32620 Howard Loop, Cottage Grove, OR 97424 Property Records

Lane County property record for 32620 Howard Loop, Cottage Grove, OR 97424

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,606 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	2 Company Names on Record
Last Sale	$425,000 (Aug 2021)
Tax Bill	$2,535 (2025)
Deeds & Mortgages	Aug 2021 Sale & Line of Credit Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-03-04-10-02802-000`

Property Details

APN / Parcel Number

Primary APN	`21-03-04-10-02802-000`
Alternative APNs	`2103041002802` `1372927`

Interior

Full Baths	2 Baths
Building Area	1,606 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	256 sqft
Driveway	Driveway
Driveway Area	1,583 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1372927
Street Address	32620 HOWARD LOOP
City	COTTAGE GROVE
State	OR
Zip	97424-2800
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RR2
Legal Description	TL 02802
Legal Range	03
Legal Township	21
Legal Section	04
Legal Subdivision	HOWARD HILLS
Legal Block	1
Legal Lot Number	2802
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 November 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	32620 HOWARD LOOP, COTTAGE GROVE, OR 97424-2800
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · Line of Credit BANNER BANK
Mar 13, 2019	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
May 26, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO/OR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	202150842
Last Transfer Date	May 23, 2024
Transfer Doc	0000014566
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Aug 3, 2021
Property Address	32620 HOWARD LOOP, COTTAGE GROVE, OR 97424-2800
Document Number	0000050842
Map Reference	MB 46 PG 21
Instrument Date	Aug 3, 2021
Instrument	2021-050842
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CASCADE TITLE COMPANY, CASCADE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MADERA STREET, EUGENE, OR 97402

Mortgage

Document Number	0000050621
Date	Aug 3, 2021
Instrument	2021-050621

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 20, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	32620 HOWARD LOOP, COTTAGE GROVE, OR 97424-2800
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009151
Date	Mar 13, 2019
Instrument	2019-009151

Lender

Name	BANNER BANK
Type	Bank
Address	COTTAGE GROVE, OR 97424

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 11, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	May 26, 2017
Property Address	32620 HOWARD LOOP, COTTAGE GROVE, OR 97424-2800
Document Number	0000025359
Instrument Date	May 24, 2017
Instrument	25359
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO/OR

Transaction

Amount	Amount Recorded
Tax	$292.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	32620 HOWARD LOOP COTTAGE GROVE OR 974242800, COTTAGE GROVE, OR 97424-2800

Tax Assessment & Valuation

Source: Lane County assessment roll, as of November 10, 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	$2,535.00 (+4.54%)	$222,121 (+6.09%)	$533,982 (+4.5%) Land $175,811 Building $358,171
2023	$2,425.00 (+4.53%)	$209,371 (+3%)	$511,001 (+2.28%) Land $158,004 Building $352,997
2022	$2,320.00	$203,273	$499,596 Land $158,004 Building $341,592

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500

May also be available: Hunter Communications, Spectrum, T-Mobile.

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