3831 Mirror Pond Way, Eugene, OR 97408 Property Records

Lane County property record for 3831 Mirror Pond Way, Eugene, OR 97408

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,490 sqft · built 1996
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,751 (May 2017)
Tax Bill	$12,215 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-08-23-02023-000`

Property Details

APN / Parcel Number

Primary APN	`17-03-08-23-02023-000`
Alternative APN	`1541471`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,490 sqft Finished Area
1st Floor Area	2,074 sqft
2nd Floor Area	1,416 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Attached
Garage Area	792 sqft
Driveway	Driveway
Driveway Area	610 sqft
Parking Spaces	3 Parking Spaces
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1541471
Street Address	3831 MIRROR POND WAY
City	EUGENE
State	OR
Zip	97408-5952
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-LOW-DENSITY RES
Legal Description	SUBD:RIVER POINT 2ND ADDITION SEC/TWN/RNG/MER:SEC 08 TWN 17 RNG 03
Legal Range	03W
Legal Township	17S
Legal Section	08
Legal Quarter	NW
Quarter-Quarter Section	SW
Legal Subdivision	RIVER POINT 2ND ADDITION
Legal Lot Number	2023
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	1
Census Block	1025
Census Tract	2201

Owner

Source: Lane County records, as of October 27, 2025

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	3831 MIRROR POND WAY, EUGENE, OR 97408-5952
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 12, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 10, 2020	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
May 23, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO/OR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2017 · Amount on Record
Deed Sale	May 23, 2017 · Amount on Record
Deed Document Number	2017-024696
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3831 MIRROR POND WAY, EUGENE, OR 97408-5952
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 MIRROR POND WAY, EUGENE, OR 97408-5952

Mortgage

Document Number	0000040089
Date	Dec 17, 2025
Instrument	2025-040089

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3831 MIRROR POND WAY, EUGENE, OR 97408-5952
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011179
Date	Feb 19, 2021
Instrument	2021-011179

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3831 MIRROR POND WAY, EUGENE, OR 97408-5952
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065885
Date	Nov 12, 2020
Instrument	2020-065885

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3831 MIRROR POND WAY, EUGENE, OR 97408-5952
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065853
Date	Nov 10, 2020
Instrument	2020-065853

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2040

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	May 23, 2017
Property Address	3831 MIRROR POND WAY, EUGENE, OR 97408-5952
Document Number	0000024696
Instrument Date	May 19, 2017
Instrument	24696
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO/OR

Transaction

Amount	Amount Recorded
Tax	$550.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3831 MIRROR POND WAY EUGENE OR 974085952, EUGENE, OR 97408-5952

Tax Assessment & Valuation

Source: Lane County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Eugene City
Unified School District	Eugene School District 4J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,215.00 (+3.9%)	$626,947 (+6.09%)	$959,570 (-0.15%) Land $401,209 Building $558,361
2023	$11,756.00 (+4.03%)	$590,959 (+3%)	$961,022 (+6.56%) Land $281,269 Building $679,753
2022	$11,301.00	$573,747	$901,836 Land $208,068 Building $693,768

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 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 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EUGENE WATER & ELECTRIC BOARD serves 176,000 people · EPA ID OR4100287
Water Source	Surface water
Last State Inspection	Jul 2021
Lead	5 ppb (2022–2024) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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