1449 20th St, Florence, OR 97439 Property Records

Lane County property record for 1449 20th St, Florence, OR 97439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1977
Lot Size	0.28 acres (12,188 sqft)
Owner	2 Individual Names on File
Last Sale	$209,500 (Oct 2014)
Tax Bill	$3,622 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-12-27-10-00116-000`

Property Details

APN / Parcel Number

Primary APN	`18-12-27-10-00116-000`
Alternative APNs	`1812271000116` `1123056`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,786 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	1,786 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	12,188 sqft (0.28 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	638 sqft
Driveway	Driveway
Driveway Area	1,044 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	1123056
Street Address	1449 20TH ST
City	FLORENCE
State	OR
Zip	97439-9441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M-F
Legal Description	TL 00116
Legal Range	12
Legal Township	18
Legal Section	27
Legal Subdivision	SANDPIPER
Legal Lot Number	116
Jurisdiction	LANE OR
Township / Civil Division	FLORENCE
Census Block Group	3
Census Block	3008
Census Tract	705

Owner

1449 20th St is owned and occupied by two individuals who bought it in October 2014.

Source: Lane County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1449 20TH ST, FLORENCE, OR 97439-9441
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

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OREGON HOUSING AND COMMUNITY SERVICES
Jun 15, 2018	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 10, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 10, 2019	Loan Modification, Mortgage · FHA Mortgage CARDINAL FIN'L
Jun 26, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2014 · Amount on File
Deed Sale	Oct 30, 2014 · Amount on File
Prior Sale	Oct 31, 2003 · Amount on File
Deed Document Number	201443039
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1449 20TH ST, FLORENCE, OR 97439-9441
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1449 20TH ST, FLORENCE, OR 97439-9441

Mortgage

Document Number	0000024970
Date	Aug 28, 2023
Instrument	2023-024970

Lender

Name	OREGON HOUSING AND COMMUNITY SERVICES
Type	Government Agency
Address	SALEM, OR 97301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1449 20TH ST, FLORENCE, OR 97439-9441
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027466
Date	Jun 15, 2018
Instrument	2018-027466

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1449 20TH ST, FLORENCE, OR 97439-9441
Document Number	0000002746
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1449 20TH ST FLORENCE OR 974399441, FLORENCE, OR 97439-9441

Mortgage

Document Number	0000002746
Date	Jan 17, 2020
Instrument	2746

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANE OR
Property Address	1449 20TH ST, FLORENCE, OR 97439-9441
Document Number	0000002745
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1449 20TH ST FLORENCE OR 974399441, FLORENCE, OR 97439-9441

Mortgage

Document Number	0000002745
Date	Jan 17, 2020
Instrument	2745

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	LAKE ZURICH, IL 60047

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1449 20TH ST, FLORENCE, OR 97439-9441
Document Number	0000032787
Instrument Date	Jun 26, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1449 20TH ST FLORENCE OR 974399441, FLORENCE, OR 97439-9441

Mortgage

Document Number	0000032787
Date	Jul 5, 2017
Instrument	32787

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1449 20th St was $3,622.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Florence City
Unified School District	Siuslaw School District 97J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,622.00	$265,498	$495,075 Land $84,615 Building $410,460
2023	$3,420.00 (+4.24%)	$250,259 (+3%)	$512,830 (+14.25%) Land $73,796 Building $439,034
2022	$3,281.00	$242,970	$448,877 Land $71,298 Building $377,579

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

Flood

FEMA maps place 1449 20th St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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 1449 20th St is low, with less than 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 98% of the US · lower than 99.5% of Oregon
Wildfire Likelihood	Under 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	CITY OF FLORENCE serves 9,561 people · EPA ID OR4100299
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wind Wireless Fiber	10,000 / 10,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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