Polk County property record for 1405 River Oak Rd, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,398 sqft · built 2003 |
| Lot Size | 0.18 acres (7,849 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Aug 2026) |
| Tax Bill | $3,568 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-DC-01600 |
| Primary APN | 08428-DC-01600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,398 sqft Living Area |
| Gross Area | 1,838 sqft |
| 1st Floor Area | 1,398 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Plywood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,849 sqft (0.18 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 565224 |
|---|---|
| Street Address | 1405 RIVER OAK RD |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-9573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | FREEDOM ESTATES LOT 16 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | FREEDOM ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 16 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 20305 |
Source: Polk County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1405 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Sep 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 23, 2022 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2026 · Amount on Record |
| Deed Sale | Aug 25, 2026 · Amount on Record |
| Prior Sale | Sep 1, 2023 · Amount on Record |
| Deed Document Number | 20266763 |
| Prior Transfer Date | Aug 24, 2026 |
| Prior Transfer Doc | 0000006763 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Aug 25, 2026 |
| Property Address | 1405 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000006763 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 20266763 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | AMERITITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1405 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000006764, |
|---|---|
| Date | Aug 25, 2026 |
| Instrument | 20266764 |
| Name | SYNERGY ONE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Sep 1, 2023 |
| Property Address | 1405 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000006699 |
| Map Reference | VOL 12 PG 31 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 2023-006699 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | FIRST AMERICAN |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1405 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000006700 |
|---|---|
| Date | Sep 1, 2023 |
| Instrument | 2023-006700 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Sep 23, 2022 |
| Property Address | 1405 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000010621 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 2022-010621 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1405 RIVER OAK RD, 1405, INDEPENDENCE, OR 97351-9573 |
| Name | Verified Name |
|---|---|
| Address | 4944 SE WHEATLAND CT, PORT ORCHARD, WA 98366-9749 |
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 | $202,580 (+3%) Land $60,200 Building $142,380 | $397,340 (+12.31%) Land $158,700 Building $238,640 | |
| 2025 | $3,568.00 (+3.78%) | $196,680 (+3%) Land $58,440 Building $138,240 | $353,800 (-9.24%) Land $135,000 Building $218,800 |
| 2024 | $3,438.00 (-2.52%) | $190,960 (+3%) Land $56,740 Building $134,220 | $389,810 (+4.09%) Land $148,000 Building $241,810 |
| 2023 | $3,527.00 (+8.96%) | $185,400 (+3%) Land $55,090 Building $130,310 | $374,510 (+12.27%) Land $141,500 Building $233,010 |
| 2022 | $3,237.00 | $180,000 Land $53,480 Building $126,520 | $333,590 Land $116,000 Building $217,590 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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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