1346 River Oak Rd, Independence, OR 97351 Property Records

Polk County property record for 1346 River Oak Rd, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 2001
Lot Size	0.181 acres (7,885 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jul 2011)
Tax Bill	$3,404 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08428-DB-03800`

Property Details

APN / Parcel Number

Primary APN	`08428-DB-03800`
Alternative APN	`563409`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
Gross Area	1,684 sqft
1st Floor Area	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,885 sqft (0.181 acres)
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces
Patio Area	230 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	563409
Street Address	1346 RIVER OAK RD
City	INDEPENDENCE
State	OR
Zip	97351-9567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	OAK CREEK ADDITION LOT 2
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	OAK CREEK ADDITION
Legal Block	4
Legal Lot Number	2
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	4
Census Block	4014
Census Tract	20305

Owner

1346 River Oak Rd is owned and occupied by two individuals who bought it in July 2011.

Source: Polk County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1346 RIVER OAK RD, INDEPENDENCE, OR 97351-9567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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	2 Names on Deed
Last Sale	Jul 22, 2011 · Amount on File
Deed Sale	Jul 22, 2011 · Amount on File
Deed Document Number	20116749
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	1346 RIVER OAK RD, INDEPENDENCE, OR 97351-9567
Document Number	0000011615
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1346 RIVER OAK RD INDEPENDENCE OR 973519567, INDEPENDENCE, OR 97351-9567

Mortgage

Document Number	0000011615
Date	Sep 28, 2017
Instrument	11615

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1346 River Oak Rd was $3,404, up 3.8% from the year before.

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$193,280 (+2.99%) Land $53,940 Building $139,340	$368,190 (-5.18%) Land $150,000 Building $218,190
2025	$3,404.00 (+3.78%)	$187,660 (+3%) Land $52,370 Building $135,290	$388,310 (+2.16%) Land $150,600 Building $237,710
2024	$3,280.00 (-2.53%)	$182,200 (+3%) Land $50,840 Building $131,360	$380,110 (+4.09%) Land $148,000 Building $232,110
2023	$3,365.00 (+8.97%)	$176,900 (+3%) Land $49,360 Building $127,540	$365,170 (+12.39%) Land $141,500 Building $223,670
2022	$3,088.00	$171,750 Land $47,920 Building $123,830	$324,900 Land $116,000 Building $208,900

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

Flood

FEMA maps place 1346 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

Wildfire risk around 1346 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.

Drinking Water

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

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 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