1324 E Main St, Cottage Grove, OR 97424 Property Records

Lane County property record for 1324 E Main St, Cottage Grove, OR 97424

Property Summary

Property Type	Commercial Building, Warehouse, Showroom
Lot Size	0.316 acres (13,767 sqft)
Owner	Company Name on Record
Last Sale	$562,500 (Sep 2021)
Tax Bill	$5,932 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-03-28-42-06800-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-28-42-06800-000`
Alternative APNs	`2003284206800` `0898849`

Exterior

Lot Area	13,767 sqft (0.316 acres)

Location & Zoning

Account Number	0898849
Street Address	1324 E MAIN ST
City	COTTAGE GROVE
State	OR
Zip	97424-2236
Property Category	Commercial
Property Type	Commercial > Retail > Commercial Building, Warehouse, Showroom
Local Zoning Code	C2P
Legal Description	TL 06800
Legal Range	03
Legal Township	20
Legal Section	28
Legal Lot Number	6800
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	2
Census Block	2035
Census Tract	1301

Owner

Source: Lane County records, as of October 16, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 40, COTTAGE GROVE, OR 97424-0002
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Intrafamily Transfer, Transfer
Jul 14, 2020	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
Sep 16, 2021	Warranty Deed, Transfer · Commercial Mortgage BANNER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Jun 15, 1998
Deed Document Number	202160220
Last Transfer Date	Nov 15, 2022
Transfer Doc	0000046844
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANE OR
Recording Date	Nov 17, 2022
Property Address	1324 E MAIN ST, COTTAGE GROVE, OR 97424-2236
Document Number	0000046844
Instrument Date	Nov 15, 2022
Instrument	2022-046844
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 40, COTTAGE GROVE, OR 97424-0002

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 40, COTTAGE GROVE, OR 97424-0002
Investor	Possibly a Property Investor

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1324 E MAIN ST, COTTAGE GROVE, OR 97424-2236
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037275
Date	Jul 14, 2020
Instrument	2020-037275

Lender

Name	BANNER BANK
Type	Bank
Address	EUGENE, OR 97401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Sep 16, 2021
Property Address	1324 E MAIN ST, COTTAGE GROVE, OR 97424-2236
Document Number	0000060220
Instrument Date	Sep 15, 2021
Instrument	2021-060220
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32968 DILLARD RD, EUGENE, OR 97405-9645

Mortgage

Document Number	0000060221
Date	Sep 16, 2021
Instrument	2021-060221

Lender

Name	BANNER BANK
Type	Bank
Address	EUGENE, OR 97401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2041

Tax Assessment & Valuation

Source: Lane County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Cottage Grove City
Unified School District	South Lane School District 45J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,932.00 (+4.9%)	$324,694 (+6.09%)	$679,481 (-) Land $423,191 Building $256,290
2023	$5,655.00 (+4.03%)	$306,056 (+3%)	$679,481 (+26%) Land $423,191 Building $256,290
2022	$5,436.00	$297,142	$539,271 Land $335,866 Building $203,405

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 August 26, 2022 · 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	4 in force
Nearby Flood Claims	6 (1981–1984)
Most Recent Claim	Feb 1984 · rainfall accumulation

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	Indirect 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	CITY OF COTTAGE GROVE serves 10,879 people · EPA ID OR4100236
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	8 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Hunter Communications Fixed Wireless · Fiber in parts of the area	200 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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