260 Joy St, Talent, OR 97540 Property Records

Jackson County property record for 260 Joy St, Talent, OR 97540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,072 sqft · built 1992
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Nov 2020)
Tax Bill	$4,222 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`381W25CA3903`

Property Details

APN / Parcel Number

Primary APN	`381W25CA3903`
Alternative APNs	`381W25CA03903` `10778092`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,072 sqft Living Area
Gross Area	2,512 sqft
1st Floor Area	1,392 sqft
2nd Floor Area	680 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	273 sqft
Patio Area	273 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	260 JOY ST
City	TALENT
State	OR
Zip	97540-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-5
Legal Range	01W
Legal Township	38S
Legal Section	25
Legal Quarter	3
Legal Subdivision	MEADOWOOD
Legal Block	1
Legal Lot Number	9
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1008
Census Tract	1701

Owner

Source: Jackson County records, as of August 19, 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	260 JOY ST, TALENT, OR 97540-6628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jun 2, 2017	Warranty Deed, Transfer · Conventional Mortgage JUDY A RIST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Prior Sale	Jun 2, 2017 · Amount on Record
Deed Document Number	202042635
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Nov 12, 2020
Property Address	260 JOY ST, TALENT, OR 97540-6628
Document Number	0000042635
Map Reference	VOL 16 PG 32
Instrument Date	Nov 3, 2020
Instrument	2020-042635
Transaction Type	Transfer
Record Updated	Feb 15, 2022
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 in Common
Address	260 JOY ST, TALENT, OR 97540-6628

Mortgage

Document Number	0000042636
Date	Nov 12, 2020
Instrument	2020-042636

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Jun 2, 2017
Property Address	260 JOY ST, TALENT, OR 97540-6628
Document Number	0000018435
Instrument Date	Jun 2, 2017
Instrument	18435
Transaction Type	Transfer
Record Updated	Jun 7, 2017
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2287 IDAHO AVE SOUTH LAKE TAHOE CA 961503334, SOUTH LAKE TAHOE, CA 96150-3334

Mortgage

Document Number	18436
Date	Jun 2, 2017
Instrument	18436

Lender

Name	JUDY A RIST
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jun 1, 2019

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 19, 2026

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
2026		$271,620 (+3%)	$460,530 (-5.14%) Land $186,840 Building $273,690
2025	$4,222.00 (+2.43%)	$263,710 (+3%) Land $84,100 Building $179,610	$485,490 (+10.29%) Land $187,000 Building $298,490
2024	$4,122.00 (+3.23%)	$256,030 (+3%) Land $81,640 Building $174,390	$440,180 (+15.75%) Land $178,600 Building $261,580
2023	$3,993.00 (+2.73%)	$248,580 (+3%) Land $79,270 Building $169,310	$380,270 (-4.34%) Land $133,440 Building $246,830
2022	$3,887.00	$241,340 Land $76,960 Building $164,380	$397,540 Land $136,640 Building $260,900

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 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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	Moderate above 65% of the US · lower than 73% of Oregon
Wildfire Likelihood	0.3% 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 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hunter Communications, Verizon.

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