304 Cowlitz St, Umatilla, OR 97882 Property Records

Umatilla County property record for 304 Cowlitz St, Umatilla, OR 97882

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1974
Lot Size	0.213 acres (9,258 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Mar 2017)
Tax Bill	$2,535 (2025)
Deeds & Mortgages	Oct 2012 Second Mortgage Mar 2017 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`5N2814BC01500`

Property Details

APN / Parcel Number

Primary APN	`5N2814BC01500`
Alternative APNs	`115361.00` `115361`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	1,344 sqft
Family Room	Family Room

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	9,258 sqft (0.213 acres)
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	210 sqft
Patio Area	458 sqft
Shed	1 Shed
Shed Area	124 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	115361
Street Address	304 COWLITZ ST
City	UMATILLA
State	OR
Zip	97882-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MCNARY TOWNSITE BLOCK: 6 LOT: 7
Legal Range	28
Legal Township	05N
Legal Section	14
Legal Subdivision	MCNARY TOWNSITE
Legal Block	6
Legal Lot Number	7
Jurisdiction	UMATILLA OR
Township / Civil Division	HERMISTON-UMATILLA
Census Block Group	1
Census Block	1035
Census Tract	950800

Owner

Source: Umatilla County records, as of March 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	304 COWLITZ ST, UMATILLA, OR 97882-9606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2012	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OREGON AFFORDABLE HOUSING ASSISTANCE COR
Mar 27, 2017	Special Warranty Deed, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE
Mar 16, 2017	Sheriff's Deed, Foreclosure
Jan 19, 2017	Sheriff's Deed, Foreclosure
Jun 8, 2009	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE ADVISORY GROUP
Apr 6, 2006	Warranty Deed, Transfer · Conventional Mortgage BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2017 · Amount on Record
Deed Sale	Mar 16, 2017 · Amount on Record
Prior Sale	Jan 19, 2017 · Amount on Record
Deed Document Number	20176550613
Prior Transfer Date	Mar 6, 2017
Prior Transfer Doc	20176550613
Record Updated	Oct 29, 2026

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UMATILLA OR
Property Address	304 COWLITZ ST, UMATILLA, OR 97882-9606
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20125980022
Date	Oct 31, 2012
Instrument	2012-5980022

Lender

Name	OREGON AFFORDABLE HOUSING ASSISTANCE COR
Type	Government Agency
Address	SALEM, OR 97301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	51 Months
Due	Jan 1, 2017

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Mar 27, 2017
Property Address	304 COWLITZ ST, UMATILLA, OR 97882-9606
Document Number	20176560207
Instrument Date	Mar 24, 2017
Instrument	2017-6560207
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3415 VISION DR, COLUMBUS, OH 43219-6009

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2230 CLINTON ST, POCATELLO, ID 83204-3658

March 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	UMATILLA OR
Recording Date	Mar 16, 2017
Property Address	304 COWLITZ ST, UMATILLA, OR 97882-9606
Document Number	20176550613
Instrument Date	Mar 6, 2017
Instrument	2017-6550613
Transaction Type	Foreclosure
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 COWLITZ ST, UMATILLA, OR 97882-9606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3415 VISION DR, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

January 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	UMATILLA OR
Recording Date	Jan 19, 2017
Property Address	304 COWLITZ ST, UMATILLA, OR 97882-9606
Document Number	20176530527
Instrument Date	Jul 28, 2016
Instrument	2017-6530527
Transaction Type	Foreclosure
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3415 VISION DR, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

June 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Jun 8, 2009
Property Address	304 COWLITZ ST, UMATILLA, OR 97882-9606
Document Number	20095520226
Instrument Date	Jun 5, 2009
Instrument	2009-5520226
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
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	304 COWLITZ ST, UMATILLA, OR 97882-9606

Mortgage

Document Number	20095520227
Date	Jun 8, 2009
Instrument	2009-5520227

Lender

Name	MORTGAGE ADVISORY GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2039

April 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UMATILLA OR
Recording Date	Apr 6, 2006
Property Address	304 COWLITZ ST, UMATILLA, OR 97882-9606
Document Number	20064980647
Instrument Date	Apr 3, 2006
Instrument	2006-4980647
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE CO

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
Address	PO BOX 746, HERMISTON, OR 97838-0746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4411, WEST RICHLAND, WA 99353-4006

Mortgage

Document Number	20064980648
Date	Apr 6, 2006
Instrument	2006-4980648

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2036

Tax Assessment & Valuation

Source: Umatilla County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Umatilla County
Municipality	Umatilla City
Unified School District	Umatilla School District 6 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,535.00 (+5.71%)	$156,790 (+6.08%) Land $34,990 Building $121,800	$241,280 (+2.78%) Land $66,000 Building $175,280
2023	$2,398.00	$147,800 Land $32,980 Building $114,820	$234,760 Land $63,240 Building $171,520

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 June 2, 2016

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	Moderate above 62% of the US · lower than 75% of Oregon
Wildfire Likelihood	0.2% 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 UMATILLA serves 8,256 people · EPA ID OR4100914
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 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	5 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 247 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: Verizon.

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