111 Cowlitz St, Umatilla, OR 97882 Property Records

Umatilla County property record for 111 Cowlitz St, Umatilla, OR 97882

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,024 sqft · built 1976
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$214,000 (Mar 2021)
Tax Bill	$1,912 (2023)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`5N2814BD00600`

Property Details

APN / Parcel Number

Primary APN	`5N2814BD00600`
Alternative APNs	`116037.00` `116037`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,024 sqft Finished Area
1st Floor Area	1,024 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.206 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	130 sqft
Utility Building	864 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	116037
Old Parcel Number	116037.00
Street Address	111 COWLITZ ST
City	UMATILLA
State	OR
Zip	97882-9641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 6 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	6
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	111 COWLITZ ST, UMATILLA, OR 97882-9641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 12, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Jun 6, 2012	Deed of Trust, Mortgage · VA Mortgage MORTGAGE INVESTORS CORP
Nov 30, 2016	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 1, 2021	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jul 15, 2011	Warranty Deed, Transfer · VA Mortgage DBA WESTCORP MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2021 · Amount on Record
Deed Sale	Mar 1, 2021 · Amount on Record
Prior Sale	Jul 15, 2011 · Amount on Record
Deed Document Number	2021-7160557
Record Updated	Jun 7, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	111 COWLITZ ST, UMATILLA, OR 97882-9641
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20186690470
Date	Mar 13, 2018
Instrument	2018-6690470

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	111 COWLITZ ST, UMATILLA, OR 97882-9641
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20206980421
Date	Mar 12, 2020
Instrument	2020-6980421

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	111 COWLITZ ST, UMATILLA, OR 97882-9641
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN ELS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20125920583
Date	Jun 6, 2012
Instrument	2012-5920583

Lender

Name	MORTGAGE INVESTORS CORP
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2042

Interest

Rate Type	Fixed Rate
Rate	2.5%
Type Change Date	Jul 1, 2015
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	3.5%
Index	1-Year T-Bill
Margin	2
Max Rate	7.5%

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	111 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

Mortgage

Document Number	20166510718
Date	Nov 30, 2016
Instrument	2016-6510718

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2046

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Mar 1, 2021
Property Address	111 COWLITZ ST, UMATILLA, OR 97882-9641
Document Number	20217160557
Instrument Date	Feb 16, 2021
Instrument	2021-7160557
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
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	Right of Survivorship
Address	111 COWLITZ ST, UMATILLA, OR 97882-9641

Mortgage

Document Number	20217160558
Date	Mar 1, 2021
Instrument	2021-7160558

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Jul 15, 2011
Property Address	111 COWLITZ ST, UMATILLA, OR 97882-9641
Document Number	20115800513
Instrument Date	Jul 15, 2011
Instrument	2011-5800513
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
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	PO BOX 142, UMATILLA, OR 97882-0142

Mortgage

Document Number	20115800514
Date	Jul 15, 2011
Instrument	2011-5800514

Lender

Name	DBA WESTCORP MORTGAGE GROUP

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2041

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	$1,912.00	$117,840 Land $49,110 Building $68,730	$211,870 Land $63,240 Building $148,630

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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