3397 Oak St, Florence, OR 97439 Property Records

Lane County property record for 3397 Oak St, Florence, OR 97439

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,245 sqft · built 2004
Lot Size	0.161 acres (6,995 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Apr 2026)
Tax Bill	$3,765 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-12-22-11-07800-000`

Property Details

APN / Parcel Number

Primary APN	`18-12-22-11-07800-000`
Alternative APNs	`1812221107800` `1326816`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,245 sqft Living Area
Gross Area	3,145 sqft
1st Floor Area	1,365 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Duplex Single
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,995 sqft (0.161 acres)
Lot Dimensions	106 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	900 sqft
Driveway	Driveway
Driveway Area	1,400 sqft
Parking Spaces	4 Parking Spaces
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	1326816
Street Address	3397 OAK ST
City	FLORENCE
State	OR
Zip	97439-9515
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	M-F
Legal Description	TL 07800
Legal Range	12
Legal Township	18
Legal Section	22
Legal Subdivision	CASA DEL MAR
Legal Lot Number	7800
Jurisdiction	LANE OR
Township / Civil Division	FLORENCE
Census Block Group	3
Census Block	3002
Census Tract	705

Owner

Source: Lane County records, as of July 2, 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 Record
Mailing Address	3397 OAK ST, FLORENCE, OR 97439-9515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Warranty Deed, Transfer · FHA Mortgage COLUMBIA BANK
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	Jun 10, 2004 · Amount on Record
Deed Document Number	202610870
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Apr 7, 2026
Property Address	3397 OAK ST, FLORENCE, OR 97439-9515
Document Number	0000010870
Instrument Date	Apr 4, 2026
Instrument	202610870
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	AMERITITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3397 OAK ST, FLORENCE, OR 97439-9515
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010871,
Date	Apr 7, 2026
Instrument	202610871

Lender

Name	COLUMBIA BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3397 OAK ST, FLORENCE, OR 97439-9515
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017285
Date	Mar 12, 2021
Instrument	2021-017285

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Lane County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Florence City
Unified School District	Siuslaw School District 97J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,765.00 (+5.91%)	$275,992 (+6.09%)	$479,405 (+5.44%) Land $78,471 Building $400,934
2023	$3,555.00 (+4.22%)	$260,150 (+3%)	$454,672 (+13.4%) Land $68,520 Building $386,152
2022	$3,411.00	$252,573	$400,953 Land $66,223 Building $334,730

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
Nearby Flood Policies	1 in force

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 95% of the US · lower than 98.9% of Oregon
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLORENCE serves 9,561 people · EPA ID OR4100299
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wind Wireless Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures