190 S 3rd St, Independence, OR 97351 Property Records

Polk County property record for 190 S 3rd St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,049 sqft · built 1885
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$210,345 (Mar 2004)
Tax Bill	$4,634 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08428-BA-09400`

Property Details

APN / Parcel Number

Primary APN	`08428-BA-09400`
Alternative APN	`203560`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,049 sqft Living Area
Gross Area	2,481 sqft
1st Floor Area	1,368 sqft
2nd Floor Area	681 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1990
Architectural Style	Multi-Level
Exterior Material	Other
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Garage Area	432 sqft
Parking Spaces	4 Parking Spaces
Deck Area	277 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	203560
Street Address	190 S 3RD ST
City	INDEPENDENCE
State	OR
Zip	97351-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	HILLS TOWN OF INDEPENDENCE LOT 4 BLOCK 12
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	HILLS TOWN OF INDEPENDENCE
Legal Block	12
Legal Lot Number	4
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3028
Census Tract	20305

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Polk County records, as of May 21, 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	190 S 3RD ST, INDEPENDENCE, OR 97351-2035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2004 · Amount on Record
Deed Sale	Mar 12, 2004 · Amount on Record
Deed Document Number	20043753
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	190 S 3RD ST, INDEPENDENCE, OR 97351-2035
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 S 3RD ST, INDEPENDENCE, OR 97351-2035

Mortgage

Document Number	0000012938
Date	Aug 11, 2021
Instrument	2021-012938

Lender

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

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$261,570 (+3%) Land $56,090 Building $205,480	$505,700 (-5.15%) Land $150,000 Building $355,700
2025	$4,634.00 (+3.76%)	$253,960 (+3%) Land $54,460 Building $199,500	$533,170 (+4.51%) Land $149,300 Building $383,870
2024	$4,466.00 (-2.49%)	$246,570 (+3%) Land $52,870 Building $193,700	$510,170 (-2.35%) Land $137,000 Building $373,170
2023	$4,580.00 (+8.94%)	$239,390 (+3%) Land $51,330 Building $188,060	$522,430 (+9.97%) Land $138,200 Building $384,230
2022	$4,204.00	$232,420 Land $49,830 Building $182,590	$475,080 Land $117,500 Building $357,580

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 October 28, 2021 · 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
Nearby Flood Policies	3 in force

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	None beyond ember reach

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	INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399
Water Source	Groundwater
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) action level 15 ppb
Copper	1.45 mg/L (2021–2023) action level 1.3 mg/L

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 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Willamette Valley Fiber Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Hunter Communications Fixed Wireless	200 / 20