18948 Elder Rd, Oregon City, OR 97045 Property Records

Clackamas County property record for 18948 Elder Rd, Oregon City, OR 97045

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,405 sqft · built 2007
Lot Size	0.123 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$378,500 (Sep 2015)
Tax Bill	$6,723 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32E04CD01900`

Property Details

APN / Parcel Number

Primary APN	`32E04CD01900`
Alternative APN	`05013845`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,405 sqft Living Area

Exterior

Year Built	Built 2007
Lot Area	5,400 sqft

Location & Zoning

Account Number	05013845
Street Address	18948 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 80
Legal Range	02E
Legal Township	03S
Legal Section	04
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	WALNUT GROVE ESTATES
Legal Lot Number	80
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	3
Census Block	3035
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	18948 ELDER RD, OREGON CITY, OR 97045-7669
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECTORS MORTGAGE INC
Apr 10, 2018	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2015 · Amount on Record
Deed Sale	Sep 10, 2015 · Amount on Record
Prior Sale	Jun 28, 2011 · Amount on Record
Deed Document Number	2015-061226
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18948 ELDER RD, OREGON CITY, OR 97045-7669
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18948 ELDER RD, OREGON CITY, OR 97045-7669

Mortgage

Document Number	0000075661
Date	Aug 13, 2021
Instrument	2021-075661

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LAGUNA HILLS, CA 92654

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18948 ELDER RD, OREGON CITY, OR 97045-7669
Transaction Type	Mortgage
Record Updated	Dec 15, 2022
Title Company	LAWYERS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053708
Date	Jul 13, 2020
Instrument	2020-053708

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company
Address	LAKE OSWEGO, OR 97035

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18948 ELDER RD, OREGON CITY, OR 97045-7669
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021840
Date	Apr 10, 2018
Instrument	2018-021840

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 29, 2048

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	$6,723.00 (+13.01%)	$335,599 (+6.09%)	$623,704 (+2.27%) Land $191,394 Building $432,310
2023	$5,949.00	$316,335	$609,884 Land $186,004 Building $423,880

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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