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347 Spruce Ct, Independence, OR 97351 Property Records

Polk County property record for 347 Spruce Ct, Independence, OR 97351

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,012 sqft · built 1975
Lot Size0.298 acres (12,981 sqft)
Owner2 Individual Names on Record
Last Sale$380,000 (Jul 2026)
Tax Bill$2,460 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
May 2022 Reverse Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN08428-CB-06600

Property Details

APN / Parcel Number

Primary APN08428-CB-06600
Alternative APN
  • 207456

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,012 sqft Living Area
Gross Area1,320 sqft
1st Floor Area1,012 sqft
Utility RoomUtility Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialPlywood
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area12,981 sqft (0.298 acres)
Garage Area308 sqft
Parking Spaces2 Parking Spaces
Patio Area140 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected
Water SourceCommercial

Location & Zoning

Account Number207456
Street Address347 SPRUCE CT
CityINDEPENDENCE
StateOR
Zip97351-1631
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal DescriptionHILL PARK ADDITION NO. 4 LOT 3 BLOCK 11
Legal Range4W
Legal Township08S
Legal Section28
Legal SubdivisionHILL PARK ADDITION NO. 4
Legal Block11
Legal Lot Number3
JurisdictionPOLK OR
Township / Civil DivisionMONMOUTH-INDEPENDENCE
Census Block Group4
Census Block4005
Census Tract20305

Owner

Source: Polk County records, as of October 19, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jul 23, 2026Warranty Deed, Transfer · FHA Mortgage
KIND LENDING LLC
May 9, 2022Deed of Trust, Mortgage · Reverse Mortgage
AMERICAN ADVISORS GROUP
Apr 9, 2026Warranty Deed, Transfer
AMERITITLE
Nov 25, 2020Deed of Trust, Mortgage · FHA Mortgage
AMERICAN ADVISORS
Nov 25, 2020Deed of Trust, Mortgage · FHA Mortgage
COMMISSIONER/HSNG & URBAN DEV
Dec 3, 2020Quit Claim Deed, Transfer
MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 23, 2026 · Amount on Record
Deed SaleJul 23, 2026 · Amount on Record
Prior SaleApr 9, 2026 · Amount on Record
Deed Document Number20265867
Prior Transfer DateNov 25, 2020
Prior Transfer Doc0000018227
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK OR
Recording DateJul 23, 2026
Property Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631
Document Number0000005867
Instrument DateJul 22, 2026
Instrument20265867
Transaction TypeTransfer
Record UpdatedSep 21, 2026
Title CompanyAMERITITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631

Mortgage

Document Number0000005868,
DateJul 23, 2026
Instrument20265868
Lender
NameKIND LENDING LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Max Rate-1%

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK OR
Property Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631
Transaction TypeMortgage
Record UpdatedApr 21, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

NameVerified Name
Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631

Mortgage

Document Number0000005650
DateMay 9, 2022
Instrument2022-005650
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
AddressDALLAS, OR 97338
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term960 Months
DueMay 21, 2102
Interest
Rate TypeAdjustable Rate

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK OR
Recording DateApr 9, 2026
Property Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631
Document Number0000002754
Instrument DateApr 7, 2026
Instrument20262754
Transaction TypeTransfer
Record UpdatedJun 30, 2026
Title CompanyAMERITITLE

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address22576 PONDEROSA LN SE, TURNER, OR 97392-9456

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK OR
Property Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631
Document Number0000018228
Instrument DateNov 25, 2020
Transaction TypeMortgage
Record UpdatedDec 14, 2020
Title CompanyMIS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address347 SPRUCE CT INDEPENDENCE OR 973511631, INDEPENDENCE, OR 97351-1631

Mortgage

Document Number0000018228
DateDec 3, 2020
Instrument18228
Lender
NameAMERICAN ADVISORS
AddressORANGE, CA 92868
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term984 Months
Interest
Rate TypeAdjustable Rate
Rate3.64%

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK OR
Property Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631
Document Number0000018229
Instrument DateNov 25, 2020
Transaction TypeMortgage
Record UpdatedDec 14, 2020
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address347 SPRUCE CT INDEPENDENCE OR 973511631, INDEPENDENCE, OR 97351-1631

Mortgage

Document Number0000018229
DateDec 3, 2020
Instrument18229
Lender
NameCOMMISSIONER/HSNG & URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term984 Months
Interest
Rate TypeAdjustable Rate
Rate3.64%

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK OR
Recording DateDec 3, 2020
Property Address347 SPRUCE CT, INDEPENDENCE, OR 97351-1631
Document Number0000018227
Instrument DateSep 25, 2020
Instrument18227
Transaction TypeTransfer
Record UpdatedDec 14, 2020
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address347 SPRUCE CT INDEPENDENCE OR 973511631, INDEPENDENCE, OR 97351-1631

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

TypeName
StateOregon
CountyPolk County
MunicipalityIndependence City
Unified School DistrictCentral School District 13J (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$138,840 (+3%) Land $50,060 Building $88,780$310,980 (+5.89%) Land $160,000 Building $150,980
2025$2,460.00 (+3.8%)$134,800 (+3%) Land $48,600 Building $86,200$293,670 (-5.74%) Land $145,000 Building $148,670
2024$2,370.00 (-2.51%)$130,880 (+3%) Land $47,180 Building $83,700$311,540 (-1.98%) Land $148,000 Building $163,540
2023$2,431.00 (+8.96%)$127,070 (+3%) Land $45,810 Building $81,260$317,840 (+13.86%) Land $149,300 Building $168,540
2022$2,231.00$123,370 Land $44,480 Building $78,890$279,160 Land $130,000 Building $149,160

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 October 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 80% of the US · lower than 93% of Oregon
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemINDEPENDENCE WATER SYSTEM
serves 10,300 people · EPA ID OR4100399
Water SourceGroundwater
Last State InspectionMay 2022
Lead3 ppb (2021–2023)
action level 15 ppb
Copper1.45 mg/L (2021–2023)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Willamette Valley Fiber
Fiber		2,500 / 2,500
Spectrum
Cable		1,000 / 1,000
Alyrica
Fixed Wireless		400 / 50
Verizon
Fixed Wireless		300 / 20
Hunter Communications
Fixed Wireless		200 / 20
CenturyLink
DSL		140 / 20

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