
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
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jul 29, 2019	Intrafamily Transfer, Transfer · Construction Mortgage BANK OF EASTERN OREGON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 24, 2019
Transfer Doc	0020190212
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERMAN OR
Property Address	108 MCCOY ST, MORO, OR 97039-3086
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 MCCOY ST, MORO, OR 97039-3086

Mortgage

Document Number	20210005
Date	Jan 13, 2021
Instrument	2021-0005

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHERMAN OR
Recording Date	Jul 29, 2019
Property Address	108 MCCOY ST, MORO, OR 97039-3086
Document Number	0020190212
Instrument Date	Jul 24, 2019
Instrument	2019-0212
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERITITLE

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	Tenants by the Entirety
Address	PO BOX 169, MORO, OR 97039-0169

Mortgage

Document Number	0020190213
Date	Jul 29, 2019
Instrument	2019-0213

Lender

Name	BANK OF EASTERN OREGON
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	14 Months
Due	Sep 29, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 108 McCoy St was $1,188.

Source: Sherman County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Sherman County
Municipality	Moro City
Unified School District	Sherman School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,188.00	$58,220	$176,300 Land $19,700 Building $156,600
2023	$1,120.00	$54,890	$174,760 Land $18,160 Building $156,600

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

Flood

FEMA maps place 108 McCoy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 21, 2025 · 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

Wildfire risk around 108 McCoy St is high, ranking above 82% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 52% of Oregon
Wildfire Likelihood	0.6% 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 MORO serves 350 people · EPA ID OR4100542
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	40 / 3
Azure Standard Fixed Wireless	25 / 10
AT&T Fixed Wireless	25 / 3

May also be available: Blue Mountain Net, Mosier WiNet.

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