1165 Howard Ct, Independence, OR 97351 Property Records

Polk County property record for 1165 Howard Ct, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,295 sqft · built 1977
Lot Size	0.147 acres (6,407 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Oct 2018)
Tax Bill	$3,059 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08420-DC-05500`

Property Details

APN / Parcel Number

Primary APN	`08420-DC-05500`
Alternative APN	`305187`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,295 sqft Living Area
Gross Area	1,715 sqft
1st Floor Area	1,295 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,407 sqft (0.147 acres)
Garage Area	420 sqft
Parking Spaces	4 Parking Spaces
Deck Area	74 sqft
Patio Area	214 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	305187
Street Address	1165 HOWARD CT
City	INDEPENDENCE
State	OR
Zip	97351-9638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	ASH BROOK ADDITION - PHASE II LOT 10 BLOCK 6
Legal Range	4W
Legal Township	08S
Legal Section	20
Legal Subdivision	ASH BROOK ADDITION - PHASE II
Legal Block	6
Legal Lot Number	10
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	20305

Owner

Source: Polk County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1165 HOWARD CT, INDEPENDENCE, OR 97351-9638
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY CU
Jan 14, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Oct 22, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2018 · Amount on Record
Deed Sale	Oct 22, 2018 · Amount on Record
Prior Sale	Apr 9, 2013 · Amount on Record
Deed Document Number	201812358
Last Transfer Date	Jan 10, 2020
Transfer Doc	0000000606
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	1165 HOWARD CT, INDEPENDENCE, OR 97351-9638
Transaction Type	Mortgage
Record Updated	May 24, 2022
Title Company	SPOKANE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 HOWARD CT, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000005798
Date	May 12, 2022
Instrument	2022-005798

Lender

Name	FIRST TECHNOLOGY CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK OR
Recording Date	Jan 14, 2022
Property Address	1165 HOWARD CT, INDEPENDENCE, OR 97351-9638
Document Number	0000000606
Instrument Date	Jan 10, 2020
Instrument	2022-000606
Transaction Type	Transfer
Record Updated	Jan 28, 2022
Title Company	FIDELITY NATIONAL TITLE

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
Relationship	Tenants by the Entirety
Address	1165 HOWARD CT, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000000607
Date	Jan 14, 2022
Instrument	2022-000607

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Oct 22, 2018
Property Address	1165 HOWARD CT, INDEPENDENCE, OR 97351-9638
Document Number	0000012358
Instrument Date	Oct 22, 2018
Instrument	2018-012358
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATIONAL TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 HOWARD CT, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000012359
Date	Oct 22, 2018
Instrument	2018-012359

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$172,650 (+2.99%) Land $54,660 Building $117,990	$364,930 (+6.11%) Land $150,000 Building $214,930
2025	$3,059.00 (+3.8%)	$167,630 (+3%) Land $53,070 Building $114,560	$343,910 (-5.83%) Land $135,000 Building $208,910
2024	$2,947.00 (-2.51%)	$162,750 (+3%) Land $51,520 Building $111,230	$365,190 (-1.44%) Land $137,000 Building $228,190
2023	$3,023.00 (+8.94%)	$158,010 (+3%) Land $50,020 Building $107,990	$370,540 (+6.56%) Land $138,200 Building $232,340
2022	$2,775.00	$153,410 Land $48,560 Building $104,850	$347,730 Land $117,500 Building $230,230

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 October 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399
Water Source	Groundwater
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) action level 15 ppb
Copper	1.45 mg/L (2021–2023) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Willamette Valley Fiber Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hunter Communications.

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