18907 Elder Rd, Oregon City, OR 97045 Property Records

Clackamas County property record for 18907 Elder Rd, Oregon City, OR 97045

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,760 sqft · built 2006
Lot Size	0.249 acres (10,878 sqft)
Owner	2 Owner Names on Record
Last Sale	$353,000 (Jun 2011)
Tax Bill	$8,989 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32E04CD01600`

Property Details

APN / Parcel Number

Primary APN	`32E04CD01600`
Alternative APN	`05013842`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,760 sqft Living Area

Exterior

Year Built	Built 2006
Lot Area	10,878 sqft

Location & Zoning

Account Number	05013842
Street Address	18907 ELDER RD
City	OREGON CITY
State	OR
Zip	97045-7669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	SUBDIVISION WALNUT GROVE ESTATES #2 4031 LT 77
Legal Range	02E
Legal Township	03S
Legal Section	04
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	WALNUT GROVE ESTATES
Legal Lot Number	77
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 November 17, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	18907 ELDER RD, OREGON CITY, OR 97045-7669
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2026	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CREDIT UNION
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage ONPOINT COMMUNITY CU
Feb 21, 2017	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2011 · Amount on Record
Deed Sale	Jun 15, 2011 · Amount on Record
Prior Sale	May 4, 2006
Deed Document Number	2011-034443
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Recording Date	Oct 19, 2026
Property Address	18907 ELDER RD, OREGON CITY, OR 97045-7669
Document Number	0000044964
Instrument Date	Oct 16, 2026
Instrument	202644964
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18907 ELDER RD, OREGON CITY, OR 97045-7669

Mortgage

Document Number	0000044964,
Date	Oct 19, 2026
Instrument	202644964

Lender

Name	ONPOINT COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18907 ELDER RD, OREGON CITY, OR 97045-7669
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18907 ELDER RD, OREGON CITY, OR 97045-7669

Mortgage

Document Number	0000032163
Date	Sep 6, 2023
Instrument	2023-032163

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18907 ELDER RD, OREGON CITY, OR 97045-7669
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080539
Date	Aug 31, 2021
Instrument	2021-080539

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18907 ELDER RD, OREGON CITY, OR 97045-7669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LEX-FIDELITY NATL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011642
Date	Feb 21, 2017
Instrument	2017-011642

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clackamas County assessment roll, as of September 30, 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	$8,989.00 (+13%)	$448,691 (+6.09%)	$777,106 (+1.51%) Land $251,716 Building $525,390
2023	$7,955.00	$422,935	$765,516 Land $244,626 Building $520,890

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 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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