Lane County property record for 1120 Spruce St, Florence, OR 97439
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,640 sqft · built 1978 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $296,450 (Jan 2020) |
| Tax Bill | $3,388 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-12-26-31-00601-000 |
| Primary APN | 18-12-26-31-00601-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,640 sqft Finished Area |
| 1st Floor Area | 1,800 sqft |
| Attic Area | 840 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 109 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Driveway | Driveway |
| Driveway Area | 572 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 384 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 1135787 |
|---|---|
| Street Address | 1120 SPRUCE ST |
| City | FLORENCE |
| State | OR |
| Zip | 97439-9634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-MULTI-FAMILY RES |
| Legal Description | SUBD:GALLAGHERS PART SEC/TWN/RNG/MER:SEC 26 TWN 18 RNG 12 |
| Legal Range | 12W |
| Legal Township | 18S |
| Legal Section | 26 |
| Legal Quarter | SW |
| Quarter-Quarter Section | NE |
| Legal Subdivision | GALLAGHERS PART |
| Legal Lot Number | 601 |
| Jurisdiction | LANE OR |
| Township / Civil Division | FLORENCE |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 707 |
1120 Spruce St is owned and occupied by two individuals who bought it in January 2020.
Source: Lane County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1120 SPRUCE ST, FLORENCE, OR 97439-9634 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Mar 8, 2021 | Deed of Trust, Mortgage · VA Mortgage LENDUS LLC |
| Jan 6, 2020 | Warranty Deed, Transfer · VA Mortgage USAA |
| Sep 22, 2017 | Bargain and Sale Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2020 · Amount on File |
| Deed Sale | Jan 6, 2020 · Amount on File |
| Prior Sale | Sep 22, 2017 · Amount on File |
| Deed Document Number | 2020-000548 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANE OR |
| Property Address | 1120 SPRUCE ST, FLORENCE, OR 97439-9634 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000008135 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 2022-008135 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANE OR |
| Property Address | 1120 SPRUCE ST, FLORENCE, OR 97439-9634 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015762 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 2021-015762 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ALAMO, CA 94507 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANE OR |
| Recording Date | Jan 6, 2020 |
| Property Address | 1120 SPRUCE ST, FLORENCE, OR 97439-9634 |
| Document Number | 0000000548 |
| Instrument Date | Jan 3, 2020 |
| Instrument | 548 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $296.45 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1120 SPRUCE ST FLORENCE OR 974399634, FLORENCE, OR 97439-9634 |
| Document Number | 549 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 549 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 5, 2050 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | LANE OR |
| Recording Date | Sep 22, 2017 |
| Property Address | 1120 SPRUCE ST, FLORENCE, OR 97439-9634 |
| Document Number | 0000047275 |
| Map Reference | VOL30 PG13 |
| Instrument Date | Sep 19, 2017 |
| Instrument | 2017-047275 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2021 |
| Title Company | NEXTITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1120 SPRUCE ST, FLORENCE, OR 97439-9634 |
| Document Number | 0000047276 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 2017-047276 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 1120 Spruce St was $3,388.
Source: Lane County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Lane County |
| Municipality | Florence City |
| Unified School District | Siuslaw School District 97J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,388.00 | $248,362 | $497,013 Land $78,703 Building $418,310 |
| 2023 | $3,199.00 (+4.2%) | $234,106 (+3%) | $559,327 (+13.29%) Land $68,719 Building $490,608 |
| 2022 | $3,070.00 | $227,288 | $493,731 Land $66,415 Building $427,316 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1120 Spruce 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 August 26, 2022 · 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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 4 (1992–2012) |
| Most Recent Claim | Jan 2012 · Severe Winter Storm, Flooding, Landslides, And Mudslides |
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 risk around 1120 Spruce 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FLORENCE serves 9,561 people · EPA ID OR4100299 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wind Wireless Fiber | 10,000 / 10,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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