32581 Howard Loop, Cottage Grove, OR 97424 Property Records

Lane County property record for 32581 Howard Loop, Cottage Grove, OR 97424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 2001
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Owner Names on File
Last Sale	$199,000 (Feb 2003)
Tax Bill	$3,107 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-03-04-10-01600-000`

Property Details

APN / Parcel Number

Primary APN	`21-03-04-10-01600-000`
Alternative APN	`1259504`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,616 sqft Finished Area
1st Floor Area	1,616 sqft

Exterior

Year Built	Built 2001
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	54,886 sqft (1.26 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	400 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	1259504
Street Address	32581 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	1600
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1010
Census Tract	1302

Owner

The current owner of 32581 Howard Loop bought it in February 2003.

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 Owner Names on File
Mailing Address	32581 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN PACIFIC MORTGAGE CORP
Apr 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2003 · Amount on File
Deed Sale	Feb 27, 2003 · Amount on File
Prior Sale	Jun 27, 2001 · Amount on File
Deed Document Number	2003-017512
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	32581 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32581 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839
Investor	Possibly a Property Investor

Mortgage

Document Number	0000013370
Date	May 17, 2023
Instrument	2023-013370

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	32581 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839
Transaction Type	Mortgage
Record Updated	Apr 8, 2022
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015316
Date	Apr 4, 2022
Instrument	2022-015316

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	32581 HOWARD LOOP, COTTAGE GROVE, OR 97424-2839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003386
Date	Jan 29, 2019
Instrument	2019-003386

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 32581 Howard Loop was $3,107.

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	$3,107.00	$273,879	$574,176 Land $178,291 Building $395,885
2023	$2,975.00 (+4.57%)	$258,158 (+3%)	$531,810 (+5.11%) Land $158,297 Building $373,513
2022	$2,845.00	$250,639	$505,978 Land $158,297 Building $347,681

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

Flood

FEMA maps place 32581 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 32581 Howard Loop is low, with a 0.04% annual chance of wildfire.

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.

Internet Providers

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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