2865 Cheryl St, Eugene, OR 97408 Property Records

Lane County property record for 2865 Cheryl St, Eugene, OR 97408

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,486 sqft · built 1975
Lot Size	0.15 acres (6,534 sqft)
Owner	Trust Name on File
Last Sale	$424,000 (Aug 2020)
Tax Bill	$5,795 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Aug 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-17-13-05500-000`

Property Details

APN / Parcel Number

Primary APN	`17-03-17-13-05500-000`
Alternative APN	`1013687`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,486 sqft Finished Area
1st Floor Area	2,029 sqft
2nd Floor Area	457 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	95 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	96 sqft
Driveway	Driveway
Driveway Area	240 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	1013687
Street Address	2865 CHERYL ST
City	EUGENE
State	OR
Zip	97408-4797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-LOW-DENSITY RES
Legal Description	SUBD:LAKECREST PARK SEC/TWN/RNG/MER:SEC 17 TWN 17 RNG 03
Legal Range	03W
Legal Township	17S
Legal Section	17
Legal Quarter	NE
Quarter-Quarter Section	SW
Legal Subdivision	LAKECREST PARK
Legal Block	2
Legal Lot Number	5500
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	2
Census Block	2011
Census Tract	2203

Owner

2865 Cheryl St is owner-occupied and held in a trust since August 2020.

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

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	Trust Name on File
Mailing Address	2865 CHERYL ST, EUGENE, OR 97408-4797
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 20, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Sep 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Apr 28, 2009 · Amount on File
Deed Document Number	2020-046231
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2865 CHERYL ST, EUGENE, OR 97408-4797
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047510
Date	Oct 10, 2018
Instrument	2018-047510

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Aug 20, 2020
Property Address	2865 CHERYL ST, EUGENE, OR 97408-4797
Document Number	0000046231
Instrument Date	Aug 19, 2020
Instrument	46231
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$424.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2865 CHERYL ST EUGENE OR 974084797, EUGENE, OR 97408-4797

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	2865 CHERYL ST, EUGENE, OR 97408-4797
Document Number	0000043157
Instrument Date	Sep 5, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2865 CHERYL ST EUGENE OR 974084797, EUGENE, OR 97408-4797

Mortgage

Document Number	0000043157
Date	Sep 13, 2018
Instrument	43157

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.59%

Tax Assessment & Valuation

The 2025 property tax bill for 2865 Cheryl St was $5,795.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,795.00	$297,428	$598,026 Land $193,886 Building $404,140
2023	$5,577.00 (+4.03%)	$280,356 (+3%)	$600,060 (-1.32%) Land $135,966 Building $464,094
2022	$5,361.00	$272,191	$608,066 Land $100,616 Building $507,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2865 Cheryl St 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 7 (15% 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 2865 Cheryl St is low, with a 0.01% 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	0.01% 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	EUGENE WATER & ELECTRIC BOARD serves 176,000 people · EPA ID OR4100287
Water Source	Surface water
Last State Inspection	Jul 2021
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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