32515 Howard Loop, Cottage Grove, OR 97424 Property Records

Lane County property record for 32515 Howard Loop, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,078 sqft · built 1978
Lot Size	2 acres (87,120 sqft)
Owner	2 Trust Names on File
Last Sale	$370,500 (Sep 2015)
Tax Bill	$4,382 (2025)
Deeds & Mortgages	Jun 2021 Transfer Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-03-04-10-02900-000`

Property Details

APN / Parcel Number

Primary APN	`21-03-04-10-02900-000`
Alternative APN	`1236239`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,078 sqft Finished Area
1st Floor Area	2,078 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1996
Exterior Material	Composition/Composite
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	600 sqft
Driveway	Driveway
Driveway Area	4,600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1236239
Street Address	32515 HOWARD LOOP
City	COTTAGE GROVE
State	OR
Zip	97424-2839
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	2900
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1010
Census Tract	1302

Owner

32515 Howard Loop is held in a trust since June 2021.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 588, COTTAGE GROVE, OR 97424-0025
Owner Type	Company, Secondary Individual
Vesting	Trust

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 1, 2021	Intrafamily Transfer, Transfer AMROCK LLC
Jun 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 2, 2015 · Amount on File
Deed Sale	Sep 2, 2015 · Amount on File
Prior Sale	Jun 1, 2021
Deed Document Number	0000044271
Record Updated	Jun 8, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANE OR
Recording Date	Jun 1, 2021
Property Address	32515 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839
Document Number	0000036467
Instrument Date	May 19, 2021
Instrument	2021-036467
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	Living Trust
Address	32515 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANE OR
Recording Date	Jun 1, 2021
Property Address	32515 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839
Document Number	0000036465
Instrument Date	May 19, 2021
Instrument	2021-036465
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	AMROCK LLC

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	3251 S HOWARD LOOP, COTTAGE GROVE, OR 97424

Mortgage

Document Number	0000036466
Date	Jun 1, 2021
Instrument	2021-036466

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 32515 Howard Loop was $4,382.

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	$4,382.00	$389,112	$659,561 Land $188,306 Building $471,255
2023	$4,199.00 (+4.61%)	$366,776 (+3%)	$609,071 (+2.27%) Land $167,008 Building $442,063
2022	$4,014.00	$356,094	$595,543 Land $167,008 Building $428,535

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

Flood

FEMA maps place 32515 Howard Loop in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1996.

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 File 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

Wildfire risk around 32515 Howard Loop is low, with a 0.03% 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	0.03% 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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