1845 Highlands Loop, Lake Oswego, OR 97034 Property Records

Clackamas County property record for 1845 Highlands Loop, Lake Oswego, OR 97034

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,896 sqft · built 2015
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Company Names on Record
Last Sale	$3,100,000 (Mar 2022)
Tax Bill	$38,134 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21E04BA00514`

Property Details

APN / Parcel Number

Primary APN	`21E04BA00514`
Alternative APN	`05026350`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Building Area	4,896 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	16,553 sqft (0.38 acres)

Location & Zoning

Account Number	05026350
Street Address	1845 HIGHLANDS LOOP
City	LAKE OSWEGO
State	OR
Zip	97034-1549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	PARTITION PLAT 2014-072 PARCEL 14
Legal Range	1E
Legal Township	2S
Legal Section	04
Legal Subdivision	PARTITION PLAT 2014-072
Legal Lot Number	14
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	2
Census Block	2006
Census Tract	20101

Owner

Source: Clackamas County records, as of May 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1845 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
May 8, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	Nov 16, 2015 · Amount on Record
Deed Document Number	202215581
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Mar 15, 2022
Property Address	1845 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Document Number	0000015581
Instrument Date	Mar 15, 2022
Instrument	2022-015581
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TTL OF OR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Revocable Trust
Address	1845 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549

Mortgage

Document Number	0000015582
Date	Mar 15, 2022
Instrument	2022-015582

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.5%
Index	Other
Max Rate	8.5%

May 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CLACKAMAS OR
Recording Date	May 8, 2020
Property Address	1845 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Document Number	0000033546
Map Reference	DOC 2014-062322
Instrument Date	May 4, 2020
Instrument	2020-033546
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	WFG TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5885 MEADOWS RD STE 100, 5885, LAKE OSWEGO, OR 97035-8640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1845 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549

Mortgage

Document Number	0000033547
Date	May 8, 2020
Instrument	2020-033547

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Clackamas County assessment roll, as of October 29, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Clackamas County
Municipality	Lake Oswego City
Unified School District	Lake Oswego School District 7J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$38,134.00 (+5.85%)	$1,985,748 (+6.09%)	$3,479,261 (+8.26%) Land $1,418,931 Building $2,060,330
2023	$36,027.00	$1,871,759	$3,213,824 Land $1,297,104 Building $1,916,720

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

Flood

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 99.1% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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