Polk County property record for 123 River Oak Rd, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,342 sqft · built 1997 |
| Lot Size | 0.196 acres (8,548 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Aug 2017) |
| Tax Bill | $3,888 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-DB-00100 |
| Primary APN | 08428-DB-00100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,342 sqft Living Area |
| Gross Area | 1,793 sqft |
| 1st Floor Area | 1,342 sqft |
| 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 | 8,548 sqft (0.196 acres) |
| Garage Area | 451 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 207 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 531391 |
|---|---|
| Street Address | 123 RIVER OAK RD |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-9540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | RIVER OAK SUBDIVISION LOT 1 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | RIVER OAK SUBDIVISION |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 20305 |
123 River Oak Rd is owned and occupied by an individual who bought it in August 2017.
Source: Polk County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 123 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| 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.
| Date | Document |
|---|---|
| Feb 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2017 · Amount on File |
| Deed Sale | Aug 3, 2017 · Amount on File |
| Prior Sale | Sep 1, 2015 · Amount on File |
| Deed Document Number | 20179249 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 123 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000002333 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 2021-002333 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jan 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Aug 3, 2017 |
| Property Address | 123 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000009249 |
| Instrument Date | Aug 1, 2017 |
| Instrument | 2017-009249 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2021 |
| Title Company | FIDELITY NATL TITLE CO OF OR |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000009250 |
|---|---|
| Date | Aug 3, 2017 |
| Instrument | 2017-009250 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 123 River Oak Rd was $3,888, 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 | $220,720 (+3%) Land $84,060 Building $136,660 | $371,720 (-5.83%) Land $150,000 Building $221,720 | |
| 2025 | $3,888.00 (+3.79%) | $214,300 (+3%) Land $81,610 Building $132,690 | $394,750 (+2.17%) Land $150,600 Building $244,150 |
| 2024 | $3,746.00 (-2.52%) | $208,060 (+3%) Land $79,240 Building $128,820 | $386,360 (+4.09%) Land $148,000 Building $238,360 |
| 2023 | $3,843.00 (+8.96%) | $202,000 (+3%) Land $76,930 Building $125,070 | $371,190 (+10.47%) Land $141,500 Building $229,690 |
| 2022 | $3,527.00 | $196,120 Land $74,690 Building $121,430 | $336,020 Land $127,100 Building $208,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 River Oak Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 123 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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