2409 E Main St, Cottage Grove, OR 97424 Property Records

Lane County property record for 2409 E Main St, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1978
Lot Size	0.162 acres (7,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Oct 2023)
Tax Bill	$3,907 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-03-27-33-02502-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-27-33-02502-000`
Alternative APNs	`2003273302502` `1215902`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,096 sqft
Basement Area	504 sqft
Finished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,039 sqft (0.162 acres)
Lot Dimensions	102 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	560 sqft
Driveway	Driveway
Driveway Area	396 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant

Location & Zoning

Account Number	1215902
Street Address	2409 E MAIN ST
City	COTTAGE GROVE
State	OR
Zip	97424-1795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TL 02502
Legal Range	03
Legal Township	20
Legal Section	27
Legal Subdivision	KNOX HILL
Legal Block	1
Legal Lot Number	2502
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 May 21, 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	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 24, 2023	Warranty Deed, Transfer · FHA Mortgage MASON MCDUFFIE MORTGAGE CORP
Oct 1, 2019	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC
Jun 12, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	202330834
Prior Transfer Date	Sep 29, 2010
Prior Transfer Doc	0000049204
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062070
Date	Sep 27, 2021
Instrument	2021-062070

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Oct 24, 2023
Property Address	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795
Document Number	0000030834
Map Reference	FILE 72 SL 125&126
Instrument Date	Oct 20, 2023
Instrument	2023-030834
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795

Mortgage

Document Number	0000030835
Date	Oct 24, 2023
Instrument	2023-030835

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Oct 1, 2019
Property Address	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795
Document Number	0000043801
Map Reference	FILE 72 SL 125&126
Instrument Date	Sep 26, 2019
Instrument	2019-043801
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795

Mortgage

Document Number	0000043802
Date	Oct 1, 2019
Instrument	2019-043802

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jun 12, 2018
Property Address	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795
Document Number	0000026651
Map Reference	FL72 PG125&126
Instrument Date	Jun 8, 2018
Instrument	2018-026651
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 E MAIN ST, COTTAGE GROVE, OR 97424-1795

Mortgage

Document Number	0000026652
Date	Jun 12, 2018
Instrument	2018-026652

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$3,907.00 (+4.91%)	$213,858 (+6.09%)	$386,212 (-0.36%) Land $66,109 Building $320,103
2023	$3,724.00 (+4.02%)	$201,583 (+3%)	$387,618 (+11.66%) Land $68,728 Building $318,890
2022	$3,580.00	$195,712	$347,128 Land $55,160 Building $291,968

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	0.01% 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hunter Communications.

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