2187 E Madison Ave, Cottage Grove, OR 97424 Property Records

Lane County property record for 2187 E Madison Ave, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 2020
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Dec 2019)
Tax Bill	$6,495 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-03-34-22-00600-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-34-22-00600-000`
Alternative APNs	`2003342200600` `1542859`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	2,816 sqft
1st Floor Area	2,080 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Composition/Composite
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	736 sqft
Driveway	Driveway
Driveway Area	3,036 sqft
Parking Spaces	3 Parking Spaces
Patio Area	605 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1542859
Street Address	2187 E MADISON AVE
City	COTTAGE GROVE
State	OR
Zip	97424-2310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TL 00600
Legal Range	03
Legal Township	20
Legal Section	34
Legal Subdivision	LAND PARTITION 94-P0479
Legal Lot Number	600
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1001
Census Tract	1302

Owner

2187 E Madison Ave is owned and occupied by two individuals who bought it in December 2019.

Source: Lane County records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2187 E MADISON AVE, COTTAGE GROVE, OR 97424-2310
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 7, 2024	Deed of Trust, Mortgage · Line of Credit NORTHWEST COMMUNITY CU
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Dec 26, 2019	Warranty Deed, Transfer CASCADE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on File
Deed Sale	Dec 26, 2019 · Amount on File
Prior Sale	Jul 21, 2006 · Amount on File
Deed Document Number	201959309
Prior Transfer Date	Apr 23, 2015
Prior Transfer Doc	0000018925
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jul 28, 2026
Property Address	2187 E MADISON AVE, COTTAGE GROVE, OR 97424-2310
Document Number	0000025031
Instrument Date	Jul 24, 2026
Instrument	202625031
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	WESTERN 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025032,
Date	Jul 28, 2026
Instrument	202625032

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2187 E MADISON AVE, COTTAGE GROVE, OR 97424-2310
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2187 E MADISON AVE, COTTAGE GROVE, OR 97424-2310

Mortgage

Document Number	0000012312
Date	May 7, 2024
Instrument	2024-012312

Lender

Name	NORTHWEST COMMUNITY CU
Type	Credit Union
Address	EUGENE, OR 97401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2187 E MADISON AVE, COTTAGE GROVE, OR 97424-2310
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046365
Date	Jul 13, 2021
Instrument	2021-046365

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2187 E MADISON AVE, COTTAGE GROVE, OR 97424-2310
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	CASCADE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018200
Date	Apr 14, 2020
Instrument	2020-018200

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	370 Months
Due	Feb 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Dec 26, 2019
Property Address	2187 E MADISON AVE, COTTAGE GROVE, OR 97424-2310
Document Number	0000059309
Instrument Date	Dec 24, 2019
Instrument	59309
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	CASCADE TITLE

Transaction

Amount	Amount on Record
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11263 PLOVER CIR PARKER CO 801343012, PARKER, CO 80134-3012

Tax Assessment & Valuation

The 2025 property tax bill for 2187 E Madison Ave was $6,495.

Source: Lane County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Cottage Grove City
Unified School District	South Lane School District 45J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,495.00	$387,387	$742,230 Land $126,124 Building $616,106
2023	$6,198.00 (+4.12%)	$365,150 (+3%)	$719,955 (+8.85%) Land $94,345 Building $625,610
2022	$5,953.00	$354,515	$661,447 Land $97,175 Building $564,272

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

Flood

FEMA maps place 2187 E Madison Ave in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective August 26, 2022 · 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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	12 (1996–2025)
Claims Outside the SFHA	9 of 12
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jan 2006 · 3 claims Flooding, Land, Mud Slides, High Winds,severe Storms, Nov 1996 · 3 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

Wildfire risk around 2187 E Madison Ave 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	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 COTTAGE GROVE serves 10,879 people · EPA ID OR4100236
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	8 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hunter Communications, T-Mobile.

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