109 Cowlitz St, Umatilla, OR 97882 Property Records

Umatilla County property record for 109 Cowlitz St, Umatilla, OR 97882

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,854 sqft · built 1976
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$135,900 (Jun 2014)
Tax Bill	$2,572 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2016 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5N2814BD00700`

Property Details

APN / Parcel Number

Primary APN	`5N2814BD00700`
Alternative APNs	`116038.00` `116038`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,854 sqft Finished Area
Gross Area	3,294 sqft
1st Floor Area	1,854 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Concrete Block
Lot Area	9,000 sqft (0.206 acres)
Garage Area	336 sqft

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	312 sqft
Utility Building	1,128 sqft

Location & Zoning

Account Number	116038
Old Parcel Number	116038.00
Street Address	109 COWLITZ ST
City	UMATILLA
State	OR
Zip	97882-9641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 7 BLOCK 3 MCNARY TOWNSITE DIVISION #4
Legal Range	28E
Legal Township	05N
Legal Section	14
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	MCNARY TOWNSITE DIVISION #4
Legal Block	3
Legal Lot Number	7
Jurisdiction	UMATILLA OR
Township / Civil Division	HERMISTON-UMATILLA
Census Block Group	1
Census Block	1028
Census Tract	950800

Owner

Source: Umatilla County records, as of March 4, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	109 COWLITZ ST, UMATILLA, OR 97882-9641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 22, 2016	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 13, 2014	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 18, 2013	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2014 · Amount on File
Deed Sale	Jun 13, 2014 · Amount on File
Prior Sale	Jun 18, 2013
Deed Document Number	2014-6170886
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	109 COWLITZ ST, UMATILLA, OR 97882-9641
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20217180148
Date	Mar 29, 2021
Instrument	2021-7180148

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Apr 1, 2045

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	109 COWLITZ ST, UMATILLA, OR 97882-9641
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	20166480676
Date	Sep 22, 2016
Instrument	2016-6480676

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Feb 1, 2045

June 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Jun 13, 2014
Property Address	109 COWLITZ ST, UMATILLA, OR 97882-9641
Document Number	20146170886
Instrument Date	Jun 7, 2014
Instrument	2014-6170886
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE 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
Address	109 COWLITZ ST, UMATILLA, OR 97882-9641
Investor	Possibly a Property Investor

Mortgage

Document Number	20146170887
Date	Jun 13, 2014
Instrument	2014-6170887

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2044

June 2013: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UMATILLA OR
Recording Date	Jun 18, 2013
Property Address	109 COWLITZ ST, UMATILLA, OR 97882-9641
Document Number	20136060550
Map Reference	MB10 PG14
Instrument Date	May 24, 2013
Instrument	2013-6060550
Transaction Type	Transfer
Record Updated	Mar 31, 2026

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

Tax Assessment & Valuation

Source: Umatilla County assessment roll, as of September 30, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,572.00	$158,510 Land $33,660 Building $124,850	$223,930 Land $63,240 Building $160,690

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 June 2, 2016

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	Moderate above 62% of the US · lower than 75% 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 UMATILLA serves 8,256 people · EPA ID OR4100914
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Mountain Net Cable · Fixed Wireless	300 / 30

May also be available: Verizon.

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