32524 Howard Loop, Cottage Grove, OR 97424 Property Records

Lane County property record for 32524 Howard Loop, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,640 sqft · built 1939
Lot Size	5 acres (217,800 sqft)
Owner	2 Owner Names on Record
Last Sale	$169,600 (Apr 2013)
Tax Bill	$3,014 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-03-04-00-00708-000`

Property Details

APN / Parcel Number

Primary APN	`21-03-04-00-00708-000`
Alternative APN	`1064029`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,640 sqft Finished Area
Gross Area	2,570 sqft
1st Floor Area	1,190 sqft
Attic Area	450 sqft
Basement Area	930 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1954
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	480 sqft
Driveway	Driveway
Driveway Area	600 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	1064029
Street Address	32524 HOWARD LOOP
City	COTTAGE GROVE
State	OR
Zip	97424-2843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR5-RURAL RES. (5 AC MIN)
Legal Description	SUBD:HILLSIDE SEC/TWN/RNG/MER:SEC 04 TWN 21 RNG 03
Legal Range	03W
Legal Township	21S
Legal Section	04
Legal Subdivision	HILLSIDE
Legal Lot Number	708
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1023
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	2 Owner Names on Record
Mailing Address	32524 HOWARD LOOP, COTTAGE GROVE, OR 97424-2843
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2013 · Amount on Record
Deed Sale	Apr 11, 2013 · Amount on Record
Prior Sale	Sep 16, 1999 · Amount on Record
Deed Document Number	2013-019678
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	32524 HOWARD LOOP, COTTAGE GROVE, OR 97424-2843
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	LEX FIDELITY NATIONAL TTL CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021227
Date	Apr 30, 2020
Instrument	2020-021227

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	BEND, OR 97708

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	32524 HOWARD LOOP, COTTAGE GROVE, OR 97424-2843
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	FNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051380
Date	Sep 11, 2020
Instrument	2020-051380

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$3,014.00 (+4.15%)	$272,486 (+6.09%)	$565,465 (+4.67%) Land $210,730 Building $354,735
2023	$2,894.00 (+4.7%)	$256,845 (+3%)	$540,226 (+4.45%) Land $186,014 Building $354,212
2022	$2,764.00	$249,365	$517,220 Land $186,014 Building $331,206

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

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	0.04% 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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