Polk County property record for 1406 River Oak Rd, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,427 sqft · built 2002 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Nov 2021) |
| Tax Bill | $3,477 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-DC-03600 |
| Primary APN | 08428-DC-03600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,427 sqft Living Area |
| Gross Area | 1,827 sqft |
| 1st Floor Area | 1,427 sqft |
| Utility Room | Utility Room |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 565244 |
|---|---|
| Street Address | 1406 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 36 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | FREEDOM ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 36 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 20305 |
Source: Polk County records, as of May 21, 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 | 1406 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 23, 2023 | Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU |
| Nov 15, 2021 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2021 · Amount on Record |
| Deed Sale | Nov 15, 2021 · Amount on Record |
| Prior Sale | Jun 15, 2016 · Amount on Record |
| Deed Document Number | 202118062 |
| Prior Transfer Date | Jul 6, 2006 |
| Prior Transfer Doc | 0000011345 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 1406 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1406 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000006381 |
|---|---|
| Date | Aug 23, 2023 |
| Instrument | 2023-006381 |
| Name | ONPOINT COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | PORTLAND, OR 97208 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 14, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Nov 15, 2021 |
| Property Address | 1406 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000018062 |
| Map Reference | VOL 12 PG 31 |
| Instrument Date | Nov 15, 2021 |
| Instrument | 2021-018062 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2022 |
| Title Company | FIRST AMERICAN |
| Amount | Amount Recorded |
|---|---|
| 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 | 1406 RIVER OAK RD, INDEPENDENCE, OR 97351-9573 |
| Document Number | 0000018063 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 2021-018063 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Number | 0000018068 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 2021-018068 |
| Name | NATIONAL HOMEBUYERS FUND INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95814 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $197,440 (+3%) Land $60,200 Building $137,240 | $372,350 (-5.17%) Land $150,000 Building $222,350 | |
| 2025 | $3,477.00 (+3.76%) | $191,690 (+3%) Land $58,440 Building $133,250 | $392,640 (+1.53%) Land $150,600 Building $242,040 |
| 2024 | $3,351.00 (-2.5%) | $186,110 (+3%) Land $56,740 Building $129,370 | $386,740 (+4.09%) Land $148,000 Building $238,740 |
| 2023 | $3,437.00 (+8.94%) | $180,690 (+3%) Land $55,090 Building $125,600 | $371,560 (+8.68%) Land $141,500 Building $230,060 |
| 2022 | $3,155.00 | $175,430 Land $53,480 Building $121,950 | $341,900 Land $127,100 Building $214,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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