28246 Spencer Creek Rd, Eugene, OR 97405 Property Records

Lane County property record for 28246 Spencer Creek Rd, Eugene, OR 97405

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,984 sqft · built 1955
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$582,500 (Jan 2021)
Tax Bill	$3,166 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-04-19-00-01600-000`

Property Details

APN / Parcel Number

Primary APN	`18-04-19-00-01600-000`
Alternative APN	`0735264`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,984 sqft Finished Area
1st Floor Area	1,984 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	217,800 sqft (5 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	0735264
Street Address	28246 SPENCER CREEK RD
City	EUGENE
State	OR
Zip	97405-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10- RURAL RES. (10 AC M
Legal Description	SEC/TWN/RNG/MER:SEC 19 TWN 18 RNG 04
Legal Range	04W
Legal Township	18S
Legal Section	19
Legal Lot Number	1600
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	1
Census Block	1037
Census Tract	1002

Owner

28246 Spencer Creek Rd is owned and occupied by an individual who bought it in January 2021.

Source: Lane County records, as of October 27, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	28246 SPENCER CREEK RD, EUGENE, OR 97405-9703
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Oct 5, 2010 · Amount on File
Deed Document Number	2021-001971
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	28246 SPENCER CREEK RD, EUGENE, OR 97405-9703
Document Number	0000042239
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28246 SPENCER CREEK RD EUGENE OR 974059703, EUGENE, OR 97405-9703

Mortgage

Document Number	0000042239
Date	Aug 3, 2020
Instrument	42239

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jan 11, 2021
Property Address	28246 SPENCER CREEK RD, EUGENE, OR 97405-9703
Document Number	0000001971
Instrument Date	Jan 11, 2020
Instrument	2021-001971
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	CASCADE TITLE CO

Transaction

Amount	Amount on Record
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	Right of Survivorship
Address	28246 SPENCER CREEK RD, EUGENE, OR 97405-9703

Mortgage

Document Number	0000001972
Date	Jan 11, 2021
Instrument	2021-001972

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 28246 Spencer Creek Rd was $3,166.

Source: Lane County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Unified School District	Eugene School District 4J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,166.00	$231,227	$500,758 Land $209,192 Building $291,566
2023	$3,074.00 (+3.99%)	$217,955 (+3%)	$461,584 (+5.74%) Land $234,504 Building $227,080
2022	$2,956.00	$211,607	$436,535 Land $255,792 Building $180,743

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

FEMA maps place 28246 Spencer Creek Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% 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

Wildfire risk around 28246 Spencer Creek Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: DFN, Hunter Communications.

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