Clackamas County property record for 3920 Upper Dr, Lake Oswego, OR 97035
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 4,648 sqft · built 1906 |
| Lot Size | 1 acres (54,033 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,750,000 (Aug 2026) |
| Tax Bill | $20,495 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jul 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21E08CD01600 |
| Primary APN | 21E08CD01600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 4,648 sqft Living Area |
| Basement Area | 2,090 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Exterior Material | Clapboard |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 54,033 sqft (1 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 00244408 |
|---|---|
| Street Address | 3920 UPPER DR |
| City | LAKE OSWEGO |
| State | OR |
| Zip | 97035-4443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-7.5 |
| Legal Description | 339 LAKE VIEW VILLAS LT 12 |
| Legal Range | 1E |
| Legal Township | 2S |
| Legal Section | 08 |
| Legal Subdivision | LAKE VIEW VILLAS |
| Legal Lot Number | 12 |
| Jurisdiction | CLACKAMAS OR |
| Township / Civil Division | NORTHWEST CLACKAMAS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 20202 |
Source: Clackamas County records, as of October 13, 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 | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION |
| Jul 19, 2021 | Intrafamily Transfer, Transfer LAWYERS |
| Jun 5, 2019 | Deed of Trust, Mortgage · ARM UMPQUA BANK |
| Dec 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Apr 9, 2018 | Warranty Deed, Transfer · ARM ONPOINT COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2026 · Amount on Record |
| Deed Sale | Aug 26, 2026 · Amount on Record |
| Prior Sale | Dec 10, 2020 · Amount on Record |
| Deed Document Number | 202636853 |
| Prior Transfer Date | Jul 19, 2021 |
| Prior Transfer Doc | 0000068464 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLACKAMAS OR |
| Recording Date | Aug 26, 2026 |
| Property Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Document Number | 0000036853 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202636853 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| 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 | Tenants by the Entirety |
| Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Document Number | 0000036854, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 202636854 |
| Name | HOMEXPRESS MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLACKAMAS OR |
| Recording Date | Jul 19, 2021 |
| Property Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Document Number | 0000068464 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2021-068464 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | LAWYERS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 73 SAINT JAMES DR # A, A, SANTA ROSA, CA 95403-1419 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLACKAMAS OR |
| Property Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000030871 |
|---|---|
| Date | Jun 5, 2019 |
| Instrument | 2019-030871 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLACKAMAS OR |
| Recording Date | Dec 10, 2020 |
| Property Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Document Number | 0000104878 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 2020-104878 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2021 |
| Title Company | LAWYERS TITLE OF OREGON LLC |
| Amount | Amount Recorded |
|---|---|
| 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 | Tenants by the Entirety |
| Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Document Number | 0000104879 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 2020-104879 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLACKAMAS OR |
| Recording Date | Apr 9, 2018 |
| Property Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Document Number | 0000021708 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 2018-021708 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 3920 UPPER DR, LAKE OSWEGO, OR 97035-4443 |
| Document Number | 0000021709 |
|---|---|
| Date | Apr 9, 2018 |
| Instrument | 2018-021709 |
| Name | ONPOINT COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | May 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
Source: Clackamas County assessment roll, as of October 29, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Clackamas County |
| Municipality | Lake Oswego City |
| Unified School District | Lake Oswego School District 7J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $20,495.00 (+21.99%) | $1,067,252 (+22.27%) | $2,398,026 (+16.11%) Land $843,346 Building $1,554,680 |
| 2023 | $16,801.00 | $872,882 | $2,065,301 Land $809,701 Building $1,255,600 |
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.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · 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 | 7 units insured incl. 4 condo units |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.8% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE OSWEGO MUNICIPAL WATER serves 40,000 people · EPA ID OR4100457 |
|---|---|
| Water Source | Purchased surface water from LAKE OSWEGO - TIGARD WATER SUPPLY |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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