200 Joy St, Talent, OR 97540 Property Records

Jackson County property record for 200 Joy St, Talent, OR 97540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,862 sqft · built 2021
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Sep 2022)
Tax Bill	$5,233 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-1009813`

Property Details

APN / Parcel Number

Primary APN	`1-1009813`
Alternative APN	`381W25CB00307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,862 sqft Living Area
1st Floor Area	1,862 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Attached
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	381W25CB 00307
Street Address	200 JOY ST
City	TALENT
State	OR
Zip	97540-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	SEC/TWN/RNG/MER:SEC 25 Q 3 TWN 38S RNG 01W
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1008
Census Tract	1701

Owner

Source: Jackson County records, as of January 12, 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	200 JOY ST, TALENT, OR 97540-6628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK OF COMMERCE
Sep 30, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Deed Document Number	2022-029357
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	200 JOY ST, TALENT, OR 97540-6628
Transaction Type	Mortgage
Record Updated	Feb 24, 2023
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032886
Date	Jul 29, 2021
Instrument	2021-032886

Lender

Name	PEOPLES BANK OF COMMERCE
Type	Bank
Address	MEDFORD, OR 97504

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 23, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Sep 30, 2022
Property Address	200 JOY ST, TALENT, OR 97540-6628
Document Number	0000029357
Map Reference	VOL 46 PG 09
Instrument Date	Sep 29, 2022
Instrument	2022-029357
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 24, 2023
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 JOY ST, TALENT, OR 97540-6628

Mortgage

Document Number	0000029358
Date	Sep 30, 2022
Instrument	2022-029358

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Talent City
Unified School District	Phoenix-Talent School District 4 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,233.00 (+2.41%)	$326,890 (+3%) Land $77,680 Building $249,210	$607,660 (-3.73%) Land $165,000 Building $442,660
2024	$5,110.00 (+3.25%)	$317,370 (+3%) Land $75,420 Building $241,950	$631,220 (+5.19%) Land $157,800 Building $473,420
2023	$4,949.00 (+105.61%)	$308,130 (+106.18%) Land $73,220 Building $234,910	$600,050 (+119.19%) Land $130,020 Building $470,030
2022	$2,407.00	$149,450 Land $68,380 Building $81,070	$273,760 Land $124,740 Building $149,020

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 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 8 (10% premium discount)
Nearby Flood Policies	2 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	Moderate above 65% of the US · lower than 73% of Oregon
Wildfire Likelihood	0.3% 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	CITY OF TALENT serves 6,293 people · EPA ID OR4100857
Water Source	Purchased surface water from MEDFORD WATER COMMISSION
Last State Inspection	Nov 2021
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hunter Communications, Verizon.

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