295 Joy St, Talent, OR 97540 Property Records

Jackson County property record for 295 Joy St, Talent, OR 97540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 1990
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (Jan 2020)
Tax Bill	$3,828 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Apr 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`381W25CA3912`

Property Details

APN / Parcel Number

Primary APN	`381W25CA3912`
Alternative APNs	`381W25CA03912` `10778181`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,528 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,528 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	110 sqft
Deck Area	304 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	295 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
Legal Block	1
Legal Lot Number	17
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	295 JOY ST, TALENT, OR 97540-6628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2020	Warranty Deed, Transfer · Conventional Mortgage ROGUE CU
Apr 5, 2019	Warranty Deed, Transfer AMERITITLE
Dec 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2020 · Amount on Record
Deed Sale	Jan 10, 2020 · Amount on Record
Prior Sale	Apr 5, 2019 · Amount on Record
Deed Document Number	2020950
Prior Transfer Date	Jun 8, 2018
Prior Transfer Doc	0000037094
Record Updated	Sep 20, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Jan 10, 2020
Property Address	295 JOY ST, TALENT, OR 97540-6628
Document Number	0000000950
Instrument Date	Jan 3, 2020
Instrument	950
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	295 JOY ST TALENT OR 975406628, TALENT, OR 97540-6628

Mortgage

Document Number	951
Date	Jan 10, 2020
Instrument	951

Lender

Name	ROGUE CU
Address	MEDFORD, OR 97501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Apr 5, 2019
Property Address	295 JOY ST, TALENT, OR 97540-6628
Document Number	0000008991
Instrument Date	Apr 4, 2019
Instrument	8991
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Tax	$283.16
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1128 OLD HIGHWAY 99 S ASHLAND OR 975209015, ASHLAND, OR 97520-9015

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON OR
Recording Date	Dec 5, 2018
Property Address	295 JOY ST, TALENT, OR 97540-6628
Document Number	0000037094
Instrument Date	Jun 8, 2018
Instrument	37094
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 JOY ST TALENT OR 975406628, TALENT, OR 97540-6628

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		$246,300 (+3%)	$452,300 (+3.61%) Land $163,080 Building $289,220
2025	$3,828.00 (+2.41%)	$239,130 (+3%) Land $61,240 Building $177,890	$436,550 (+0.38%) Land $163,000 Building $273,550
2024	$3,738.00 (+3.26%)	$232,170 (+3%) Land $59,460 Building $172,710	$434,880 (+9.91%) Land $155,800 Building $279,080
2023	$3,620.00 (+2.7%)	$225,410 (+3%) Land $57,730 Building $167,680	$395,680 (-7.89%) Land $128,730 Building $266,950
2022	$3,525.00	$218,850 Land $56,050 Building $162,800	$429,560 Land $129,760 Building $299,800

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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