314 S 7th St, Independence, OR 97351 Property Records

Polk County property record for 314 S 7th St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,685 sqft · built 1937
Lot Size	0.18 acres (7,821 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Sep 2018)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08428-BB-06900`

Property Details

APN / Parcel Number

Primary APN	`08428-BB-06900`
Alternative APN	`204538`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,685 sqft Living Area
Gross Area	3,198 sqft
1st Floor Area	1,153 sqft
Attic	Attic
Attic Area	1,064 sqft
Basement Area	1,153 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1972
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,821 sqft (0.18 acres)
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	204538
Street Address	314 S 7TH ST
City	INDEPENDENCE
State	OR
Zip	97351-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ONE STORY W/ATTIC AND BASEMENT
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Block	3
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3038
Census Tract	20305

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Polk County records, as of May 21, 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	314 S 7TH ST, INDEPENDENCE, OR 97351-1402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Mar 7, 2022	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jun 22, 2021	Intrafamily Transfer, Transfer
Sep 21, 2018	Warranty Deed, Transfer CALIBER HM LOANS
Sep 1, 2017	Warranty Deed, Transfer · Conventional with PMI OREGON ST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Sep 1, 2017 · Amount on Record
Deed Document Number	201811174
Last Transfer Date	Jun 22, 2021
Transfer Doc	0000010285
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	314 S 7TH ST, INDEPENDENCE, OR 97351-1402
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008807
Date	Jun 29, 2020
Instrument	2020-008807

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	314 S 7TH ST, INDEPENDENCE, OR 97351-1402
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 S 7TH ST, INDEPENDENCE, OR 97351-1402

Mortgage

Document Number	0000002896
Date	Mar 7, 2022
Instrument	2022-002896

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK OR
Recording Date	Jun 22, 2021
Property Address	314 S 7TH ST, INDEPENDENCE, OR 97351-1402
Document Number	0000010285
Instrument Date	Jun 22, 2021
Instrument	2021-010285
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	314 S 7TH ST, INDEPENDENCE, OR 97351-1402

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Sep 21, 2018
Property Address	314 S 7TH ST, INDEPENDENCE, OR 97351-1402
Document Number	0000011174
Instrument Date	Jul 30, 2018
Instrument	11174
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 S 7TH ST INDEPENDENCE OR 973511402, INDEPENDENCE, OR 97351-1402

Mortgage

Document Number	11175
Date	Sep 21, 2018
Instrument	11175

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Sep 1, 2017
Property Address	314 S 7TH ST, INDEPENDENCE, OR 97351-1402
Document Number	0000010579
Instrument Date	Aug 31, 2017
Instrument	10579
Transaction Type	Transfer
Record Updated	Sep 11, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
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	314 S 7TH ST INDEPENDENCE OR 973511402, INDEPENDENCE, OR 97351-1402

Mortgage

Document Number	10580
Date	Sep 1, 2017
Instrument	10580

Lender

Name	OREGON ST CU
Address	CORVALLIS, OR 97339-0306

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$166,750 (+3%) Land $39,630 Building $127,120	$443,850 (-4.77%) Land $150,000 Building $293,850
2025	$2,954.00 (+3.76%)	$161,900 (+3%) Land $38,470 Building $123,430	$466,060 (+3.9%) Land $149,300 Building $316,760
2024	$2,847.00 (-2.5%)	$157,190 (+2.99%) Land $37,350 Building $119,840	$448,550 (-2.31%) Land $137,000 Building $311,550
2023	$2,920.00 (+8.96%)	$152,620 (+3%) Land $36,260 Building $116,360	$459,150 (+12.07%) Land $138,200 Building $320,950
2022	$2,680.00	$148,180 Land $35,200 Building $112,980	$409,690 Land $117,500 Building $292,190

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 October 28, 2021 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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	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	INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399
Water Source	Groundwater
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) action level 15 ppb
Copper	1.45 mg/L (2021–2023) action level 1.3 mg/L

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 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Willamette Valley Fiber Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Hunter Communications.

Nearby Properties on S 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures