1185 Howard Ct, Independence, OR 97351 Property Records

Polk County property record for 1185 Howard Ct, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,412 sqft · built 1977
Lot Size	0.198 acres (8,601 sqft)
Owner	Individual Name on File
Last Sale	$163,500 (Aug 2011)
Tax Bill	$3,965 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08420-DC-05700`

Property Details

APN / Parcel Number

Primary APN	`08420-DC-05700`
Alternative APN	`305202`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area
Gross Area	1,964 sqft
1st Floor Area	1,412 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,601 sqft (0.198 acres)
Garage Area	552 sqft
Parking Spaces	4 Parking Spaces
Pool Area	700 sqft
Deck Area	200 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	305202
Street Address	1185 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 12 BLOCK 6
Legal Range	4W
Legal Township	08S
Legal Section	20
Legal Subdivision	ASH BROOK ADDITION - PHASE II
Legal Block	6
Legal Lot Number	12
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	20305

Owner

1185 Howard Ct is owned and occupied by an individual who bought it in August 2011.

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

Owner of Record	Individual Name on File
Mailing Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638
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
Apr 28, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED FINANCE INC
Aug 7, 2018	Loan Modification, Mortgage · VA Mortgage MIDAMERICA MTG
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2011 · Amount on File
Deed Sale	Aug 10, 2011 · Amount on File
Prior Sale	Jun 17, 2009 · Amount on File
Deed Document Number	20117284
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000003145
Date	Apr 28, 2023
Instrument	2023-003145

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000019637
Date	Dec 15, 2021
Instrument	2021-019637

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638
Document Number	0000003215
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 HOWARD CT INDEPENDENCE OR 973519638, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000003215
Date	Mar 6, 2020
Instrument	3215

Lender

Name	UNITED FINANCE INC
Type	Bank
Address	17822 17TH ST # 110, TUSTIN, CA 92780-2159

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK OR
Property Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638
Document Number	0000010627
Instrument Date	Aug 7, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 HOWARD CT INDEPENDENCE OR 973519638, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000010627
Date	Sep 10, 2018
Instrument	10627

Lender

Name	MIDAMERICA MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	1185 HOWARD CT, INDEPENDENCE, OR 97351-9638
Document Number	0000004464
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 HOWARD CT INDEPENDENCE OR 973519638, INDEPENDENCE, OR 97351-9638

Mortgage

Document Number	0000004464
Date	Apr 17, 2017
Instrument	4464

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	SALEM, OR 97301-1266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1185 Howard Ct was $3,965, up 3.8% from the year before.

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		$223,770 (+3%) Land $60,200 Building $163,570	$435,540 (-4.86%) Land $155,000 Building $280,540
2025	$3,965.00 (+3.8%)	$217,260 (+3%) Land $58,450 Building $158,810	$457,810 (+3.39%) Land $154,300 Building $303,510
2024	$3,820.00 (-2.5%)	$210,940 (+3%) Land $56,750 Building $154,190	$442,820 (-1.48%) Land $142,000 Building $300,820
2023	$3,918.00 (+8.92%)	$204,800 (+3%) Land $55,090 Building $149,710	$449,490 (+11.7%) Land $143,200 Building $306,290
2022	$3,597.00	$198,840 Land $53,480 Building $145,360	$402,420 Land $122,500 Building $279,920

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

Flood

FEMA maps place 1185 Howard Ct in Zone X, an area of minimal flood risk.

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 File 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

The area around 1185 Howard Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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