295 N First St, Irrigon, OR 97844 Property Records

Morrow County property record for 295 N First St, Irrigon, OR 97844

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,716 sqft · built 1947
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Aug 2025)
Tax Bill	$2,471 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Mar 2022 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05N2624DC-00103`

Property Details

APN / Parcel Number

Primary APN	`05N2624DC-00103`
Alternative APNs	`05N26E24DC-00103` `R02827` `2827`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Building Area	1,716 sqft Living Area
1st Floor Area	948 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Wood Siding
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Shed	1 Shed
Shed Area	334 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	2827
Street Address	295 N FIRST ST
City	IRRIGON
State	OR
Zip	97844-6997
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PROPERTY:R2827
Legal Range	26W
Legal Township	05N
Legal Section	24
Jurisdiction	MORROW OR
Township / Civil Division	BOARDMAN
Census Block Group	1
Census Block	1035
Census Tract	970102

Owner

Source: Morrow County records, as of May 26, 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 N FIRST ST, IRRIGON, OR 97844-6997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Mar 24, 2022	Deed of Trust, Mortgage · Reverse Mortgage ACADEMY MORTGAGE CORP
Aug 22, 2025	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 16, 2021	Warranty Deed, Transfer AMERITITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2025 · Amount on Record
Deed Sale	Aug 22, 2025 · Amount on Record
Prior Sale	Jul 16, 2021 · Amount on Record
Deed Document Number	202556928
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OR
Property Address	295 N FIRST ST, IRRIGON, OR 97844-6997
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201741038
Date	Sep 28, 2017
Instrument	2017-41038

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OR
Property Address	295 N FIRST ST, IRRIGON, OR 97844-6997
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 N FIRST ST, IRRIGON, OR 97844-6997

Mortgage

Document Number	0202250895
Date	Mar 24, 2022
Instrument	2022-50895

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	1048 Months
Due	Jul 21, 2109

Interest

Rate Type	Adjustable Rate
Rate	3.52%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.52%

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OR
Recording Date	Aug 22, 2025
Property Address	295 N FIRST ST, IRRIGON, OR 97844-6997
Document Number	0202556928
Instrument Date	Aug 18, 2025
Instrument	2025-56928
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	FIRST AM 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
Address	295 N FIRST ST, IRRIGON, OR 97844-6997

Mortgage

Document Number	0202556929
Date	Aug 22, 2025
Instrument	2025-56929

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OR
Recording Date	Jul 16, 2021
Property Address	295 N FIRST ST, IRRIGON, OR 97844-6997
Document Number	0202149327
Instrument Date	Jul 16, 2021
Instrument	2021-49327
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
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
Address	22007 NW RIPPLEWOOD DR, YAMHILL, OR 97148-8335

Tax Assessment & Valuation

Source: Morrow County assessment roll, as of November 3, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Morrow County
Municipality	Irrigon City
Unified School District	Morrow School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,471.00 (+18.8%)	$110,750 (+2.99%)	$305,530 (-4.06%) Land $58,790 Building $246,740
2024	$2,080.00 (+7.11%)	$107,530 (+3%)	$318,460 (+15.94%) Land $58,790 Building $259,670
2023	$1,942.00 (+38.91%)	$104,400 (+48.74%)	$274,670 (+41.14%) Land $50,680 Building $223,990
2022	$1,398.00	$70,190	$194,610 Land $44,850 Building $149,760

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 December 18, 2007

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 97% of the US · lower than 99.3% of Oregon
Wildfire Likelihood	0.02% 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 IRRIGON serves 2,133 people · EPA ID OR4100403
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Mountain Net Cable · Fixed Wireless	300 / 30

May also be available: AT&T.

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