18841 Elder Rd, Oregon City, OR 97045 Property Records

Clackamas County property record for 18841 Elder Rd, Oregon City, OR 97045

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,280 sqft · built 2007
Lot Size	0.137 acres (5,959 sqft)
Owner	Individual Name on Record
Last Sale	$617,000 (Jul 2023)
Tax Bill	$6,513 (2025)
Deeds & Mortgages	May 2025 Mortgage Jun 2025 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`32E04CD01000`

Property Details

APN / Parcel Number

Primary APN	`32E04CD01000`
Alternative APN	`05013836`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,280 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	5,959 sqft (0.137 acres)

Location & Zoning

Account Number	05013836
Street Address	18841 ELDER RD
City	OREGON CITY
State	OR
Zip	97045-7667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	SUBDIVISION WALNUT GROVE ESTATES #2 4031 LT 71
Legal Range	2E
Legal Township	3S
Legal Section	04
Legal Subdivision	WALNUT GROVE ESTATES #2
Legal Lot Number	71
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	3
Census Block	3037
Census Tract	22302

Owner

Source: Clackamas County records, as of May 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage BORROW SMART MORTGAGE INC
Jun 20, 2025	Quit Claim Deed, Transfer · Line of Credit BANNER BANK
Apr 15, 2025	Intrafamily Transfer, Transfer
Jul 21, 2023	Warranty Deed, Transfer · Conventional Mortgage BORROW SMART MORTGAGE INC
Nov 30, 2020	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 21, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 23, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2023 · Amount on Record
Deed Sale	Jul 21, 2023 · Amount on Record
Prior Sale	Jun 21, 2022 · Amount on Record
Deed Document Number	202325943
Prior Transfer Date	Apr 25, 2017
Prior Transfer Doc	0000028074
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18841 ELDER RD, OREGON CITY, OR 97045-7667

Mortgage

Document Number	0000016258
Date	May 5, 2025
Instrument	2025-016258

Lender

Name	BORROW SMART MORTGAGE INC
Type	Mortgage Company
Address	WILSONVILLE, OR 97070

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	SOFR Average 30-Day
Max Rate	11.3%

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Jun 20, 2025
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Document Number	0000023700
Instrument Date	Jun 16, 2025
Instrument	2025-023700
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18841 ELDER RD, OREGON CITY, OR 97045-7667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18841 ELDER RD, OREGON CITY, OR 97045-7667

Mortgage

Document Number	0000023701
Date	Jun 20, 2025
Instrument	2025-023701

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 11, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLACKAMAS OR
Recording Date	Apr 15, 2025
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Document Number	0000013393
Instrument Date	Feb 4, 2025
Instrument	2025-013393
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18841 ELDER RD, OREGON CITY, OR 97045-7667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7720 NE HIGHWAY 99, VANCOUVER, WA 98665-8858

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Jul 21, 2023
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Document Number	0000025943
Instrument Date	Jul 17, 2023
Instrument	2023-025943
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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
Address	18841 ELDER RD, OREGON CITY, OR 97045-7667

Mortgage

Document Number	0000025944
Date	Jul 21, 2023
Instrument	2023-025944

Lender

Name	BORROW SMART MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Transaction Type	Mortgage
Record Updated	Dec 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000101043
Date	Nov 30, 2020
Instrument	2020-101043

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	OREGON CITY, OR 97045

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	709 Months
Due	Dec 12, 2079

Interest

Rate Type	Adjustable Rate
Rate	2.49%
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Jun 21, 2022
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Document Number	0000035998
Instrument Date	Jun 17, 2022
Instrument	2022-035998
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Address	18841 ELDER RD, OREGON CITY, OR 97045-7667

Mortgage

Document Number	0000035999
Date	Jun 21, 2022
Instrument	2022-035999

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Document Number	0000101044
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	18841 ELDER RD OREGON CITY OR 970457667, OREGON CITY, OR 97045-7667

Mortgage

Document Number	0000101044
Date	Nov 30, 2020
Instrument	101044

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	708 Months
Due	Nov 29, 2079

Interest

Rate Type	Adjustable Rate
Rate	2.49%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Apr 26, 2017
Property Address	18841 ELDER RD, OREGON CITY, OR 97045-7667
Document Number	0000028074
Instrument Date	Apr 25, 2017
Instrument	28074
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	18841 ELDER RD OREGON CITY OR 970457667, OREGON CITY, OR 97045-7667

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oregon
County	Clackamas County
Municipality	Oregon City
Unified School District	Oregon City School District 62 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,513.00 (+13.01%)	$325,092 (+6.09%)	$615,626 (+2.27%) Land $196,506 Building $419,120
2023	$5,763.00 (+6.03%)	$306,432 (+3%)	$601,962 (+1.21%) Land $190,972 Building $410,990
2022	$5,435.00	$297,507	$594,786 Land $187,096 Building $407,690

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.

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 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1996–2009)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jan 2009 · river or lake flooding
Claims by Event	High Winds, Severe Storms And Flooding, Feb 1996 · 2 claims

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OREGON CITY serves 33,940 people · EPA ID OR4101511
Water Source	Purchased surface water from SOUTH FORK WATER BOARD
Last State Inspection	Dec 2021
Also Mapped Here	CLACKAMAS RIVER WATER
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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