190 Oak St, Monroe, OR 97456 Property Records

Benton County property record for 190 Oak St, Monroe, OR 97456

Property Summary

Property Type	Mobile Home
Details	2 ba · 2,828 sqft · built 2004
Lot Size	7.8 acres (339,768 sqft)
Owner	2 Company Names on Record
Last Sale	$755,000 (Aug 2025)
Tax Bill	$6,970 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`145280001500`

Property Details

APN / Parcel Number

Primary APN	`145280001500`
Alternative APN	`274971`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,828 sqft Living Area
1st Floor Area	2,828 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Lot Area	339,768 sqft
Garage Type	Detached
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	274971
Street Address	190 OAK ST
City	MONROE
State	OR
Zip	97456-9483
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	GRA
Legal Range	5W
Legal Township	14S
Legal Section	28
Legal Subdivision	PARTITION PLAT 2008-07
Jurisdiction	BENTON OR
Township / Civil Division	SOUTHEAST BENTON
Census Block Group	3
Census Block	3013
Census Tract	10400

Owner

Source: Benton County records, as of June 12, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	190 OAK ST, MONROE, OR 97456-9483
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY NATIONAL TITLE
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Feb 26, 2026	Intrafamily Transfer, Transfer
Aug 11, 2025	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LNDG
May 19, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Prior Sale	May 19, 2017 · Amount on Record
Deed Document Number	2025655006
Prior Transfer Date	Jul 17, 2008
Prior Transfer Doc	0000440149
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON OR
Recording Date	Jun 4, 2026
Property Address	190 OAK ST, MONROE, OR 97456-9483
Document Number	0000661862
Instrument Date	May 1, 2026
Instrument	2026661862
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221

Mortgage

Document Number	0000661862,
Date	Jun 4, 2026
Instrument	2026661862

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	44 Months
Due	Feb 12, 2030

Interest

Rate	6.46%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON OR
Property Address	190 OAK ST, MONROE, OR 97456-9483
Transaction Type	Mortgage
Record Updated	Mar 9, 2026
Title Company	FIDELITY NATIONAL TITLE G, FIDELITY NATIONAL TITLE GROP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612430
Date	May 7, 2021
Instrument	2021-612430

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

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

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON OR
Recording Date	Feb 26, 2026
Property Address	190 OAK ST, MONROE, OR 97456-9483
Document Number	0000659598
Instrument Date	Feb 26, 2026
Instrument	2026-659598
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 OAK ST, MONROE, OR 97456-9483

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	190 OAK ST, MONROE, OR 97456-9483

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON OR
Recording Date	Aug 11, 2025
Property Address	190 OAK ST, MONROE, OR 97456-9483
Document Number	0000655006
Instrument Date	Jul 30, 2025
Instrument	2025-655006
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF OR

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	190 OAK ST, MONROE, OR 97456-9483

Mortgage

Document Number	0000655007
Date	Aug 11, 2025
Instrument	2025-655007

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON OR
Property Address	190 OAK ST, MONROE, OR 97456-9483
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000611941
Date	Apr 28, 2021
Instrument	2021-611941

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON OR
Property Address	190 OAK ST, MONROE, OR 97456-9483
Document Number	0000597876
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	190 OAK ST MONROE OR 974569483, MONROE, OR 97456-9483

Mortgage

Document Number	0000597876
Date	Jul 21, 2020
Instrument	597876

Lender

Name	SYNERGY ONE LNDG
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 20, 2040

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON OR
Recording Date	May 19, 2017
Property Address	190 OAK ST, MONROE, OR 97456-9483
Document Number	0000557565
Instrument Date	May 18, 2017
Instrument	2017-557565
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATL TITLE CO OF OR

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	190 OAK ST, MONROE, OR 97456-9483

Mortgage

Document Number	0000557566
Date	May 19, 2017
Instrument	2017-557566

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Benton County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Benton County
Municipality	Monroe City
Unified School District	Monroe School District 1J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,970.00	$375,695 (+3%)	$931,300 (-1.83%) Land $604,650 Building $326,650
2024		$364,752 (+3%)	$948,680 (+2.94%) Land $600,650 Building $348,030
2023		$354,128 (+3%)	$921,600 (+72.35%) Land $600,650 Building $320,950
2022	$6,458.00	$343,814
2002			$534,720 Land $253,000 Building $281,720

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 28, 2026 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	4 (1996–2006)
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jan 2006 · 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	Direct burnable vegetation

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	CITY OF MONROE serves 723 people · EPA ID OR4100540
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hunter Communications Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20
Alyrica Fixed Wireless	65 / 10

May also be available: Monroe Telephone Company, Peak Internet.

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