Polk County property record for 1203 River Oak Rd, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,494 sqft · built 1997 |
| Lot Size | 0.134 acres (5,831 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $434,900 (Oct 2025) |
| Tax Bill | $3,975 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-DB-00500 |
| Primary APN | 08428-DB-00500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,494 sqft Living Area |
| Gross Area | 1,914 sqft |
| 1st Floor Area | 1,494 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,831 sqft (0.134 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 324 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 531432 |
|---|---|
| Street Address | 1203 RIVER OAK RD |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-9539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | RIVER OAK SUBDIVISION LOT 5 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | RIVER OAK SUBDIVISION |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 20305 |
1203 River Oak Rd is owned and occupied by two individuals who bought it in October 2025.
Source: Polk County records, as of May 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1203 RIVER OAK RD, INDEPENDENCE, OR 97351-9539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Oct 2, 2025 | Warranty Deed, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Jul 2, 2020 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Aug 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2025 · Amount on File |
| Deed Sale | Oct 2, 2025 · Amount on File |
| Prior Sale | Jul 2, 2020 · Amount on File |
| Deed Document Number | 20257572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Oct 2, 2025 |
| Property Address | 1203 RIVER OAK RD, INDEPENDENCE, OR 97351-9539 |
| Document Number | 0000007572 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 2025-007572 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1203 RIVER OAK RD, INDEPENDENCE, OR 97351-9539 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Jul 2, 2020 |
| Property Address | 1203 RIVER OAK RD, INDEPENDENCE, OR 97351-9539 |
| Document Number | 0000009137 |
| Instrument Date | Jun 18, 2020 |
| Instrument | 9137 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2020 |
| Title Company | FIRST AMERICAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $292.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1203 RIVER OAK RD INDEPENDENCE OR 973519539, INDEPENDENCE, OR 97351-9539 |
| Document Number | 9138 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 9138 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 1203 RIVER OAK RD, INDEPENDENCE, OR 97351-9539 |
| Document Number | 0000011248 |
| Instrument Date | Aug 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1203 RIVER OAK RD INDEPENDENCE OR 973519539, INDEPENDENCE, OR 97351-9539 |
| Document Number | 0000011248 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | 11248 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | SALEM, OR 97301-1266 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1203 River Oak Rd was $3,975, up 3.8% from the year before.
Source: Polk County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Polk County |
| Municipality | Independence City |
| Unified School District | Central School District 13J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $225,670 (+3%) Land $56,120 Building $169,550 | $385,340 (-5.93%) Land $150,000 Building $235,340 | |
| 2025 | $3,975.00 (+3.79%) | $219,100 (+3%) Land $54,480 Building $164,620 | $409,640 (+2.19%) Land $150,600 Building $259,040 |
| 2024 | $3,830.00 (-2.52%) | $212,720 (+3%) Land $52,900 Building $159,820 | $400,860 (+4.08%) Land $148,000 Building $252,860 |
| 2023 | $3,929.00 (+8.96%) | $206,530 (+3%) Land $51,360 Building $155,170 | $385,160 (+13.88%) Land $141,500 Building $243,660 |
| 2022 | $3,606.00 | $200,520 Land $49,860 Building $150,660 | $338,220 Land $116,000 Building $222,220 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1203 River Oak Rd 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 |
| Nearby Flood Policies | 2 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 risk around 1203 River Oak Rd 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 263 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 |
| Hunter Communications Fixed Wireless | 200 / 20 |
| CenturyLink DSL | 140 / 20 |
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