1086 E Main St, Ashland, OR 97520 Property Records

Jackson County property record for 1086 E Main St, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,366 sqft · built 2018
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$439,000 (Jul 2024)
Tax Bill	$4,957 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`391E09AD6808`

Property Details

APN / Parcel Number

Primary APN	`391E09AD6808`
Alternative APNs	`391E09AD06808` `11008337`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,366 sqft Living Area
Gross Area	1,744 sqft
1st Floor Area	655 sqft
2nd Floor Area	711 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Covered Concrete/Masonry Porch

Location & Zoning

Street Address	1086 E MAIN ST
City	ASHLAND
State	OR
Zip	97520-2469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Range	01E
Legal Township	39S
Legal Section	09
Legal Quarter	1
Legal Subdivision	PHILLIPS CORNER
Legal Block	1
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1012
Census Tract	1900

Owner

Source: Jackson County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1086 E MAIN ST, ASHLAND, OR 97520-2469
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK OF COMMERCE
Dec 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK OF COMMERCE
May 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Prior Sale	Jan 26, 2021 · Amount on Record
Deed Document Number	202414471
Prior Transfer Date	May 23, 2022
Prior Transfer Doc	0000017543
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	1086 E MAIN ST, ASHLAND, OR 97520-2469
Transaction Type	Mortgage
Record Updated	Dec 12, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034529
Date	Dec 5, 2022
Instrument	2022-034529

Lender

Name	PEOPLES BANK OF COMMERCE
Type	Bank
Address	MEDFORD, OR 97504

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 5, 2047

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	1086 E MAIN ST, ASHLAND, OR 97520-2469
Transaction Type	Mortgage
Record Updated	Dec 12, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034525
Date	Dec 5, 2022
Instrument	2022-034525

Lender

Name	PEOPLES BANK OF COMMERCE
Type	Bank
Address	MEDFORD, OR 97504

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 5, 2047

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON OR
Recording Date	May 31, 2022
Property Address	1086 E MAIN ST, ASHLAND, OR 97520-2469
Document Number	0000017543
Map Reference	VOL 45 PG 13
Instrument Date	May 27, 2022
Instrument	2022-017543
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	FIRST AMERICAN

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	1886 E MAIN ST, ASHLAND, OR 97520-8703

Mortgage

Document Number	0000017544
Date	May 31, 2022
Instrument	2022-017544

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Ashland City
Unified School District	Ashland School District 5 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$322,410 (+3%)	$436,350 (+6.16%) Land $165,540 Building $270,810
2025	$4,957.00 (+2.14%)	$313,020 (+3%) Land $123,830 Building $189,190	$411,020 (-9.77%) Land $167,500 Building $243,520
2024	$4,853.00 (+3.37%)	$303,910 (+3%) Land $120,230 Building $183,680	$455,540 (-8.38%) Land $176,500 Building $279,040
2023	$4,695.00 (+3.32%)	$295,060 (+3%) Land $116,730 Building $178,330	$497,200 (+1.22%) Land $174,490 Building $322,710
2022	$4,544.00	$286,470 Land $113,330 Building $173,140	$491,210 Land $194,320 Building $296,890

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · lower than 88% of Oregon
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	ASHLAND WATER DEPARTMENT serves 20,946 people · EPA ID OR4100047
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 588 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
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Hunter Communications.

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