Clackamas County property record for 1645 Cloverleaf Rd, Lake Oswego, OR 97034
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,686 sqft · built 1978 |
| Lot Size | 0.307 acres (13,378 sqft) |
| Owner | Trust Name on File |
| Last Sale | $392,000 (Nov 2013) |
| Tax Bill | $9,217 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 21E16BD01700 |
| Primary APN | 21E16BD01700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,686 sqft Living Area |
| 1st Floor Area | 2,268 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 13,378 sqft |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00316651 |
|---|---|
| Street Address | 1645 CLOVERLEAF RD |
| City | LAKE OSWEGO |
| State | OR |
| Zip | 97034-6907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-7.5 |
| Legal Description | 813 FERNCREST PLAT 3 LT 013 BLK 01 |
| Legal Range | 01E |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Quarter | NW |
| Quarter-Quarter Section | SE |
| Legal Subdivision | FERNCREST |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | CLACKAMAS OR |
| Township / Civil Division | NORTHWEST CLACKAMAS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20404 |
1645 Cloverleaf Rd is owner-occupied and held in a trust since February 2025.
Source: Clackamas County records, as of November 17, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1645 CLOVERLEAF RD, LAKE OSWEGO, OR 97034-6907 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 23, 2018 | Deed of Trust, Mortgage · Line of Credit WFB NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2013 · Amount on File |
| Deed Sale | Nov 5, 2013 · Amount on File |
| Prior Sale | Nov 5, 2013 · Amount on File |
| Deed Document Number | 0000075311 |
| Last Transfer Date | Feb 4, 2025 |
| Transfer Doc | 0000003968 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLACKAMAS OR |
| Property Address | 1645 CLOVERLEAF RD, LAKE OSWEGO, OR 97034-6907 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000088550 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 2020-088550 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLACKAMAS OR |
| Property Address | 1645 CLOVERLEAF RD, LAKE OSWEGO, OR 97034-6907 |
| Document Number | 0000020480 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1645 CLOVERLEAF RD LAKE OSWEGO OR 970346907, LAKE OSWEGO, OR 97034-6907 |
| Document Number | 0000020480 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 20480 |
| Name | WFB NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 2, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1645 Cloverleaf Rd was $9,217.
Source: Clackamas County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Clackamas County |
| Municipality | Lake Oswego City |
| Unified School District | Lake Oswego School District 7J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,217.00 | $479,976 | $914,980 Land $317,560 Building $597,420 |
| 2023 | $8,708.00 | $452,425 | $901,998 Land $308,248 Building $593,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1645 Cloverleaf Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · 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 | 3 in force |
| Nearby Flood Claims | 3 (1996) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Nov 1996 · tidal / storm surge |
| Claims by Event |
|
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 risk around 1645 Cloverleaf 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 | None beyond ember reach |
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 | LAKE OSWEGO MUNICIPAL WATER serves 40,000 people · EPA ID OR4100457 |
|---|---|
| Water Source | Purchased surface water from LAKE OSWEGO - TIGARD WATER SUPPLY |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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