315 Cosmo St, Lafayette, OR 97127 Property Records

Yamhill County property record for 315 Cosmo St, Lafayette, OR 97127

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 2003
Lot Size	0.105 acres (4,552 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jun 2019)
Tax Bill	$2,481 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R4401DA 00710`

Property Details

APN / Parcel Number

Primary APN	`R4401DA 00710`
Alternative APNs	`001520486` `520486`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,656 sqft
1st Floor Area	896 sqft
Attic	Attic
Attic Area	400 sqft
Flooring	Carpet

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,552 sqft (0.105 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	315 COSMO ST
City	LAFAYETTE
State	OR
Zip	97127-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 10 IN LAFAYETTE ESTATES
Legal Range	04W
Legal Township	04S
Legal Section	01
Legal Subdivision	LAFAYETTE ESTATES
Legal Lot Number	10
Jurisdiction	YAMHILL OR
Township / Civil Division	NEWBERG
Census Block Group	4
Census Block	4000
Census Tract	30304

Owner

315 Cosmo St is owned and occupied by two individuals who bought it in June 2019.

Source: Yamhill County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 COSMO ST, LAFAYETTE, OR 97127-6102
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 14, 2020	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORP
Jun 28, 2019	Personal Representative Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Prior Sale	Oct 25, 2016 · Amount on File
Deed Document Number	20198485
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YAMHILL OR
Property Address	315 COSMO ST, LAFAYETTE, OR 97127-6102
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011821
Date	Jun 9, 2021
Instrument	202111821

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YAMHILL OR
Property Address	315 COSMO ST, LAFAYETTE, OR 97127-6102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022654
Date	Dec 14, 2020
Instrument	202022654

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	344 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	YAMHILL OR
Recording Date	Jun 28, 2019
Property Address	315 COSMO ST, LAFAYETTE, OR 97127-6102
Document Number	0000008485
Instrument Date	Jun 27, 2019
Instrument	201908485
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	315 COSMO ST, LAFAYETTE, OR 97127-6102

Mortgage

Document Number	0000008486
Date	Jun 28, 2019
Instrument	201908486

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 315 Cosmo St was $2,481, up 2.6% from the year before.

Source: Yamhill County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Yamhill County
Municipality	Lafayette City
Unified School District	McMinnville School District 40 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,481.00 (+2.65%)	$169,386 (+3%)	$359,146 (-2.98%) Land $169,333 Building $189,813
2024	$2,417.00 (+2.76%)	$164,452 (+3%)	$370,191 (+0.07%) Land $164,389 Building $205,802
2023	$2,352.00 (+1.99%)	$159,662 (+3%)	$369,923 (+5.2%) Land $162,117 Building $207,806
2022	$2,306.00	$155,012	$351,652 Land $156,677 Building $194,975

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 315 Cosmo St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 23, 2024

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

Wildfire risk around 315 Cosmo St 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	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 LAFAYETTE serves 4,423 people · EPA ID OR4100452
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2021
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hunter Communications.

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