2022 Cove Rd, Ashland, OR 97520 Property Records

Jackson County property record for 2022 Cove Rd, Ashland, OR 97520

Property Summary

Property Type	Commercial
Details	3 bd · 1 ba · 2,760 sqft · built 1983
Lot Size	11.6 acres (505,296 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,603 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jul 2018 Line of Credit
APN	`382E341000`

Property Details

APN / Parcel Number

Primary APN	`382E341000`
Alternative APNs	`382E340001000` `10585853`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,760 sqft Gross Area
1st Floor Area	720 sqft
2nd Floor Area	400 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1985
Roof Material	Other
Lot Area	505,296 sqft
Porch	Covered Wood Porch
Porch Area	920 sqft

Location & Zoning

Street Address	2022 COVE RD
City	ASHLAND
State	OR
Zip	97520-9073
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WR
Legal Range	02E
Legal Township	38S
Legal Section	34
Legal Block	1
Jurisdiction	JACKSON OR
Township / Civil Division	SOUTHEAST JACKSON
Census Block Group	1
Census Block	1078
Census Tract	2500

Owner

Source: Jackson County records, as of August 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2022 COVE RD, ASHLAND, OR 97520-9073
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 19, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 16, 2004
Transfer Doc	0000021656
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	2022 COVE RD, ASHLAND, OR 97520-9073
Document Number	0000001491
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2022 COVE RD ASHLAND OR 975209073, ASHLAND, OR 97520-9073

Mortgage

Document Number	0000001491
Date	Jan 15, 2020
Instrument	1491

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 14, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	2022 COVE RD, ASHLAND, OR 97520-9073
Document Number	0000025450
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 COVE RD ASHLAND OR 975209073, ASHLAND, OR 97520-9073

Mortgage

Document Number	0000025450
Date	Aug 14, 2018
Instrument	25450

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Unified School District	Ashland School District 5 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$324,030 (+3%)	$360,450 (-9.55%) Land $185,470 Building $174,980
2025	$3,603.00 (+10.59%)	$314,600 (+3%) Land $209,410 Building $105,190	$398,500 (+20.27%) Land $197,300 Building $201,200
2024	$3,258.00 (+0.25%)	$305,440 (+3%) Land $203,320 Building $102,120	$331,350 (-2.97%) Land $191,430 Building $139,920
2023	$3,250.00 (+0.12%)	$296,550 (+3%) Land $197,400 Building $99,150	$341,480 (-3.59%) Land $211,390 Building $130,090
2022	$3,246.00	$287,920 Land $191,660 Building $96,260	$354,200 Land $239,040 Building $115,160

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1996–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2015 · river or lake flooding
Claims by Event	Severe Winter Storms, Land And Mudslides, Flooding, Jan 1997 · 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	High above 87% of the US · above 67% of Oregon
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Rogue Broadband Fixed Wireless	200 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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