320 Cosmo St, Lafayette, OR 97127 Property Records

Yamhill County property record for 320 Cosmo St, Lafayette, OR 97127

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 2003
Lot Size	0.106 acres (4,626 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Feb 2020)
Tax Bill	$2,469 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R4401DA 00726`

Property Details

APN / Parcel Number

Primary APN	`R4401DA 00726`
Alternative APNs	`001520534` `520534`

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	4,626 sqft (0.106 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	320 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 26 IN LAFAYETTE ESTATES
Legal Range	04W
Legal Township	04S
Legal Section	01
Legal Subdivision	LAFAYETTE ESTATES
Legal Lot Number	26
Jurisdiction	YAMHILL OR
Township / Civil Division	NEWBERG
Census Block Group	4
Census Block	4004
Census Tract	30304

Owner

320 Cosmo St is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	320 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
Feb 28, 2020	Warranty Deed, Transfer · Conventional Mortgage MANN MORTGAGE LLC
Aug 5, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 7, 2017	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Sep 7, 2017 · Amount on File
Deed Document Number	20203261
Prior Transfer Date	Jul 30, 2019
Prior Transfer Doc	0000010568
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YAMHILL OR
Recording Date	Feb 28, 2020
Property Address	320 COSMO ST, LAFAYETTE, OR 97127-6102
Document Number	0000003261
Instrument Date	Jan 14, 2020
Instrument	202003261
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount on Record
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	320 COSMO ST, LAFAYETTE, OR 97127-6102

Mortgage

Document Number	0000003262
Date	Feb 28, 2020
Instrument	202003262

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YAMHILL OR
Recording Date	Aug 5, 2019
Property Address	320 COSMO ST, LAFAYETTE, OR 97127-6102
Document Number	0000010568
Instrument Date	Jul 30, 2019
Instrument	201910568
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	FIRST AMERICAN

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	Tenants by the Entirety
Address	320 COSMO ST, LAFAYETTE, OR 97127-6102

Mortgage

Document Number	0000010569
Date	Aug 5, 2019
Instrument	201910569

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YAMHILL OR
Recording Date	Sep 7, 2017
Property Address	320 COSMO ST, LAFAYETTE, OR 97127-6102
Document Number	0000014469
Instrument Date	Sep 1, 2017
Instrument	201714469
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	TICOR TITLE COMPANY OF OR

Transaction

Amount	Amount on Record
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
Relationship	Right of Survivorship
Address	320 COSMO ST, LAFAYETTE, OR 97127-6102

Mortgage

Document Number	0000014470
Date	Sep 7, 2017
Instrument	201714470

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 320 Cosmo St was $2,469, up 2.7% 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	$2,469.00 (+2.66%)	$168,573 (+3%)	$384,297 (-3.28%) Land $169,680 Building $214,617
2024	$2,405.00 (+2.73%)	$163,663 (+3%)	$397,311 (-1.23%) Land $164,736 Building $232,575
2023	$2,341.00 (+2%)	$158,896 (+3%)	$402,271 (+14.28%) Land $162,464 Building $239,807
2022	$2,295.00	$154,268	$351,999 Land $157,024 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 320 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 320 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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