320 E Madison Ave, Cottage Grove, OR 97424 Property Records

Lane County property record for 320 E Madison Ave, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1900
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (May 2024)
Tax Bill	$1,972 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`20-03-28-33-08000-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-28-33-08000-000`
Alternative APNs	`2003283308000` `0895910`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	1,362 sqft
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1972
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	123 ft deep x 61 ft wide
Garage Type	Attached
Garage Area	354 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	0895910
Street Address	320 E MADISON AVE
City	COTTAGE GROVE
State	OR
Zip	97424-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	TL 08000
Legal Range	03
Legal Township	20
Legal Section	28
Legal Subdivision	WYNNES SECOND ADDITION TO COTTAGE GROVE
Legal Block	2
Legal Lot Number	8000
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	3
Census Block	3016
Census Tract	1202

Owner

Source: Lane 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	320 E MADISON AVE, COTTAGE GROVE, OR 97424-2121
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 16, 2024	Warranty Deed, Transfer · Conventional Mortgage MLD MORTGAGE
Jun 25, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 13, 2019	Quit Claim Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Oct 31, 2017	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2024 · Amount on Record
Deed Sale	May 16, 2024 · Amount on Record
Prior Sale	Oct 31, 2017 · Amount on Record
Deed Document Number	202413387
Prior Transfer Date	Mar 8, 2019
Prior Transfer Doc	0000009223
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	May 16, 2024
Property Address	320 E MADISON AVE, COTTAGE GROVE, OR 97424-2121
Document Number	0000013387
Map Reference	MB 3 PG 12
Instrument Date	May 15, 2024
Instrument	2024-013387
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	WESTERN TITLE & ESCROW

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	320 E MADISON AVE, COTTAGE GROVE, OR 97424-2121

Mortgage

Document Number	0000013388
Date	May 16, 2024
Instrument	2024-013388

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

June 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LANE OR
Recording Date	Jun 25, 2021
Property Address	320 E MADISON AVE, COTTAGE GROVE, OR 97424-2121
Document Number	0000042036
Map Reference	MB 3 PG 12
Instrument Date	Jun 21, 2021
Instrument	2021-042036
Transaction Type	Transfer
Record Updated	Jul 1, 2021
Title Company	WESTERN TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E MADISON AVE, COTTAGE GROVE, OR 97424-2121

Mortgage

Document Number	0000042037
Date	Jun 25, 2021
Instrument	2021-042037

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANE OR
Recording Date	Mar 13, 2019
Property Address	320 E MADISON AVE, COTTAGE GROVE, OR 97424-2121
Document Number	0000009223
Instrument Date	Mar 8, 2019
Instrument	9223
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	320 E MADISON AVE COTTAGE GROVE OR 974242121, COTTAGE GROVE, OR 97424-2121

Mortgage

Document Number	9224
Date	Mar 13, 2019
Instrument	9224

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Oct 31, 2017
Property Address	320 E MADISON AVE, COTTAGE GROVE, OR 97424-2121
Document Number	0000054120
Instrument Date	Oct 19, 2017
Instrument	54120
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	WESTERN TITLE AND ESCROW COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E MADISON AVE COTTAGE GROVE OR 974242121, COTTAGE GROVE, OR 97424-2121

Mortgage

Document Number	54121
Date	Oct 31, 2017
Instrument	54121

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

Source: Lane County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Cottage Grove City
Unified School District	South Lane School District 45J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,972.00 (+4.89%)	$107,973 (+6.09%)	$342,007 (+5.55%) Land $47,994 Building $294,013
2023	$1,880.00 (+4.04%)	$101,776 (+3%)	$324,037 (+9.69%) Land $36,471 Building $287,566
2022	$1,807.00	$98,812	$295,400 Land $37,565 Building $257,835

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 26, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 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	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 COTTAGE GROVE serves 10,879 people · EPA ID OR4100236
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	8 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hunter Communications Fixed Wireless	200 / 20

May also be available: CenturyLink.

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