385 Cosmo St, Lafayette, OR 97127 Property Records

Yamhill County property record for 385 Cosmo St, Lafayette, OR 97127

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 2003
Lot Size	0.179 acres (7,784 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,415 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R4401DA 00717`

Property Details

APN / Parcel Number

Primary APN	`R4401DA 00717`
Alternative APNs	`001520507` `520507`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	1,152 sqft
Flooring	Carpet

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,784 sqft (0.179 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	385 COSMO ST
City	LAFAYETTE
State	OR
Zip	97127-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TOWNSHIP 4S RANGE 4W SECTION 01 QTR D QQTR A TAXLOT 00717 LOT 17 SUBDIVISIONNAME LAFAYETTE ESTATES
Legal Range	04W
Legal Township	04S
Legal Section	01
Legal Subdivision	LAFAYETTE ESTATES
Legal Lot Number	17
Jurisdiction	YAMHILL OR
Township / Civil Division	NEWBERG
Census Block Group	4
Census Block	4000
Census Tract	30304

Owner

Source: Yamhill County records, as of August 18, 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	385 COSMO ST, LAFAYETTE, OR 97127-6102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Nov 20, 2019	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Mar 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YAMHILL OR
Property Address	385 COSMO ST, LAFAYETTE, OR 97127-6102
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 COSMO ST, LAFAYETTE, OR 97127-6102

Mortgage

Document Number	0000004695
Date	May 31, 2023
Instrument	202304695

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YAMHILL OR
Property Address	385 COSMO ST, LAFAYETTE, OR 97127-6102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016900
Date	Nov 20, 2019
Instrument	201916900

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YAMHILL OR
Property Address	385 COSMO ST, LAFAYETTE, OR 97127-6102
Document Number	0000005518
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	385 COSMO ST LAFAYETTE OR 971276102, LAFAYETTE, OR 97127-6102

Mortgage

Document Number	0000005518
Date	Apr 4, 2017
Instrument	5518

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 3, 2032

Tax Assessment & Valuation

Source: Yamhill County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Yamhill County
Municipality	Lafayette City
Unified School District	McMinnville School District 40 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,415.00 (+2.68%)	$164,845 (+3%)	$353,606 (-2.65%) Land $180,894 Building $172,712
2024	$2,352.00 (+2.75%)	$160,044 (+3%)	$363,214 (+0.37%) Land $175,950 Building $187,264
2023	$2,289.00 (+2.01%)	$155,383 (+3%)	$361,882 (+4.95%) Land $173,678 Building $188,204
2022	$2,244.00	$150,857	$344,804 Land $168,238 Building $176,566

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 January 23, 2024

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

Values are read at the parcel center point; 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	Direct burnable vegetation

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 LAFAYETTE serves 4,423 people · EPA ID OR4100452
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2021
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hunter Communications.

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