Lane County property record for 32549 Howard Loop, Cottage Grove, OR 97424
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 602 sqft · built 1976 |
| Lot Size | 1.22 acres (53,143 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,763 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-03-04-10-01900-000 |
| Primary APN | 21-03-04-10-01900-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 602 sqft Finished Area |
| 1st Floor Area | 1,724 sqft |
| Basement Area | 602 sqft |
| Finished Basement | 602 sqft |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 53,143 sqft (1.22 acres) |
| Driveway | Driveway |
| Driveway Area | 1,200 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 1259538 |
|---|---|
| Street Address | 32549 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 | SUBD:HOWARD HILLS FIRST ADDITION SEC/TWN/RNG/MER:SEC 04 TWN 21 RNG 03 |
| Legal Range | 03W |
| Legal Township | 21S |
| Legal Section | 04 |
| Legal Quarter | NE |
| Legal Subdivision | HOWARD HILLS FIRST ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 1900 |
| Jurisdiction | LANE OR |
| Township / Civil Division | COTTAGE GROVE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 1302 |
Source: Lane County records, as of October 27, 2025
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 Record |
|---|---|
| Mailing Address | 32549 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2021 |
| Deed Sale | Nov 23, 2021 |
| Deed Document Number | 2023-020777 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANE OR |
| Property Address | 32549 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000054050 |
|---|---|
| Date | Nov 26, 2019 |
| Instrument | 2019-054050 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
Source: Lane County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Lane County |
| Unified School District | South Lane School District 45J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,763.00 (+4.46%) Veteran's exemption | $274,344 (+6.09%) | $401,883 (+8.62%) Land $172,076 Building $229,807 |
| 2023 | $2,645.00 (+4.59%) Veteran's exemption | $258,597 (+3%) | $369,987 (+3.42%) Land $152,395 Building $217,592 |
| 2022 | $2,529.00 Veteran's exemption | $251,066 | $357,757 Land $152,395 Building $205,362 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 88% 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.
Source: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: DFN, Hunter Communications.
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