Umatilla County property record for 390 NW Elder St, Pilot Rock, OR 97868
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,472 sqft · built 2004 |
| Lot Size | 0.272 acres (11,849 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Sep 2023) |
| Tax Bill | $3,955 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Mar 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1S3217AA01100 |
| Primary APN | 1S3217AA01100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 3,472 sqft Living Area |
| Gross Area | 4,048 sqft |
| 1st Floor Area | 1,948 sqft |
| Basement Area | 1,524 sqft |
| Finished Basement | 1,524 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,849 sqft (0.272 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 88 sqft |
|---|---|
| Patio Area | 646 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Wood Furnace |
|---|---|
| Heating Fuel | Wood |
| Account Number | 104756 |
|---|---|
| Street Address | 390 NW ELDER ST |
| City | PILOT ROCK |
| State | OR |
| Zip | 97868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | JIMS REPLAT LOT: 11 |
| Legal Range | 32 |
| Legal Township | 01S |
| Legal Section | 17 |
| Legal Subdivision | JIMS REPLAT |
| Legal Block | 11 |
| Legal Lot Number | 11 |
| Jurisdiction | UMATILLA OR |
| Township / Civil Division | PILOT ROCK |
| Census Block Group | 2 |
| Census Block | 2482 |
| Census Tract | 951400 |
390 NW Elder St is owned and occupied by two individuals who bought it in September 2023.
Source: Umatilla County records, as of May 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 390 NW ELDER ST, PILOT ROCK, OR 97868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Mar 30, 2020 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 31, 2020 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 29, 2023 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Jan 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Mar 12, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2023 · Amount on File |
| Deed Sale | Sep 29, 2023 · Amount on File |
| Prior Sale | Jan 7, 2021 · Amount on File |
| Deed Document Number | 20236793 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UMATILLA OR |
| Property Address | 390 NW ELDER ST, PILOT ROCK, OR 97868-6868 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 20206990123 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 2020-6990123 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Apr 23, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UMATILLA OR |
| Property Address | 390 NW ELDER ST, PILOT ROCK, OR 97868-6868 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 20206990174 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 2020-6990174 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Apr 23, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UMATILLA OR |
| Recording Date | Sep 29, 2023 |
| Property Address | 390 NW ELDER ST, PILOT ROCK, OR 97868-6868 |
| Document Number | 20230006793 |
| Instrument Date | Sep 27, 2023 |
| Instrument | 2023-0006793 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2024 |
| Title Company | AMERITITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 390 NW ELDER ST, PILOT ROCK, OR 97868-6868 |
| Document Number | 20230006794 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2023-0006794 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UMATILLA OR |
| Recording Date | Jan 7, 2021 |
| Property Address | 390 NW ELDER ST, PILOT ROCK, OR 97868-6868 |
| Document Number | 20217130587 |
| Instrument Date | Jan 5, 2021 |
| Instrument | 2021-7130587 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2024 |
| Title Company | AMERITITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | PO BOX 700, PILOT ROCK, OR 97868-0700 |
| Document Number | 20217130588 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 2021-7130588 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UMATILLA OR |
| Recording Date | Mar 12, 2018 |
| Property Address | 390 NW ELDER ST, PILOT ROCK, OR 97868-6868 |
| Document Number | 20186690435 |
| Instrument Date | Mar 8, 2018 |
| Instrument | 2018-6690435 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2024 |
| Title Company | AMERITITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 822 N MAIN ST, PENDLETON, OR 97801-1475 |
| Document Number | 20186690436 |
|---|---|
| Date | Mar 12, 2018 |
| Instrument | 2018-6690436 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 390 NW Elder St was $3,955.
Source: Umatilla County assessment roll, as of March 11, 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Umatilla County |
| Municipality | Pilot Rock City |
| Unified School District | Pilot Rock School District 2 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,955.00 | $231,870 Land $52,730 Building $179,140 | $627,260 Land $39,600 Building $587,660 |
| 2023 | $3,807.00 (+2.15%) | $218,570 (+3%) Land $49,700 Building $168,870 | $588,560 (+29.68%) Land $27,000 Building $561,560 |
| 2022 | $3,727.00 | $212,210 | $453,860 Land $24,700 Building $429,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 390 NW Elder St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
Source: FEMA National Flood Hazard Layer, effective June 2, 2016 · 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 | 9 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | May 2020 · other causes |
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 risk around 390 NW Elder St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 76% of Oregon |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PILOT ROCK serves 1,326 people · EPA ID OR4100626 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wtechlink Fiber · Fixed Wireless | 10,000 / 10,000 |
| Spectrum Cable | 1,000 / 1,000 |
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