Polk County property record for 21 S 5th St, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,124 sqft · built 2015 |
| Lot Size | 0.526 acres (22,914 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (Jan 2021) |
| Tax Bill | $6,000 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-BA-13800 |
| Primary APN | 08428-BA-13800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,124 sqft Living Area |
| Gross Area | 2,594 sqft |
| 1st Floor Area | 860 sqft |
| 2nd Floor Area | 1,264 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Wood Shingle |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,914 sqft (0.526 acres) |
| View / Lot | Flood Plain |
| Garage Area | 470 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | Deck Area |
| Utility Building | 1,050 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 203896 |
|---|---|
| Street Address | 21 S 5TH ST |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-1744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | NULL NULL BLOCK NULL |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | NULL |
| Legal Block | 3 |
| Legal Lot Number | NULL |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 20305 |
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.
21 S 5th St is owned and occupied by two individuals who bought it in January 2021.
Source: Polk County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 S 5TH ST, INDEPENDENCE, OR 97351-1744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Aug 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Jan 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on File |
| Deed Sale | Jan 28, 2021 · Amount on File |
| Prior Sale | Jan 4, 2016 · Amount on File |
| Deed Document Number | 20211637 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 21 S 5TH ST, INDEPENDENCE, OR 97351-1744 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005953 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 2021-005953 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 21 S 5TH ST, INDEPENDENCE, OR 97351-1744 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000010313 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 2018-010313 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Jan 28, 2021 |
| Property Address | 21 S 5TH ST, INDEPENDENCE, OR 97351-1744 |
| Document Number | 0000001637 |
| Instrument Date | Jan 27, 2021 |
| Instrument | 2021-001637 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | TICOR TITLE COMPANY OF OR |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 21 S 5TH ST, INDEPENDENCE, OR 97351-1744 |
| Document Number | 0000001638 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 2021-001638 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 21 S 5th St was $6,000, up 3.8% from the year before.
Source: Polk County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Polk County |
| Municipality | Independence City |
| Unified School District | Central School District 13J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $338,660 (+3%) Land $49,970 Building $288,690 | $622,500 (-6.13%) Land $170,000 Building $452,500 | |
| 2025 | $6,000.00 (+3.77%) | $328,800 (+3%) Land $48,520 Building $280,280 | $663,170 (+3.42%) Land $171,500 Building $491,670 |
| 2024 | $5,782.00 (-2.5%) | $319,230 (+3%) Land $47,110 Building $272,120 | $641,220 (-1.62%) Land $159,000 Building $482,220 |
| 2023 | $5,930.00 (+14.74%) | $309,940 (+8.48%) Land $45,740 Building $264,200 | $651,760 (+10.89%) Land $160,400 Building $491,360 |
| 2022 | $5,168.00 | $285,700 Land $44,400 Building $241,300 | $587,770 Land $142,500 Building $445,270 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 S 5th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 risk around 21 S 5th St is low, with 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 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures