2523 E Main St, Cottage Grove, OR 97424 Property Records

Lane County property record for 2523 E Main St, Cottage Grove, OR 97424

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 1,808 sqft · built 1998
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Aug 2026)
Tax Bill	$3,565 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-03-27-34-01200-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-27-34-01200-000`
Alternative APNs	`2003273401200` `1615820`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,808 sqft Living Area
1st Floor Area	1,808 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Duplex Single
Exterior Material	Composition Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Open
Garage Area	800 sqft
Driveway	Driveway
Driveway Area	800 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	1615820
Street Address	2523 E MAIN ST
City	COTTAGE GROVE
State	OR
Zip	97424-1796
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	PLAT OAK VIEW 1
Legal Range	03
Legal Township	20
Legal Section	27
Legal Subdivision	OAK VIEW
Legal Lot Number	1
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 October 16, 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	33582 CEDAR PARK PL, COTTAGE GROVE, OR 97424-8594
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL
May 17, 2024	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Deed Document Number	202628642
Prior Transfer Date	Dec 3, 2015
Prior Transfer Doc	0000002027
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Aug 27, 2026
Property Address	2523 E MAIN ST, COTTAGE GROVE, OR 97424-1796
Document Number	0000028642
Instrument Date	Aug 21, 2026
Instrument	202628642
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	WESTERN 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	33582 CEDAR PARK PL, COTTAGE GROVE, OR 97424-8594

Mortgage

Document Number	0000028643,
Date	Aug 27, 2026
Instrument	202628643

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2523 E MAIN ST, COTTAGE GROVE, OR 97424-1796
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	EVEREST LAND TITLE, EVERGREEN LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2849 SW CUSTER ST, PORTLAND, OR 97219-2440

Mortgage

Document Number	0000013456
Date	May 17, 2024
Instrument	2024-013456

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,565.00 (+4.88%)	$195,158 (+6.09%)	$377,844 (+7.95%) Land $42,954 Building $334,890
2023	$3,399.00 (+4.04%)	$183,956 (+3%)	$350,014 (+10.64%) Land $33,658 Building $316,356
2022	$3,267.00	$178,599	$316,340 Land $34,668 Building $281,672

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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