Polk County property record for 184 River Oak Rd, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,209 sqft · built 2001 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $539,999 (Jun 2024) |
| Tax Bill | $5,123 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-DB-03400 |
| Primary APN | 08428-DB-03400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,209 sqft Living Area |
| Gross Area | 3,038 sqft |
| 1st Floor Area | 2,209 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,499 sqft (0.172 acres) |
| Garage Area | 829 sqft |
| Parking Spaces | 6 Parking Spaces |
| Patio Area | 1,066 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 559090 |
|---|---|
| Street Address | 184 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 3 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | PARTITION PLAT 1999-0008 |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 20305 |
184 River Oak Rd is owned and occupied by two individuals who bought it in June 2024.
Source: Polk County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 184 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 23, 2017 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Jan 23, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage UMPQUA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2024 · Amount on File |
| Deed Sale | Jun 17, 2024 · Amount on File |
| Prior Sale | Nov 21, 2006 · Amount on File |
| Deed Document Number | 20244528 |
| Prior Transfer Date | Jan 18, 2017 |
| Prior Transfer Doc | 0000000783 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 184 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 184 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000001046 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 2022-001046 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.99% |
| Index | Other |
| Max Rate | 6.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 184 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010178 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 2021-010178 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Jan 23, 2017 |
| Property Address | 184 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000000783 |
| Instrument Date | Jan 18, 2017 |
| Instrument | 783 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 184 RIVER OAK RD INDEPENDENCE OR 973519540, INDEPENDENCE, OR 97351-9540 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Jan 23, 2017 |
| Property Address | 184 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000000770 |
| Map Reference | MB1999 PG0008 |
| Instrument Date | Jan 18, 2017 |
| Instrument | 2017-000770 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 184 RIVER OAK RD, INDEPENDENCE, OR 97351-9540 |
| Document Number | 0000000771 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 2017-000771 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
The 2025 property tax bill for 184 River Oak Rd was $5,123, up 3.8% from the year before.
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 | $290,870 (+3%) Land $54,290 Building $236,580 | $554,960 (+1.73%) Land $150,000 Building $404,960 | |
| 2025 | $5,123.00 (+3.79%) | $282,400 (+3%) Land $52,710 Building $229,690 | $545,510 (+5.46%) Land $138,900 Building $406,610 |
| 2024 | $4,936.00 (-2.53%) | $274,180 (+3%) Land $51,180 Building $223,000 | $517,290 (+3.98%) Land $137,000 Building $380,290 |
| 2023 | $5,064.00 (+8.95%) | $266,200 (+3%) Land $49,690 Building $216,510 | $497,470 (+0.55%) Land $131,000 Building $366,470 |
| 2022 | $4,648.00 | $258,450 Land $48,240 Building $210,210 | $494,730 Land $117,500 Building $377,230 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 184 River Oak Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 184 River Oak 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 | 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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