Lane County property record for 32586 Howard Loop, Cottage Grove, OR 97424
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,288 sqft · built 1978 |
| Lot Size | 2.32 acres (101,059 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,000 (Sep 2023) |
| Tax Bill | $4,656 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-03-04-10-02800-000 |
| Primary APN | 21-03-04-10-02800-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,288 sqft Living Area |
| Gross Area | 3,772 sqft |
| 1st Floor Area | 1,644 sqft |
| Basement Area | 1,644 sqft |
| Finished Basement | 1,644 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 101,059 sqft (2.32 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 500 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 1259413 |
|---|---|
| Street Address | 32586 HOWARD LOOP |
| City | COTTAGE GROVE |
| State | OR |
| Zip | 97424-2840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR2 |
| Legal Description | TL 02800 |
| Legal Range | 03 |
| Legal Township | 21 |
| Legal Section | 04 |
| Legal Subdivision | HOWARD HILLS |
| Legal Lot Number | 2800 |
| Jurisdiction | LANE OR |
| Township / Civil Division | COTTAGE GROVE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 1302 |
Source: Lane County assessment roll, APN 21-03-04-10-02800-000, as of November 10, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| May 04, 2023 | Deed of Trust, Mortgage · Line of Credit BANNER BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 26, 2023 · Amount on Record |
| Deed Sale | Sep 26, 2023 · Amount on Record |
| Deed Document Number | 202328014 |
| Prior Transfer Date | Jun 01, 2015 |
| Prior Transfer Doc | 0000024692 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANE OR |
| Property Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Document Number | 0000039702 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 2025-039702 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.62% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANE OR |
| Recording Date | Sep 26, 2023 |
| Property Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Document Number | 0000028014 |
| Map Reference | MB 72 PG 199&200 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 2023-028014 |
| Transaction Type | Transfer |
| Record Updated | Oct 04, 2023 |
| Title Company | EVERGREEN LAND TITLE COMPANY, EVERGREEN LAND TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Document Number | 0000028015 |
|---|---|
| Date | Sep 26, 2023 |
| Instrument | 2023-028015 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANE OR |
| Property Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 32586 HOWARD LOOP, COTTAGE GROVE, OR 97424-2840 |
| Document Number | 0000012116 |
|---|---|
| Date | May 04, 2023 |
| Instrument | 2023-012116 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Address | COTTAGE GROVE, OR 97424 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lane County assessment roll as of November 10, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Lane County |
| Unified School District | South Lane School District 45J (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,656.00 (+4.35%) | $413,901 (+6.09%) | $910,169 (+27.6%) Land $194,367 Building $715,802 |
| 2023 | $4,462.00 (+4.59%) | $390,142 (+3%) | $713,307 (+5.23%) Land $171,783 Building $541,524 |
| 2022 | $4,266.00 | $378,779 | $677,860 Land $171,783 Building $506,077 |
Source: FEMA National Flood Hazard Layer, Lane County (41039C), as of August 26, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 410390013021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 67% of the US · lower than 88% of Oregon |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, 168 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Douglas Electric Cooperative, Hunter Communications & Technologies.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures