Polk County property record for 186 G St, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,710 sqft · built 1895 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $268,000 (Nov 2020) |
| Tax Bill | $2,131 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-BD-08800 |
| Primary APN | 08428-BD-08800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,710 sqft Living Area |
| 1st Floor Area | 1,710 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood Shingle |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,979 sqft (0.275 acres) |
| Deck Area | 126 sqft |
|---|---|
| Patio Area | 30 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 206404 |
|---|---|
| Street Address | 186 G ST |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-2412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUPC |
| Legal Description | HILLS ADDITION LOT 5 BLOCK 10 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | HILLS ADDITION |
| Legal Block | 10 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 20305 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Polk County records, as of June 9, 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 | 186 G ST, INDEPENDENCE, OR 97351-2412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Nov 18, 2020 | Deed of Trust, Mortgage GUILD MTG |
| Nov 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Nov 18, 2020 | Warranty Deed, Transfer AMERITITLE |
| Oct 8, 2019 | Trustee's Deed, Construction Loan · Line of Credit FINANCE OF AMERICA COM'L LLC |
| Oct 5, 2016 | Loan Modification, Mortgage · Conventional with PMI FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2020 · Amount on Record |
| Deed Sale | Nov 18, 2020 · Amount on Record |
| Prior Sale | Nov 13, 2020 · Amount on Record |
| Deed Document Number | 202017340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 186 G ST, INDEPENDENCE, OR 97351-2412 |
| Document Number | 0000001741 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2020 |
| Title Company | AMERITITLE |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 186 G ST INDEPENDENCE OR 973512412, INDEPENDENCE, OR 97351-2412 |
| Document Number | 0000001741 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 1741 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Nov 13, 2020 |
| Property Address | 186 G ST, INDEPENDENCE, OR 97351-2412 |
| Document Number | 0000017061 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 2020-017061 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | AMERITITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 186 G ST, INDEPENDENCE, OR 97351-2412 |
| Document Number | 0000017062 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 2020-017062 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Nov 18, 2020 |
| Property Address | 186 G ST, INDEPENDENCE, OR 97351-2412 |
| Document Number | 0000017340 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 17340 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2020 |
| Title Company | AMERITITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $268.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 186 G ST INDEPENDENCE OR 973512412, INDEPENDENCE, OR 97351-2412 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Oct 8, 2019 |
| Property Address | 186 G ST, INDEPENDENCE, OR 97351-2412 |
| Instrument Date | Oct 7, 2019 |
| Instrument | 11504 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 17, 2019 |
| Title Company | AMERITITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 960 OCHARDVIEW AVE NW SALEM OR 97304, SALEM, OR 97304 |
| Document Number | 0000011504 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 11504 |
| Name | FINANCE OF AMERICA COM'L LLC |
|---|---|
| Address | CHARLOTTE, NC 28210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 7, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 186 G ST, INDEPENDENCE, OR 97351-2412 |
| Document Number | 0000000479 |
| Instrument Date | Oct 5, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 12829 SALEM OR 973090829, SALEM, OR 97309-0829 |
| Document Number | 0000000479 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 479 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 16, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
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 | $127,920 (+3%) Land $39,370 Building $88,550 | $360,780 (+5.83%) Land $160,000 Building $200,780 | |
| 2025 | $2,131.00 (+3.8%) | $124,200 (+2.99%) Land $38,230 Building $85,970 | $340,900 (-6.09%) Land $145,000 Building $195,900 |
| 2024 | $2,053.00 (-2.52%) | $120,590 (+3%) Land $37,110 Building $83,480 | $362,990 (-1.32%) Land $148,000 Building $214,990 |
| 2023 | $2,106.00 (+8.95%) | $117,080 (+3%) Land $36,030 Building $81,050 | $367,860 (+7.08%) Land $149,300 Building $218,560 |
| 2022 | $1,933.00 | $113,670 Land $34,990 Building $78,680 | $343,550 Land $130,010 Building $213,540 |
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.
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.5% of Oregon |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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