265 Joy St, Talent, OR 97540 Property Records

Jackson County property record for 265 Joy St, Talent, OR 97540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,307 sqft · built 1990
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Tax Bill	$3,608 (2025)
Deeds & Mortgages	Jul 2022 Transfer Jun 2022 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`381W25CA3909`

Property Details

APN / Parcel Number

Primary APN	`381W25CA3909`
Alternative APNs	`381W25CA03909` `10778157`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,307 sqft Living Area
Gross Area	1,883 sqft
1st Floor Area	1,307 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	160 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	265 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 SUBDIVISION UNIT TWO
Legal Block	1
Legal Lot Number	14
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	265 JOY ST, TALENT, OR 97540-6628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Intrafamily Transfer, Transfer
Jun 3, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 27, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 27, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 12, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 22, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Apr 13, 2018	Intrafamily Transfer, Transfer · VA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2016
Deed Sale	Sep 7, 2016
Prior Sale	Jun 21, 2005 · Amount on Record
Deed Document Number	201629294
Prior Transfer Date	May 18, 2016
Prior Transfer Doc	0000029294
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON OR
Recording Date	Jul 14, 2022
Property Address	265 JOY ST, TALENT, OR 97540-6628
Document Number	0000022265
Map Reference	VOL 16 PG 32
Instrument Date	Jul 13, 2022
Instrument	2022-022265
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	265 JOY ST, TALENT, OR 97540-6628

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON OR
Recording Date	Jun 3, 2022
Property Address	265 JOY ST, TALENT, OR 97540-6628
Document Number	0000017962
Instrument Date	Jun 2, 2022
Instrument	2022-017962
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 JOY ST, 265, TALENT, OR 97540-6628

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 914, JACKSONVILLE, OR 97530-0914

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON OR
Recording Date	Sep 27, 2021
Property Address	265 JOY ST, TALENT, OR 97540-6628
Document Number	0000040725
Instrument Date	Sep 27, 2021
Instrument	2021-040725
Transaction Type	Transfer
Record Updated	Oct 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 JOY ST, 265, TALENT, OR 97540-6628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 JOY ST, TALENT, OR 97540-6628

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	265 JOY ST, TALENT, OR 97540-6628
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007950
Date	Mar 27, 2019
Instrument	2019-007950

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	265 JOY ST, TALENT, OR 97540-6628
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042643
Date	Nov 12, 2020
Instrument	2020-042643

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	265 JOY ST, TALENT, OR 97540-6628
Document Number	0000002943
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 JOY ST TALENT OR 975406628, TALENT, OR 97540-6628

Mortgage

Document Number	0000002943
Date	Jan 28, 2020
Instrument	2943

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON OR
Recording Date	Apr 13, 2018
Property Address	265 JOY ST, TALENT, OR 97540-6628
Document Number	0000011552
Map Reference	VOL16 PG32
Instrument Date	Apr 9, 2018
Instrument	2018-011552
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 JOY ST, TALENT, OR 97540-6628

Mortgage

Document Number	0000011553
Date	Apr 13, 2018
Instrument	2018-011553

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$232,160 (+3%)	$418,610 (+3.85%) Land $143,640 Building $274,970
2025	$3,608.00 (+2.41%)	$225,400 (+3%) Land $77,940 Building $147,460	$403,100 (+0.19%) Land $143,000 Building $260,100
2024	$3,523.00 (+3.22%)	$218,840 (+3%) Land $75,670 Building $143,170	$402,340 (+5.22%) Land $137,000 Building $265,340
2023	$3,413.00 (+2.74%)	$212,470 (+3%) Land $73,470 Building $139,000	$382,370 (-8.56%) Land $128,580 Building $253,790
2022	$3,322.00	$206,290 Land $71,330 Building $134,960	$418,180 Land $132,140 Building $286,040

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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