Polk County property record for 325 Williams St, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,072 sqft · built 1996 |
| Lot Size | 0.154 acres (6,720 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Apr 2018) |
| Tax Bill | $2,868 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08421-CA-05700 |
| Primary APN | 08421-CA-05700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,072 sqft Living Area |
| Gross Area | 1,611 sqft |
| 1st Floor Area | 625 sqft |
| 2nd Floor Area | 447 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,720 sqft (0.154 acres) |
| Garage Area | 539 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 115 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 200796 |
|---|---|
| Street Address | 325 WILLIAMS ST |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-2148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | E. A. THORPS TOWN PLAT OF INDEPENDENCE LOT 5 BLOCK 26 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 21 |
| Legal Subdivision | E. A. THORPS TOWN PLAT OF INDEPENDENCE |
| Legal Block | 26 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 20305 |
325 Williams St is owned and occupied by two individuals who bought it in April 2018.
Source: Polk County records, as of September 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 325 WILLIAMS ST, INDEPENDENCE, OR 97351-2148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| Aug 27, 2019 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| Apr 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2018 · Amount on File |
| Deed Sale | Apr 20, 2018 · Amount on File |
| Prior Sale | Jul 11, 2014 · Amount on File |
| Deed Document Number | 20184725 |
| Prior Transfer Date | Mar 27, 2014 |
| Prior Transfer Doc | 0000002508 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Aug 27, 2026 |
| Property Address | 325 WILLIAMS ST, INDEPENDENCE, OR 97351-2148 |
| Document Number | 0000006829 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 20266829 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 325 WILLIAMS ST, INDEPENDENCE, OR 97351-2148 |
| Document Number | 0000006829, |
|---|---|
| Date | Aug 27, 2026 |
| Instrument | 20266829 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 14, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 325 WILLIAMS ST, INDEPENDENCE, OR 97351-2148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0000019255 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 2020-019255 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 325 WILLIAMS ST, INDEPENDENCE, OR 97351-2148 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000009371 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 2019-009371 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Apr 20, 2018 |
| Property Address | 325 WILLIAMS ST, INDEPENDENCE, OR 97351-2148 |
| Document Number | 0000004725 |
| Map Reference | VOL D12 PG239 |
| Instrument Date | Apr 17, 2018 |
| Instrument | 2018-004725 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | AMERITITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 325 WILLIAMS ST, INDEPENDENCE, OR 97351-2148 |
| Document Number | 0000004726 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 2018-004726 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 325 Williams St was $2,868, up 3.8% from the year before.
Source: Polk County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Polk County |
| Municipality | Independence City |
| Unified School District | Central School District 13J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $161,900 (+3%) Land $34,310 Building $127,590 | $358,980 (+6.16%) Land $150,000 Building $208,980 | |
| 2025 | $2,868.00 (+3.76%) | $157,190 (+2.99%) Land $33,310 Building $123,880 | $338,140 (-6.48%) Land $135,000 Building $203,140 |
| 2024 | $2,764.00 (-2.5%) | $152,620 (+3%) Land $32,340 Building $120,280 | $361,570 (-1.44%) Land $137,000 Building $224,570 |
| 2023 | $2,835.00 (+8.95%) | $148,180 (+3%) Land $31,400 Building $116,780 | $366,850 (+8.26%) Land $138,200 Building $228,650 |
| 2022 | $2,602.00 | $143,870 Land $30,480 Building $113,390 | $338,870 Land $117,500 Building $221,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 325 Williams St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 7 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 risk around 325 Williams St is low, with less than 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 94% of the US · lower than 98.5% of Oregon |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 245 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 |
| Hunter Communications Fixed Wireless | 200 / 20 |
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