12103 Chiara Dr, Oregon City, OR 97045 Property Records

Clackamas County property record for 12103 Chiara Dr, Oregon City, OR 97045

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,317 sqft · built 1996
Lot Size	0.218 acres (9,539 sqft)
Owner	2 Owner Names on Record
Last Sale	$135,700 (Jun 1996)
Tax Bill	$5,319 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`32E06CC03300`

Property Details

APN / Parcel Number

Primary APN	`32E06CC03300`
Alternative APN	`01641780`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,317 sqft Living Area
1st Floor Area	1,317 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,539 sqft
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	01641780
Street Address	12103 CHIARA DR
City	OREGON CITY
State	OR
Zip	97045-6929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	3157 CHIARA TERR #2 LT 113
Legal Range	02E
Legal Township	03S
Legal Section	06
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	CHIARA TERR
Legal Lot Number	113
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	1
Census Block	1006
Census Tract	22606

Owner

Source: Clackamas County records, as of November 17, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	12103 CHIARA DR, OREGON CITY, OR 97045-6929
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit FEDERAL CREDIT UNION
Jul 24, 2018	Deed of Trust, Mortgage · Line of Credit CLACKAMAS COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 1996 · Amount on Record
Deed Sale	Jun 12, 1996 · Amount on Record
Prior Sale	Mar 13, 1996 · Amount on Record
Deed Document Number	96-042664
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	12103 CHIARA DR, OREGON CITY, OR 97045-6929
Transaction Type	Mortgage
Record Updated	Jul 21, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12103 CHIARA DR, OREGON CITY, OR 97045-6929

Mortgage

Document Number	0000024680
Date	Jul 12, 2023
Instrument	2023-024680

Lender

Name	FEDERAL CREDIT UNION
Type	Credit Union
Address	OREGON CITY, OR 97045

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	12103 CHIARA DR, OREGON CITY, OR 97045-6929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045870
Date	Jul 24, 2018
Instrument	2018-045870

Lender

Name	CLACKAMAS COMMUNITY FCU
Type	Credit Union
Address	OREGON CITY, OR 97045

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clackamas County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Clackamas County
Municipality	Oregon City
Unified School District	Oregon City School District 62 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,319.00 (+13%)	$265,495 (+6.09%)	$500,065 (+5.2%) Land $242,035 Building $258,030
2023	$4,707.00	$250,256	$475,348 Land $235,218 Building $240,130

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 April 12, 2026 · 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
Community Rating System	Class 6 (20% premium discount)
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

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	None beyond 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	OREGON CITY serves 33,940 people · EPA ID OR4101511
Water Source	Purchased surface water from SOUTH FORK WATER BOARD
Last State Inspection	Dec 2021
Lead	2 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	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 472 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Verizon.

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