18949 Elder Rd, Oregon City, OR 97045 Property Records

Clackamas County property record for 18949 Elder Rd, Oregon City, OR 97045

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,008 sqft · built 2011
Lot Size	0.054 acres (2,386 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Feb 2018)
Tax Bill	$6,564 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32E04CD03800`

Property Details

APN / Parcel Number

Primary APN	`32E04CD03800`
Alternative APN	`05022287`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,008 sqft Living Area

Exterior

Year Built	Built 2011
Lot Area	2,386 sqft

Location & Zoning

Account Number	05022287
Street Address	18949 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 WILD HORSE 4268 LT 4
Legal Range	02E
Legal Township	03S
Legal Section	04
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	WILD HORSE
Legal Lot Number	4
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	18949 ELDER RD, OREGON CITY, OR 97045-7669
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2018	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
May 10, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2018 · Amount on Record
Deed Sale	Feb 23, 2018 · Amount on Record
Prior Sale	Apr 7, 2015 · Amount on Record
Deed Document Number	2018-011534
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Feb 23, 2018
Property Address	18949 ELDER RD, OREGON CITY, OR 97045-7669
Document Number	0000011534
Instrument Date	Feb 22, 2018
Instrument	2018-011534
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	WFG 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000011535
Date	Feb 23, 2018
Instrument	2018-011535

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	18949 ELDER RD, OREGON CITY, OR 97045-7669
Document Number	0000032914
Instrument Date	May 10, 2017
Transaction Type	Mortgage
Record Updated	May 25, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18949 ELDER RD OREGON CITY OR 970457669, OREGON CITY, OR 97045-7669

Mortgage

Document Number	0000032914
Date	May 17, 2017
Instrument	32914

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

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	$6,564.00 (+63.9%)	$327,676 (+53.89%)	$589,088 (+47.27%) Land $201,618 Building $387,470
2023	$4,005.00	$212,931	$400,010 Land $110,490 Building $289,520

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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