32481 Howard Loop, Cottage Grove, OR 97424 Property Records

Lane County property record for 32481 Howard Loop, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,688 sqft · built 1868
Lot Size	1.36 acres (59,242 sqft)
Owner	Individual Name on Record
Last Sale	$419,500 (Jul 2021)
Tax Bill	$2,586 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-03-04-10-03200-000`

Property Details

APN / Parcel Number

Primary APN	`21-03-04-10-03200-000`
Alternative APN	`0937167`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,688 sqft Finished Area
1st Floor Area	1,272 sqft
Attic Area	416 sqft

Exterior

Year Built	Built 1868
Effective Year Built	Effective 1962
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	59,242 sqft (1.36 acres)
Garage Type	Detached
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces
Patio Area	260 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	0937167
Street Address	32481 HOWARD LOOP
City	COTTAGE GROVE
State	OR
Zip	97424-2883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR5-RURAL RES. (5 AC MIN)
Legal Description	SEC/TWN/RNG/MER:SEC 04 TWN 21 RNG 03
Legal Range	03W
Legal Township	21S
Legal Section	04
Legal Quarter	NE
Legal Lot Number	3200
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1010
Census Tract	1302

Owner

Source: Lane County records, as of October 27, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	32481 HOWARD LOOP, COTTAGE GROVE, OR 97424-2883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Prior Sale	Dec 21, 1998 · Amount on Record
Deed Document Number	2021-049272
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jul 27, 2021
Property Address	32481 HOWARD LOOP, COTTAGE GROVE, OR 97424-2883
Document Number	0000049272
Instrument Date	Jul 26, 2021
Instrument	2021-049272
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CASCADE 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	32481 HOWARD LOOP, COTTAGE GROVE, OR 97424-2883

Mortgage

Document Number	0000049273
Date	Jul 27, 2021
Instrument	2021-049273

Lender

Name	REDFIN MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Lane County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,586.00 (+4.53%)	$226,709 (+6.09%)	$468,946 (+3.78%) Land $179,081 Building $289,865
2023	$2,474.00 (+4.56%)	$213,696 (+3%)	$451,868 (+2.87%) Land $158,487 Building $293,381
2022	$2,366.00	$207,472	$439,244 Land $158,487 Building $280,757

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	12 (1996–2025)
Claims Outside the SFHA	9 of 12
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jan 2006 · 3 claims Flooding, Land, Mud Slides, High Winds,severe Storms, Nov 1996 · 3 claims

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Hunter Communications, T-Mobile.

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