245 S 7th St, Independence, OR 97351 Property Records

Polk County property record for 245 S 7th St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,516 sqft · built 2010
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Apr 2010)
Tax Bill	$6,421 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08428-BB-03901`

Property Details

APN / Parcel Number

Primary APN	`08428-BB-03901`
Alternative APN	`569709`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,516 sqft Living Area
Gross Area	4,104 sqft
1st Floor Area	1,287 sqft
2nd Floor Area	1,018 sqft
Basement Area	1,331 sqft
Finished Basement	1,211 sqft
Unfinished Basement	120 sqft
Family Room	Family Room
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Garage Area	468 sqft
Parking Spaces	4 Parking Spaces
Deck Area	285 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	569709
Street Address	245 S 7TH ST
City	INDEPENDENCE
State	OR
Zip	97351-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	HILLS TOWN OF INDEPENDENCE LOT 7 BLOCK 28
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	HILLS TOWN OF INDEPENDENCE
Legal Block	28
Legal Lot Number	7
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3033
Census Tract	20305

Historic Designation

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.

Owner

Source: Polk 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	Individual Name on Record
Mailing Address	245 S 7TH ST, INDEPENDENCE, OR 97351-1433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 17, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Nov 16, 2018	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2010 · Amount on Record
Deed Sale	Apr 16, 2010 · Amount on Record
Deed Document Number	20103672
Last Transfer Date	Jan 15, 2014
Transfer Doc	0000002152
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	245 S 7TH ST, INDEPENDENCE, OR 97351-1433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014803
Date	Oct 8, 2020
Instrument	2020-014803

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	245 S 7TH ST, INDEPENDENCE, OR 97351-1433
Document Number	0000009163
Instrument Date	Aug 17, 2019
Transaction Type	Mortgage
Record Updated	Sep 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 S 7TH ST INDEPENDENCE OR 973511433, INDEPENDENCE, OR 97351-1433

Mortgage

Document Number	0000009163
Date	Aug 23, 2019
Instrument	9163

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	245 S 7TH ST, INDEPENDENCE, OR 97351-1433
Document Number	0000013703
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 S 7TH ST INDEPENDENCE OR 973511433, INDEPENDENCE, OR 97351-1433

Mortgage

Document Number	0000013703
Date	Nov 27, 2018
Instrument	13703

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$394,930 (+3%) Land $63,530 Building $331,400	$739,740 (-6.77%) Land $150,000 Building $589,740
2025	$6,421.00 (+3.78%) Veteran's exemption	$383,430 (+3%) Land $61,680 Building $321,750	$793,480 (+3.72%) Land $149,300 Building $644,180
2024	$6,187.00 (-2.51%) Veteran's exemption	$372,270 (+3%) Land $59,880 Building $312,390	$765,030 (-2.47%) Land $137,000 Building $628,030
2023	$6,346.00 (+8.93%) Veteran's exemption	$361,430 (+3%) Land $58,140 Building $303,290	$784,380 (+6.77%) Land $138,200 Building $646,180
2022	$5,826.00 Veteran's exemption	$350,910 Land $56,450 Building $294,460	$734,650 Land $117,500 Building $617,150

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 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 500 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

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 408 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

May also be available: CenturyLink, Hunter Communications.

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