1085 1st St, Gardiner, OR 97441 Property Records

Douglas County property record for 1085 1st St, Gardiner, OR 97441

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,128 sqft · built 1876
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Jan 2021)
Tax Bill	$1,333 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-12W-22DB-01000`

Property Details

APN / Parcel Number

Primary APN	`21-12W-22DB-01000`
Alternative APN	`R64513`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Attic Area	432 sqft
Flooring	Carpet
Fireplace	Fireplace

Exterior

Year Built	Built 1876
Exterior Material	Aluminum/Vinyl
Foundation Type	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	7,841 sqft (0.18 acres)
Deck Area	192 sqft
Shed	1 Shed
Shed Area	220 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R64513
Street Address	1085 1ST ST
City	GARDINER
State	OR
Zip	97441-0048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	GARDINER, BLOCK 15, LOT 6 & 7, ACRES 0.18
Legal Range	12W
Legal Township	21S
Legal Section	22
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	GARDINER
Legal Block	15
Legal Lot Number	6-7 7
Jurisdiction	DOUGLAS OR
Township / Civil Division	REEDSPORT
Census Block Group	1
Census Block	1207
Census Tract	10000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Gardiner Historic District listed 1994 · 33 contributing resources · NRIS 93000003

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1085 1st St is owned by an individual who bought it in January 2021.

Source: Douglas County records, as of February 18, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 332, GARDINER, OR 97441-0332
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
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 8, 2021	Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Oct 25, 2007 · Amount on File
Deed Document Number	2021-000374
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS OR
Property Address	1085 1ST ST, GARDINER, OR 97441-0048
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 1ST ST, GARDINER, OR 97441-0048

Mortgage

Document Number	0000008269
Date	Jul 31, 2023
Instrument	2023-008269

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	GARDINER, OR 97441

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS OR
Recording Date	Jan 8, 2021
Property Address	1085 1ST ST, GARDINER, OR 97441-0048
Document Number	0000000374
Instrument Date	Dec 29, 2020
Instrument	2021-000374
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	WESTERN TITLE & ESCROW CO

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	PO BOX 332, GARDINER, OR 97441-0332

Mortgage

Document Number	0000000375
Date	Jan 8, 2021
Instrument	2021-000375

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1085 1st St was $1,333, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Douglas County
Unified School District	Reedsport School District 105 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,333.00 (+2.93%)	$82,493 (+3%)	$257,818 (+6.48%) Land $102,150 Building $155,668
2024	$1,295.00 (+2.86%)	$80,091 (+3%)	$242,130 (+4.88%) Land $95,850 Building $146,280
2023	$1,259.00 (+3.03%)	$77,759 (+6.09%)	$230,853 (+93.51%) Land $95,400 Building $135,453
2022	$1,222.00	$73,297	$119,296 Land $50,850 Building $68,446

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1085 1st St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	17 (1996–2012)
Claims Outside the SFHA	6 of 17
Most Recent Claim	Jan 2012 · Severe Winter Storm, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jan 2006 · 6 claims Flooding, Land, Mud Slides, High Winds,severe Storms, Nov 1996 · 7 claims

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 1085 1st St is low, with 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 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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