196 Ridgeway Rd, Lake Oswego, OR 97034 Property Records

Clackamas County property record for 196 Ridgeway Rd, Lake Oswego, OR 97034

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,659 sqft · built 1948
Lot Size	0.013 acres (586 sqft)
Owner	Individual Name on File
Last Sale	$408,000 (Nov 2025)
Tax Bill	$5,034 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21E10AD5011A`

Property Details

APN / Parcel Number

Primary APN	`21E10AD5011A`
Alternative APN	`05002859`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,659 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Condo/Apartment
Lot Area	586 sqft (0.013 acres)

Location & Zoning

Account Number	05002859
Street Address	196 RIDGEWAY RD
City	LAKE OSWEGO
State	OR
Zip	97034-3865
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-0
Legal Description	SUBDIVISION LAKE OSWEGO VILLAGE A CONDOMINIUM COMMUNITY UNIT 11A 3626
Legal Subdivision	LAKE OSWEGO VILLAGE
Legal Unit	11
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	2
Census Block	2013
Census Tract	20201

Owner

196 Ridgeway Rd, a condominium, is owned and occupied by an individual who bought it in November 2025.

Source: Clackamas County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	196 RIDGEWAY RD, LAKE OSWEGO, OR 97034-3865
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 4, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 1, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Oct 31, 2018	Warranty Deed, Transfer · Conventional Mortgage DIRECTORS MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2025 · Amount on File
Deed Sale	Nov 4, 2025 · Amount on File
Prior Sale	Oct 31, 2018 · Amount on File
Deed Document Number	202543261
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	196 RIDGEWAY RD, LAKE OSWEGO, OR 97034-3865
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044325
Date	Apr 30, 2021
Instrument	2021-044325

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Nov 4, 2025
Property Address	196 RIDGEWAY RD, LAKE OSWEGO, OR 97034-3865
Document Number	0000043261
Map Reference	DOC 2000-068303
Instrument Date	Oct 27, 2025
Instrument	2025-043261
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF OR

Transaction

Amount	Amount on Record
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	196 RIDGEWAY RD, LAKE OSWEGO, OR 97034-3865

Mortgage

Document Number	0000043262
Date	Nov 4, 2025
Instrument	2025-043262

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	196 RIDGEWAY RD, LAKE OSWEGO, OR 97034-3865
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031581
Date	May 1, 2020
Instrument	2020-031581

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Oct 31, 2018
Property Address	196 RIDGEWAY RD, LAKE OSWEGO, OR 97034-3865
Document Number	0000066815
Instrument Date	Oct 30, 2018
Instrument	2018-066815
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 RIDGEWAY RD, LAKE OSWEGO, OR 97034-3865

Mortgage

Document Number	0000066816
Date	Oct 31, 2018
Instrument	2018-066816

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 196 Ridgeway Rd was $5,034.

Source: Clackamas County assessment roll, as of October 29, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Clackamas County
Municipality	Lake Oswego City
Unified School District	Lake Oswego School District 7J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,034.00	$262,746	$448,730 Building $448,730
2023	$4,756.00	$247,665	$431,620 Building $431,620

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 196 Ridgeway Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 individual policies
Nearby Flood Policies	79 units insured incl. 60 condo units

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

The area around 196 Ridgeway Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	LAKE OSWEGO MUNICIPAL WATER serves 40,000 people · EPA ID OR4100457
Water Source	Purchased surface water from LAKE OSWEGO - TIGARD WATER SUPPLY
Last State Inspection	Oct 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Verizon.

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