Clatsop County property record for 298 Summit Ave, Gearhart, OR 97138
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1979 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,255 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jan 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 61003CD03000 |
| Primary APN | 61003CD03000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 1,888 sqft |
| 1st Floor Area | 1,360 sqft |
| Family Room | Family Room |
| Interior Walls | Wood |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Driveway |
| Driveway Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 180 sqft |
| Patio Area | 180 sqft |
| Fence | Fence |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 8311 |
|---|---|
| Street Address | 298 SUMMIT AVE |
| City | GEARHART |
| State | OR |
| Zip | 97138-4209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GEARHART HEIGHTS TRACTS TR 50 |
| Legal Range | 10 |
| Legal Township | 06 |
| Legal Section | 03 |
| Legal Quarter | SW |
| Quarter-Quarter Section | SE |
| Legal Subdivision | GEARHART HEIGHTS |
| Legal Tract | 50 |
| Jurisdiction | CLATSOP OR |
| Township / Civil Division | ASTORIA |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 950700 |
298 Summit Ave is owned and occupied by an individual who acquired it in January 2017.
Source: Clatsop County records, as of November 6, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 298 SUMMIT AVE, GEARHART, OR 97138-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2022 | Deed of Trust, Mortgage · Line of Credit UMPQUA BANK |
| Jan 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jan 15, 2020 | Deed of Trust, Mortgage · Line of Credit FIBRE FCU |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 5, 2017 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 5, 2017 |
| Transfer Doc | 0000000124 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLATSOP OR |
| Property Address | 298 SUMMIT AVE, GEARHART, OR 97138-4209 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 298 SUMMIT AVE, SEASIDE, OR 97138-4209 |
| Document Number | 0000005466 |
|---|---|
| Date | Jul 27, 2022 |
| Instrument | 202205466 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | ROSEBURG, OR 97470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLATSOP OR |
| Property Address | 298 SUMMIT AVE, GEARHART, OR 97138-4209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | TICOR TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000000481 |
|---|---|
| Date | Jan 20, 2017 |
| Instrument | 201700481 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLATSOP OR |
| Property Address | 298 SUMMIT AVE, GEARHART, OR 97138-4209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000000323 |
|---|---|
| Date | Jan 15, 2020 |
| Instrument | 202000323 |
| Name | FIBRE FCU |
|---|---|
| Type | Credit Union |
| Address | LONGVIEW, WA 98632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 14, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLATSOP OR |
| Property Address | 298 SUMMIT AVE, GEARHART, OR 97138-4209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TTL GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000008252 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 202008252 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLATSOP OR |
| Recording Date | Jan 5, 2017 |
| Property Address | 298 SUMMIT AVE, GEARHART, OR 97138-4209 |
| Document Number | 0000000124 |
| Instrument Date | Apr 20, 2016 |
| Instrument | 124 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2017 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2037 GEARHART OR 971382037, GEARHART, OR 97138-2037 |
The 2025 property tax bill for 298 Summit Ave was $3,255.
Source: Clatsop County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Clatsop County |
| Municipality | Gearhart City |
| Unified School District | Seaside School District 10 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,255.00 | $324,162 Building $324,162 | $543,412 Land $219,250 Building $324,162 |
| 2023 | $3,216.00 (+3.08%) | $280,942 (+3%) | $552,716 (+7.09%) Land $222,493 Building $330,223 |
| 2022 | $3,120.00 | $272,760 | $516,138 Land $193,472 Building $322,666 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 298 Summit Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 23, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 111 individual policies |
| Nearby Flood Policies | 118 units insured incl. 7 condo units |
| Nearby Flood Claims | 7 (1996–2012) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Dec 2012 · other causes |
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 risk around 298 Summit Ave 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GEARHART WATER DEPARTMENT serves 1,780 people · EPA ID OR4100318 |
|---|---|
| Water Source | Purchased surface water from CITY OF WARRENTON |
| Last State Inspection | Nov 2021 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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