12965 SE Bluff Dr, Clackamas, OR 97015 Property Records

Clackamas County property record for 12965 SE Bluff Dr, Clackamas, OR 97015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,959 sqft · built 1993
Lot Size	0.232 acres (10,136 sqft)
Owner	Individual Name on File
Last Sale	$329,000 (Dec 2006)
Tax Bill	$6,602 (2025)
Deeds & Mortgages	May 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22E11BD04115`

Property Details

APN / Parcel Number

Primary APN	`22E11BD04115`
Alternative APN	`01547516`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,959 sqft Living Area
1st Floor Area	1,959 sqft

Exterior

Year Built	Built 1993
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,136 sqft
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	01547516
Street Address	12965 SE BLUFF DR
City	CLACKAMAS
State	OR
Zip	97015-9273
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8.5
Legal Description	3008 WINCHESTER ESTATES LT 15
Legal Range	02E
Legal Township	02S
Legal Section	11
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	WINCHESTER ESTATES
Legal Lot Number	15
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	3
Census Block	3015
Census Tract	22105

Owner

12965 SE Bluff Dr is owned and occupied by an individual who bought it in December 2006.

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

Owner of Record	Individual Name on File
Mailing Address	12965 SE BLUFF DR, CLACKAMAS, OR 97015-9273
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2006 · Amount on File
Deed Sale	Dec 29, 2006 · Amount on File
Deed Document Number	2006-119239
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	12965 SE BLUFF DR, CLACKAMAS, OR 97015-9273
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12965 SE BLUFF DR, CLACKAMAS, OR 97015-9273

Mortgage

Document Number	0000017889
Date	May 22, 2024
Instrument	2024-017889

Lender

Name	EMBOLD FCU
Type	Credit Union
Address	OREGON CITY, OR 97045

Agreement

Amount	Amount on Record
Term	84 Months
Due	May 20, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 12965 SE Bluff Dr was $6,602.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Clackamas County
Unified School District	North Clackamas School District 12 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,602.00	$346,745	$551,432 Land $221,492 Building $329,940
2023	$6,189.00	$326,841	$534,152 Land $212,452 Building $321,700

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

Flood

FEMA maps place 12965 SE Bluff Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12965 SE Bluff Dr 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	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	SUNRISE WATER AUTHORITY serves 50,003 people · EPA ID OR4100635
Water Source	Purchased surface water from several systems
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) 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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20