115 Cowlitz St, Umatilla, OR 97882 Property Records

Umatilla County property record for 115 Cowlitz St, Umatilla, OR 97882

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 1976
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$115,300 (Jul 2010)
Tax Bill	$2,051 (2023)
Deeds & Mortgages	Jul 2010 Sale & Mortgage Feb 2006 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5N2814BD00400`

Property Details

APN / Parcel Number

Primary APN	`5N2814BD00400`
Alternative APNs	`116033.00` `116033`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Finished Area
Gross Area	1,728 sqft
1st Floor Area	1,008 sqft
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
Parking Spaces	1 Parking Space

Exterior Amenities

Patio Area	400 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft
Utility Building	720 sqft

Location & Zoning

Account Number	116033
Old Parcel Number	116033.00
Street Address	115 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 4 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	4
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
Mailing Address	115 COWLITZ ST, UMATILLA, OR 97882-9641
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2010	Warranty Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA
Feb 24, 2006	Warranty Deed, Transfer · Conventional Mortgage HOME LOAN CENTER INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2010 · Amount on Record
Deed Sale	Jul 30, 2010 · Amount on Record
Prior Sale	Feb 24, 2006 · Amount on Record
Deed Document Number	2010-5680889
Record Updated	Jun 7, 2026

July 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Jul 30, 2010
Property Address	115 COWLITZ ST, UMATILLA, OR 97882-9641
Document Number	20105680889
Instrument Date	Jul 30, 2010
Instrument	2010-5680889
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
Address	PO BOX 627, STANFIELD, OR 97875-0627

Mortgage

Document Number	20105680890
Date	Jul 30, 2010
Instrument	2010-5680890

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2040

February 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Feb 24, 2006
Property Address	115 COWLITZ ST, UMATILLA, OR 97882-9641
Document Number	20064960623
Instrument Date	Feb 21, 2006
Instrument	2006-4960623
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	80515 SUZANNA DR, HERMISTON, OR 97838-6617

Mortgage

Document Number	20064960624
Date	Feb 24, 2006
Instrument	2006-4960624

Lender

Name	HOME LOAN CENTER INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2036

Mortgage

Document Number	20064960625
Date	Feb 24, 2006
Instrument	2006-4960625

Lender

Name	HOME LOAN CENTER INC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2021

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	$2,051.00	$126,390 Land $34,440 Building $91,950	$183,890 Land $63,240 Building $120,650

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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