1976 Highlands Loop, Lake Oswego, OR 97034 Property Records

Clackamas County property record for 1976 Highlands Loop, Lake Oswego, OR 97034

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,634 sqft · built 2015
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$1,585,000 (Feb 2020)
Tax Bill	$27,546 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Sep 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21E04BA00507`

Property Details

APN / Parcel Number

Primary APN	`21E04BA00507`
Alternative APN	`05025431`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Building Area	4,634 sqft Living Area

Exterior

Year Built	Built 2015
Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Account Number	05025431
Street Address	1976 HIGHLANDS LOOP
City	LAKE OSWEGO
State	OR
Zip	97034-1549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARTITION PLAT 2015-006 PARCEL 16
Legal Subdivision	PARTITION PLAT
Legal Lot Number	1
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	2
Census Block	2007
Census Tract	20101

Owner

1976 Highlands Loop is owned and occupied by an individual who bought it in February 2020.

Source: Clackamas County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Sep 22, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 20, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 19, 2017	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2020 · Amount on File
Deed Sale	Feb 20, 2020 · Amount on File
Prior Sale	Jan 19, 2017 · Amount on File
Deed Document Number	2020-012439
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549

Mortgage

Document Number	0000086355
Date	Sep 22, 2021
Instrument	2021-086355

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549

Mortgage

Document Number	0000086354
Date	Sep 22, 2021
Instrument	2021-086354

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009828
Date	Jan 29, 2021
Instrument	2021-009828

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Feb 20, 2020
Property Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Document Number	0000012439
Map Reference	DOC 2015-002664
Instrument Date	Feb 12, 2020
Instrument	2020-012439
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	FIDELITY NATIONAL TTL 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
Relationship	Tenants by the Entirety
Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549

Mortgage

Document Number	0000012440
Date	Feb 20, 2020
Instrument	2020-012440

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Jan 19, 2017
Property Address	1976 HIGHLANDS LOOP, LAKE OSWEGO, OR 97034-1549
Document Number	0000003757
Instrument Date	Jan 13, 2016
Instrument	3757
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1976 HIGHLANDS LOOP LAKE OSWEGO OR 970341549, LAKE OSWEGO, OR 97034-1549

Mortgage

Document Number	3758
Date	Jan 19, 2017
Instrument	3758

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1976 Highlands Loop was $27,546.

Source: Clackamas County assessment roll, as of September 30, 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	$27,546.00	$1,434,397	$2,544,617 Land $1,274,867 Building $1,269,750
2023	$26,024.00	$1,352,058	$2,346,388 Land $1,165,408 Building $1,180,980

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

Flood

FEMA maps place 1976 Highlands Loop in Zone X, an area of minimal flood risk.

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 10 (0% premium discount)
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

Wildfire risk around 1976 Highlands Loop is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 99.1% of Oregon
Wildfire Likelihood	Under 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	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
Also Mapped Here	PORTLAND WATER BUREAU
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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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