228 Gibson St, Talent, OR 97540 Property Records

Jackson County property record for 228 Gibson St, Talent, OR 97540

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,080 sqft · built 1994
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$126,500 (May 2012)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	Aug 2017 Reverse Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-0275071`

Property Details

APN / Parcel Number

Primary APN	`1-0275071`
Alternative APN	`381W23CA03400`

Interior

Full Baths	2 Baths
Units	3 Units
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1994
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	120 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	381W23CA 03400
Street Address	228 GIBSON ST
City	TALENT
State	OR
Zip	97540-6658
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R-1-6
Legal Description	SEC/TWN/RNG/MER:SEC 23 Q 3 TWN 38S RNG 01W
Legal Range	01W
Legal Township	38S
Legal Section	23
Legal Quarter	SW
Quarter-Quarter Section	NE
Legal Subdivision	PARTITION PLAT P-48-1993
Legal Lot Number	3
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	2
Census Block	2023
Census Tract	1702

Owner

228 Gibson St, a mobile home, is owned and occupied by an individual who bought it in May 2012.

Source: Jackson County records, as of January 12, 2026

Owner of Record	Individual Name on File
Mailing Address	228 GIBSON ST, TALENT, OR 97540-6658
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 16, 2017	Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 10, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2012 · Amount on File
Deed Sale	May 11, 2012 · Amount on File
Prior Sale	Jul 26, 2005 · Amount on File
Deed Document Number	2012-014926
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	228 GIBSON ST, TALENT, OR 97540-6658
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028075
Date	Aug 16, 2017
Instrument	2017-028075

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	973 Months
Due	Sep 22, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.47%
Type Change Date	Sep 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	228 GIBSON ST, TALENT, OR 97540-6658
Document Number	0000028076
Instrument Date	Aug 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 GIBSON ST TALENT OR 975406658, TALENT, OR 97540-6658

Mortgage

Document Number	0000028076
Date	Aug 16, 2017
Instrument	28076

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	972 Months
Due	Aug 15, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.47%

Tax Assessment & Valuation

The 2025 property tax bill for 228 Gibson St was $2,345, up 2.4% from the year before.

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	$2,345.00 (+2.4%)	$146,510 (+2.99%) Land $96,730 Building $49,780	$276,340 (-3.98%) Land $154,200 Building $122,140
2024	$2,290.00 (+3.25%)	$142,250 (+3%) Land $93,920 Building $48,330	$287,800 (+19.83%) Land $155,400 Building $132,400
2023	$2,218.00 (+2.73%)	$138,110 (+3%) Land $91,190 Building $46,920	$240,170 (+3.43%) Land $129,300 Building $110,870
2022	$2,159.00	$134,090 Land $88,540 Building $45,550	$232,200 Land $132,810 Building $99,390

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

Flood

FEMA maps place 228 Gibson St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 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

Wildfire risk around 228 Gibson 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.

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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30

May also be available: CenturyLink, Hunter Communications.

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