28520 Spencer Creek Rd, Eugene, OR 97405 Property Records

Lane County property record for 28520 Spencer Creek Rd, Eugene, OR 97405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,801 sqft · built 1976
Lot Size	1.27 acres (55,321 sqft)
Owner	2 Company Names on File
Last Sale	$686,000 (Mar 2021)
Tax Bill	$5,471 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-04-19-00-02406-000`

Property Details

APN / Parcel Number

Primary APN	`18-04-19-00-02406-000`
Alternative APNs	`1804190002406` `1138591`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,801 sqft Living Area
1st Floor Area	2,801 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1981
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	55,321 sqft (1.27 acres)
Garage Type	Open
Garage Area	1,050 sqft
Driveway	Driveway
Driveway Area	1,050 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1138591
Street Address	28520 SPENCER CREEK RD
City	EUGENE
State	OR
Zip	97405-9425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E40
Legal Description	TL 02406
Legal Range	04
Legal Township	18
Legal Section	19
Legal Lot Number	2406
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	1
Census Block	1033
Census Tract	1002

Owner

Source: Lane County records, as of October 16, 2026

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

Owner of Record	2 Company Names on File
Mailing Address	2345 TODD ST, EUGENE, OR 97405-5507
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Mar 25, 2021	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Prior Sale	Sep 13, 2013 · Amount on File
Deed Document Number	202120615
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	28520 SPENCER CREEK RD, EUGENE, OR 97405-9425
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052427
Date	Sep 17, 2020
Instrument	2020-052427

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Mar 25, 2021
Property Address	28520 SPENCER CREEK RD, EUGENE, OR 97405-9425
Document Number	0000020615
Instrument Date	Mar 23, 2021
Instrument	2021-020615
Transaction Type	Transfer
Record Updated	Aug 29, 2022
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2345 TODD ST, EUGENE, OR 97405-5507

Mortgage

Document Number	0000020616
Date	Mar 25, 2021
Instrument	2021-020616

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Lane County assessment roll, as of November 10, 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	$5,471.00 (+3.15%)	$393,902 (+6.09%)	$757,037 (+7.78%) Land $198,957 Building $558,080
2023	$5,304.00 (+3.96%)	$371,292 (+3%)	$702,415 (+9.24%) Land $222,350 Building $480,065
2022	$5,102.00	$360,478	$643,025 Land $241,963 Building $401,062

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 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

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hunter Communications.

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