285 Cosmo St, Lafayette, OR 97127 Property Records

Yamhill County property record for 285 Cosmo St, Lafayette, OR 97127

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 2003
Lot Size	0.138 acres (6,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Apr 2024)
Tax Bill	$2,554 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R4401DA 00708`

Property Details

APN / Parcel Number

Primary APN	`R4401DA 00708`
Alternative APNs	`001520480` `520480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	1,152 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,007 sqft (0.138 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	285 COSMO ST
City	LAFAYETTE
State	OR
Zip	97127-6120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 8 IN LAFAYETTE ESTATES
Legal Range	04W
Legal Township	04S
Legal Section	01
Legal Subdivision	LAFAYETTE ESTATES
Legal Lot Number	8
Jurisdiction	YAMHILL OR
Township / Civil Division	NEWBERG
Census Block Group	4
Census Block	4000
Census Tract	30304

Owner

Source: Yamhill County records, as of August 18, 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	285 COSMO ST, LAFAYETTE, OR 97127-6120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 11, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Dec 6, 2017	Warranty Deed, Transfer · VA Mortgage ACCEPTANCE CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	20243131
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YAMHILL OR
Recording Date	Apr 15, 2024
Property Address	285 COSMO ST, LAFAYETTE, OR 97127-6120
Document Number	0000003131
Instrument Date	Apr 10, 2024
Instrument	202403131
Transaction Type	Transfer
Record Updated	Apr 22, 2024
Title Company	FIRST AMERICAN 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	Right of Survivorship
Address	285 COSMO ST, LAFAYETTE, OR 97127-6120

Mortgage

Document Number	0000003132
Date	Apr 15, 2024
Instrument	202403132

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YAMHILL OR
Property Address	285 COSMO ST, LAFAYETTE, OR 97127-6120
Document Number	0000002652
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	285 COSMO ST LAFAYETTE OR 971276120, LAFAYETTE, OR 97127-6120

Mortgage

Document Number	0000002652
Date	Feb 19, 2020
Instrument	2652

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YAMHILL OR
Recording Date	Dec 6, 2017
Property Address	285 COSMO ST, LAFAYETTE, OR 97127-6120
Document Number	0000019451
Instrument Date	Dec 6, 2017
Instrument	201719451
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 COSMO ST, LAFAYETTE, OR 97127-6120

Mortgage

Document Number	0000019452
Date	Dec 6, 2017
Instrument	201719452

Lender

Name	ACCEPTANCE CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Yamhill County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Yamhill County
Municipality	Lafayette City
Unified School District	McMinnville School District 40 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,554.00 (+2.69%)	$174,342 (+3%)	$366,292 (-2.91%) Land $175,192 Building $191,100
2024	$2,487.00 (+2.73%)	$169,264 (+3%)	$377,283 (+3.95%) Land $170,248 Building $207,035
2023	$2,421.00 (+1.98%)	$164,334 (+3%)	$362,964 (+5.06%) Land $167,976 Building $194,988
2022	$2,374.00	$159,548	$345,478 Land $162,536 Building $182,942

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 January 23, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	CITY OF LAFAYETTE serves 4,423 people · EPA ID OR4100452
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2021
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hunter Communications.

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