1645 E Main St, Cottage Grove, OR 97424 Property Records

Lane County property record for 1645 E Main St, Cottage Grove, OR 97424

Property Summary

Property Type	Commercial Building, Warehouse, Showroom
Lot Size	0.527 acres (22,939 sqft)
Owner	Company Name on File
Last Sale	$682,500 (Nov 2021)
Tax Bill	$15,951 (2025)
Deeds & Mortgages	May 2025 Mortgage Nov 2022 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`20-03-28-44-02900-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-28-44-02900-000`
Alternative APNs	`2003284402900` `0900280`

Exterior

Lot Area	22,939 sqft (0.527 acres)

Location & Zoning

Account Number	0900280
Street Address	1645 E MAIN ST
City	COTTAGE GROVE
State	OR
Zip	97424-2243
Property Category	Commercial
Property Type	Commercial > Retail > Commercial Building, Warehouse, Showroom
Local Zoning Code	C2P
Legal Description	TL 02900
Legal Range	03
Legal Township	20
Legal Section	28
Legal Lot Number	2900
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	3
Census Block	3014
Census Tract	1302

Owner

1645 E Main St, a commercial property, is owned by a company that bought it in November 2021.

Source: Lane County records, as of April 16, 2026

Owner of Record	Company Name on File
Mailing Address	3875 HEATHER GROVE LN, EUGENE, OR 97408-4832
Owner Type	Company
Vesting	Limited Liability Company

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
May 2, 2025	Deed of Trust, Mortgage · Unknown BANNER BANK
Nov 9, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
May 2, 2025	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Nov 4, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN
Dec 27, 2018	Intrafamily Transfer, Transfer · Commercial Mortgage CITIZENS BANK NA
Oct 28, 2018	Loan Modification, Mortgage US BK
Aug 31, 2018	Loan Modification, Mortgage US BK
Aug 15, 2018	Loan Modification, Mortgage US BK
Sep 21, 2017	Quit Claim Deed, Transfer Quitclaim
Feb 3, 2017	Loan Modification, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2021 · Amount on File
Deed Sale	Nov 4, 2021 · Amount on File
Prior Sale	Jul 18, 2013 · Amount on File
Deed Document Number	202169936
Prior Transfer Date	Dec 27, 2018
Prior Transfer Doc	0000059309
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012775
Date	May 2, 2025
Instrument	2025-012775

Lender

Name	BANNER BANK
Type	Bank
Address	COTTAGE GROVE, OR 97424

Agreement

Type	Unknown
Amount	Amount on Record
Term	300 Months
Due	May 15, 2050

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046052
Date	Nov 9, 2022
Instrument	2022-046052

Lender

Name	BANNER BANK
Type	Bank
Address	COTTAGE GROVE, OR 97424

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 15, 2047

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012776
Date	May 2, 2025
Instrument	2025-012776

Lender

Name	BANNER BANK
Type	Bank
Address	COTTAGE GROVE, OR 97424

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	May 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Nov 4, 2021
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Document Number	0000069936
Instrument Date	Nov 1, 2021
Instrument	2021-069936
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3875 HEATHER GROVE LN, EUGENE, OR 97408-4832

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANE OR
Recording Date	Dec 27, 2018
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Document Number	0000059309
Instrument Date	Dec 27, 2018
Instrument	2018-059309
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	CASCADE TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3282 LAKESIDE DR, EUGENE, OR 97401-1590

Mortgage

Document Number	0000059310
Date	Dec 27, 2018
Instrument	2018-059310

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 10, 2034

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANE OR
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Document Number	0000056723
Instrument Date	Oct 28, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 E MAIN ST COTTAGE GROVE OR 974242243, COTTAGE GROVE, OR 97424-2243

Mortgage

Document Number	0000056723
Date	Dec 10, 2018
Instrument	56723

Lender

Name	US BK
Type	Bank

Agreement

Amount	Amount on Record

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANE OR
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Document Number	0000046877
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3282 LAKESIDE DR EUGENE OR 974011590, EUGENE, OR 97401-1590

Mortgage

Document Number	0000046877
Date	Oct 5, 2018
Instrument	46877

Lender

Name	US BK
Type	Bank
Address	EUGENE, OR 97401

Agreement

Amount	Amount on Record
Term	12 Months
Due	Oct 4, 2019

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANE OR
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Document Number	0000047172
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 E MAIN ST COTTAGE GROVE OR 974242243, COTTAGE GROVE, OR 97424-2243

Mortgage

Document Number	0000047172
Date	Oct 8, 2018
Instrument	47172

Lender

Name	US BK
Type	Bank
Address	PORTLAND, OR 97228-5308

Agreement

Term	12 Months
Due	Oct 7, 2019

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANE OR
Recording Date	Sep 21, 2017
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Document Number	0000046979
Instrument Date	Sep 7, 2017
Instrument	46979
Transaction Type	Transfer
Record Updated	Sep 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3282 LAKESIDE DR EUGENE OR 974011590, EUGENE, OR 97401-1590

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANE OR
Property Address	1645 E MAIN ST, COTTAGE GROVE, OR 97424-2243
Document Number	0000007365
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Feb 23, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3282 LAKESIDE DR EUGENE OR 974011590, EUGENE, OR 97401-1590

Mortgage

Document Number	0000007365
Date	Feb 14, 2017
Instrument	7365

Lender

Name	US BK
Type	Bank
Address	EUGENE, OR 97401

Agreement

Type	Line of Credit
Term	12 Months
Due	Feb 13, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1645 E Main St was $15,951.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Cottage Grove City
Unified School District	South Lane School District 45J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,951.00	$873,040	$1,199,955 Land $344,145 Building $855,810
2023	$15,206.00 (+24.16%)	$822,925 (+22.93%)	$1,199,955 (+22.43%) Land $344,145 Building $855,810
2022	$12,247.00	$669,406	$980,125 Land $344,145 Building $635,980

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

Flood

FEMA maps place 1645 E Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 26, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1645 E Main St 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	Indirect within 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 COTTAGE GROVE serves 10,879 people · EPA ID OR4100236
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	8 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
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: Hunter Communications, T-Mobile.

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