3939 Terrace Trl, Eugene, OR 97405 Property Records

Lane County property record for 3939 Terrace Trl, Eugene, OR 97405

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,198 sqft · built 1999
Lot Size	0.619 acres (27,007 sqft)
Owner	Individual Name on Record
Last Sale	$760,000 (Apr 2021)
Tax Bill	$11,967 (2025)
Deeds & Mortgages	May 2024 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-04-10-12-02200-000`

Property Details

APN / Parcel Number

Primary APN	`18-04-10-12-02200-000`
Alternative APN	`1575172`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,198 sqft Finished Area
1st Floor Area	1,821 sqft
2nd Floor Area	1,377 sqft

Exterior

Year Built	Built 1999
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.619 acres)
Garage Type	Detached
Garage Area	576 sqft
Driveway	Driveway
Driveway Area	1,296 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,144 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	1575172
Street Address	3939 TERRACE TRL
City	EUGENE
State	OR
Zip	97405-1589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-LOW-DENSITY RES
Legal Description	LOT:17 SUBD:SUMMIT TERRACE PUD SEC/TWN/RNG/MER:SEC 10 TWN 18 RNG 04
Legal Range	04W
Legal Township	18S
Legal Section	10
Legal Quarter	NE
Quarter-Quarter Section	NW
Legal Subdivision	SUMMIT TERRACE PUD
Legal Lot Number	17
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	3
Census Block	3009
Census Tract	4405

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3939 TERRACE TRL, EUGENE, OR 97405-1589
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2024	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2021 · Amount on Record
Deed Sale	Apr 9, 2021 · Amount on Record
Prior Sale	Jun 30, 2015 · Amount on Record
Deed Document Number	2021-024517
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3939 TERRACE TRL, EUGENE, OR 97405-1589
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3939 TERRACE TRL, EUGENE, OR 97405-1589

Mortgage

Document Number	0000012380
Date	May 7, 2024
Instrument	2024-012380

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 29, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Apr 9, 2021
Property Address	3939 TERRACE TRL, EUGENE, OR 97405-1589
Document Number	0000024517
Map Reference	FILE 75 SL 429-434
Instrument Date	Apr 7, 2021
Instrument	2021-024517
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	CASCADE TITLE CO

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	3939 TERRACE TRL, EUGENE, OR 97405-1589

Mortgage

Document Number	0000024518
Date	Apr 9, 2021
Instrument	2021-024518

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$11,967.00 (+1.92%)	$642,623 (+6.09%)	$780,403 (+0.33%) Land $184,353 Building $596,050
2023	$11,742.00 (+4.32%)	$605,734 (+3%)	$777,830 (+3.58%) Land $178,437 Building $599,393
2022	$11,256.00	$588,092	$750,935 Land $152,037 Building $598,898

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

FEMA Flood Zone	Zone X minimal risk
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	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 115 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

May also be available: Verizon.

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