362 S 7th St, Independence, OR 97351 Property Records

Polk County property record for 362 S 7th St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,252 sqft · built 1937
Lot Size	0.158 acres (6,873 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (May 2021)
Tax Bill	$2,247 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08428-BB-07100`

Property Details

APN / Parcel Number

Primary APN	`08428-BB-07100`
Alternative APN	`204554`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
1st Floor Area	1,252 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,873 sqft (0.158 acres)
Patio Area	132 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	204554
Street Address	362 S 7TH ST
City	INDEPENDENCE
State	OR
Zip	97351-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ONE STORY
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Block	3
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3038
Census Tract	20305

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

362 S 7th St is owned and occupied by an individual who bought it in May 2021.

Source: Polk County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	362 S 7TH ST, INDEPENDENCE, OR 97351-1402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
May 27, 2021	Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Mar 31, 2017	Warranty Deed, Transfer · Conventional Mortgage DIRECTORS MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2021 · Amount on File
Deed Sale	May 27, 2021 · Amount on File
Prior Sale	Mar 31, 2017 · Amount on File
Deed Document Number	20218983
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Recording Date	Aug 11, 2026
Property Address	362 S 7TH ST, INDEPENDENCE, OR 97351-1402
Document Number	0000006401
Instrument Date	Jul 23, 2026
Instrument	20266401
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 S 7TH ST, INDEPENDENCE, OR 97351-1402

Mortgage

Document Number	0000006401,
Date	Aug 11, 2026
Instrument	20266401

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	298 Months
Due	Jun 1, 2051

Interest

Rate	6.49%
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	May 27, 2021
Property Address	362 S 7TH ST, INDEPENDENCE, OR 97351-1402
Document Number	0000008983
Instrument Date	Apr 27, 2021
Instrument	2021-008983
Transaction Type	Transfer
Record Updated	Jun 10, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount on Record
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	362 S 7TH ST, INDEPENDENCE, OR 97351-1402

Mortgage

Document Number	0000008984
Date	May 27, 2021
Instrument	2021-008984

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	362 S 7TH ST, INDEPENDENCE, OR 97351-1402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013234
Date	Sep 14, 2020
Instrument	2020-013234

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Mar 31, 2017
Property Address	362 S 7TH ST, INDEPENDENCE, OR 97351-1402
Document Number	0000003815
Instrument Date	Jan 18, 2017
Instrument	2017-003815
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FATCO

Transaction

Amount	Amount on Record
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	362 S 7TH ST, INDEPENDENCE, OR 97351-1402

Mortgage

Document Number	0000003816
Date	Mar 31, 2017
Instrument	2017-003816

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 362 S 7th St was $2,247, up 3.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$126,810 (+3%) Land $35,260 Building $91,550	$302,930 (-3.74%) Land $147,000 Building $155,930
2025	$2,247.00 (+3.79%)	$123,120 (+2.99%) Land $34,230 Building $88,890	$314,690 (+4.59%) Land $146,300 Building $168,390
2024	$2,165.00 (-2.48%)	$119,540 (+3%) Land $33,240 Building $86,300	$300,880 (-1.39%) Land $134,000 Building $166,880
2023	$2,220.00 (+8.93%)	$116,060 (+3%) Land $32,270 Building $83,790	$305,110 (+9.77%) Land $135,200 Building $169,910
2022	$2,038.00	$112,680 Land $31,330 Building $81,350	$277,950 Land $114,500 Building $163,450

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

FEMA maps place 362 S 7th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 362 S 7th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 98.2% 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	INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399
Water Source	Groundwater
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) action level 15 ppb
Copper	1.45 mg/L (2021–2023) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 408 locations within half a mile, as of December 31, 2025

Provider	Max 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

May also be available: CenturyLink, Hunter Communications.

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