116 Naches St, Umatilla, OR 97882 Property Records

Umatilla County property record for 116 Naches St, Umatilla, OR 97882

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1979
Lot Size	0.202 acres (8,803 sqft)
Owner	Individual Name on File
Last Sale	$274,950 (Nov 2022)
Tax Bill	$2,435 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Nov 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5N2814BD02000`

Property Details

APN / Parcel Number

Primary APN	`5N2814BD02000`
Alternative APNs	`116079.00` `116079`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
Gross Area	2,438 sqft
1st Floor Area	1,046 sqft
Basement Area	960 sqft
Finished Basement	528 sqft
Unfinished Basement	432 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood
Roof Type	Gable
Lot Area	8,803 sqft (0.202 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Deck Area	280 sqft
Patio Area	280 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	116079
Street Address	116 NACHES ST
City	UMATILLA
State	OR
Zip	97882-9607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MCNARY TOWNSITE DIVISION #7 BLOCK: 2 LOT: 2
Legal Range	28
Legal Township	05N
Legal Section	14
Legal Subdivision	MCNARY TOWNSITE DIVISION #7
Legal Block	2
Legal Lot Number	2
Jurisdiction	UMATILLA OR
Township / Civil Division	HERMISTON-UMATILLA
Census Block Group	1
Census Block	1028
Census Tract	950800

Owner

116 Naches St is owned and occupied by an individual who bought it in November 2022.

Source: Umatilla County records, as of May 20, 2026

Owner of Record	Individual Name on File
Mailing Address	116 NACHES ST, UMATILLA, OR 97882-9607
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2019	Deed of Trust, Mortgage DOREEN K CKIRGAN
Nov 4, 2024	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 21, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2022 · Amount on File
Deed Sale	Nov 21, 2022 · Amount on File
Deed Document Number	20227490434
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	116 NACHES ST, UMATILLA, OR 97882-9607
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20196870618
Date	Jul 3, 2019
Instrument	2019-6870618

Lender

Name	DOREEN K CKIRGAN
Type	Private Party
Address	SEATTLE, WA 98116

Agreement

Amount	Amount on Record

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	116 NACHES ST, UMATILLA, OR 97882-9607
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 NACHES ST, UMATILLA, OR 97882-9607

Mortgage

Document Number	0202407678
Date	Nov 4, 2024
Instrument	2024-07678

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Nov 21, 2022
Property Address	116 NACHES ST, UMATILLA, OR 97882-9607
Document Number	20227490434
Instrument Date	Nov 17, 2022
Instrument	2022-7490434
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	PIONEER TITLE CO

Transaction

Amount	Amount 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
Address	116 NACHES ST, UMATILLA, OR 97882-9607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 NACHES ST, UMATILLA, OR 97882-9607

Mortgage

Document Number	20227490435
Date	Nov 21, 2022
Instrument	2022-7490435

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Mortgage

Document Number	20227490436
Date	Nov 21, 2022
Instrument	2022-7490436

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 116 Naches St was $2,435.

Source: Umatilla County assessment roll, as of March 11, 2026

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
2025	$2,435.00	$150,600 Land $39,410 Building $111,190	$258,140 Land $66,000 Building $192,140
2023	$2,304.00	$141,970 Land $37,150 Building $104,820	$252,730 Land $63,240 Building $189,490

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

Flood

FEMA maps place 116 Naches St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 116 Naches St is moderate, ranking above 62% of the US, with a 0.2% annual chance of 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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