Polk County property record for 164 River Oak Rd, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,900 sqft · built 2005 |
| Lot Size | 0.175 acres (7,612 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (Oct 2019) |
| Tax Bill | $4,722 (2025) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-DB-03300 |
| Primary APN | 08428-DB-03300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,900 sqft Living Area |
| Gross Area | 2,760 sqft |
| 1st Floor Area | 1,900 sqft |
| Family Room | Family Room |
| Great Room | Great Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,612 sqft (0.175 acres) |
| Garage Area | 860 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Porch |
| Patio Area | 289 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 559087 |
|---|---|
| Street Address | 164 RIVER OAK RD |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-9540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | PARTITION PLAT 1999-0008 LOT 2 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | PARTITION PLAT 1999-0008 |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4001 |
| 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 | 164 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 7, 2019 | Warranty Deed, Transfer · Conventional Mortgage AMERICHOICE FCU |
| Oct 31, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2019 · Amount on Record |
| Deed Sale | Oct 7, 2019 · Amount on Record |
| Prior Sale | Dec 7, 2015 · Amount on Record |
| Deed Document Number | 201911454 |
| Prior Transfer Date | Aug 5, 2005 |
| Prior Transfer Doc | 0000013362 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Oct 7, 2019 |
| Property Address | 164 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000011454 |
| Instrument Date | Oct 4, 2019 |
| Instrument | 2019-011454 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | TICOR TITLE |
| 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 | 164 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000011455 |
|---|---|
| Date | Oct 7, 2019 |
| Instrument | 2019-011455 |
| Name | AMERICHOICE FCU |
|---|---|
| Type | Credit Union |
| Address | MECHANICSBURG, PA 17055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 164 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000012948 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 164 RIVER OAK RD INDEPENDENCE OR 973519540, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000012948 |
|---|---|
| Date | Nov 6, 2018 |
| Instrument | 12948 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2048 |
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 | $268,110 (+3%) Land $56,180 Building $211,930 | $518,170 (+2.08%) Land $150,000 Building $368,170 | |
| 2025 | $4,722.00 (+3.78%) | $260,310 (+3%) Land $54,540 Building $205,770 | $507,590 (-3.77%) Land $138,900 Building $368,690 |
| 2024 | $4,550.00 (-2.53%) | $252,730 (+3%) Land $52,950 Building $199,780 | $527,450 (+3.98%) Land $137,000 Building $390,450 |
| 2023 | $4,668.00 (+8.96%) | $245,370 (+3%) Land $51,410 Building $193,960 | $507,250 (+0.91%) Land $131,000 Building $376,250 |
| 2022 | $4,284.00 | $238,230 Land $49,910 Building $188,320 | $502,700 Land $117,500 Building $385,200 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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