285 Joy St, Talent, OR 97540 Property Records

Jackson County property record for 285 Joy St, Talent, OR 97540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,252 sqft · built 1990
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Dec 2022)
Tax Bill	$3,461 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`381W25CA3911`

Property Details

APN / Parcel Number

Primary APN	`381W25CA3911`
Alternative APNs	`381W25CA03911` `10778173`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,252 sqft Living Area
Gross Area	1,736 sqft
1st Floor Area	1,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Material	Other
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	80 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	285 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 2
Legal Block	1
Legal Lot Number	16
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	285 JOY ST, TALENT, OR 97540-6628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 21, 2021	Intrafamily Transfer, Transfer
Aug 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 26, 2020	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2022 · Amount on Record
Deed Sale	Dec 1, 2022 · Amount on Record
Prior Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	202234277
Prior Transfer Date	Oct 20, 2021
Prior Transfer Doc	0000044153
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Dec 1, 2022
Property Address	285 JOY ST, TALENT, OR 97540-6628
Document Number	0000034277
Map Reference	VOL 16 PG 32
Instrument Date	Nov 30, 2022
Instrument	2022-034277
Transaction Type	Transfer
Record Updated	Dec 8, 2022
Title Company	AMERITITLE

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 JOY ST, TALENT, OR 97540-6628

Mortgage

Document Number	0000034278
Date	Dec 1, 2022
Instrument	2022-034278

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON OR
Recording Date	Oct 21, 2021
Property Address	285 JOY ST, TALENT, OR 97540-6628
Document Number	0000044153
Map Reference	VOL 16 PG 32
Instrument Date	Oct 20, 2021
Instrument	2021-044153
Transaction Type	Transfer
Record Updated	Oct 28, 2021

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
Address	285 JOY DRIVE, MEDFORD, OR 97504

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	285 JOY ST, TALENT, OR 97540-6628
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027689
Date	Aug 14, 2017
Instrument	2017-027689

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2037

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Aug 26, 2020
Property Address	285 JOY ST, TALENT, OR 97540-6628
Document Number	0000030590
Map Reference	VOL 16 PG 32
Instrument Date	Jul 6, 2020
Instrument	2020-030590
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 by the Entirety
Address	285 JOY ST, TALENT, OR 97540-6628

Mortgage

Document Number	0000030591
Date	Aug 26, 2020
Instrument	2020-030591

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

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		$222,680 (+3%)	$427,700 (+3.49%) Land $165,240 Building $262,460
2025	$3,461.00 (+2.43%)	$216,200 (+3%) Land $61,220 Building $154,980	$413,290 (+0.54%) Land $165,000 Building $248,290
2024	$3,379.00 (+3.24%)	$209,910 (+3%) Land $59,430 Building $150,480	$411,070 (+11.01%) Land $157,800 Building $253,270
2023	$3,273.00 (+2.7%)	$203,800 (+3%) Land $57,700 Building $146,100	$370,310 (-7.97%) Land $130,730 Building $239,580
2022	$3,187.00	$197,870 Land $56,020 Building $141,850	$402,380 Land $134,130 Building $268,250

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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