2225 E Main St, Cottage Grove, OR 97424 Property Records

Lane County property record for 2225 E Main St, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,305 sqft · built 1958
Lot Size	2.38 acres (103,673 sqft)
Owner	Company Name on Record
Last Sale	$310,000 (Jan 2017)
Tax Bill	$5,737 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Jun 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-03-27-33-02301-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-27-33-02301-000`
Alternative APNs	`2003273302301` `0888832`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,305 sqft Living Area
Gross Area	2,604 sqft
1st Floor Area	1,497 sqft
Basement Area	1,107 sqft
Finished Basement	808 sqft
Unfinished Basement	299 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1972
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	103,673 sqft (2.38 acres)
Garage Type	Detached
Garage Area	576 sqft
Driveway	Driveway
Driveway Area	2,500 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,190 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0888832
Street Address	2225 E MAIN ST
City	COTTAGE GROVE
State	OR
Zip	97424-1793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F2
Legal Description	TL 02301
Legal Range	03
Legal Township	20
Legal Section	27
Legal Lot Number	2301
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1001
Census Tract	1302

Owner

Source: Lane County records, as of November 10, 2025

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

Owner of Record	Company Name on Record
Mailing Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2025	Deed of Trust, Mortgage · FHA Mortgage ALL WESTERN MORTGAGE INC
Jun 21, 2023	Deed, Transfer
Mar 2, 2023	Intrafamily Transfer, Transfer
Jul 31, 2019	Deed of Trust, Mortgage · Line of Credit NORTHWEST COMMUNITY CU
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALL WESTERN MORTGAGE INC
Jan 27, 2017	Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2017 · Amount on Record
Deed Sale	Jan 27, 2017 · Amount on Record
Prior Sale	Apr 2, 2014
Deed Document Number	20174129
Prior Transfer Date	Oct 25, 2016
Prior Transfer Doc	0000004129
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002518
Date	Jan 29, 2025
Instrument	2025-002518

Lender

Name	ALL WESTERN MORTGAGE INC
Type	Mortgage Company
Address	LAS VEGAS, NV 89113

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LANE OR
Recording Date	Jun 21, 2023
Property Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793
Document Number	0000016910
Instrument Date	Jun 20, 2023
Instrument	2023-016910
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1025 S 4TH ST, COTTAGE GROVE, OR 97424-2706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANE OR
Recording Date	Mar 2, 2023
Property Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793
Document Number	0000005287
Instrument Date	Feb 24, 2023
Instrument	2023-005287
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032310
Date	Jul 31, 2019
Instrument	2019-032310

Lender

Name	NORTHWEST COMMUNITY CU
Type	Credit Union
Address	COTTAGE GROVE, OR 97424

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028425
Date	Jun 5, 2020
Instrument	2020-028425

Lender

Name	ALL WESTERN MORTGAGE INC
Type	Mortgage Company
Address	LAS VEGAS, NV 89113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jan 27, 2017
Property Address	2225 E MAIN ST, COTTAGE GROVE, OR 97424-1793
Document Number	0000004129
Instrument Date	Jan 24, 2017
Instrument	4129
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2225 E MAIN ST COTTAGE GROVE OR 974241793, COTTAGE GROVE, OR 97424-1793

Mortgage

Document Number	4130
Date	Jan 27, 2017
Instrument	4130

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

Tax Assessment & Valuation

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	$5,737.00 (+4.9%)	$314,035 (+6.09%)	$639,065 (+8.95%) Land $203,993 Building $435,072
2023	$5,469.00 (+8.25%)	$296,009 (+7.19%)	$586,561 (+8.45%) Land $160,536 Building $426,025
2022	$5,052.00	$276,159	$540,863 Land $156,991 Building $383,872

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, 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 Record 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

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	0.02% 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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