3972 N Clarey St, Eugene, OR 97402 Property Records

Lane County property record for 3972 N Clarey St, Eugene, OR 97402

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1979
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,387 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-04-15-32-04100-000`

Property Details

APN / Parcel Number

Primary APN	`17-04-15-32-04100-000`
Alternative APN	`1226370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Finished Area
1st Floor Area	1,300 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1983
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	520 sqft
Driveway	Driveway
Driveway Area	800 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	1226370
Street Address	3972 N CLAREY ST
City	EUGENE
State	OR
Zip	97402-8709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-LOW-DENSITY RES
Legal Description	SUBD:CLAREY PLAT SEC/TWN/RNG/MER:SEC 15 TWN 17 RNG 04
Legal Range	04W
Legal Township	17S
Legal Section	15
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	CLAREY PLAT
Legal Lot Number	4100
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	4
Census Block	4021
Census Tract	2600

Owner

3972 N Clarey St is owned and occupied by two individuals who acquired it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3972 N CLAREY ST, EUGENE, OR 97402-8709
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 22, 2021	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MTG
May 1, 2017	Deed of Trust, Mortgage · VA Mortgage RESOLUTE BANK
Oct 4, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 3, 2019	Deed of Trust, Mortgage · VA Mortgage RESOLUTE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2019
Deed Sale	Aug 2, 2019
Prior Sale	Nov 20, 2001 · Amount on File
Deed Document Number	2021-037597
Prior Transfer Date	Oct 18, 2002
Prior Transfer Doc	2002-080912
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3972 N CLAREY ST, EUGENE, OR 97402-8709
Document Number	0000037598
Instrument Date	May 22, 2021
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	CASCADE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 N CLAREY ST EUGENE OR 974028709, EUGENE, OR 97402-8709

Mortgage

Document Number	0000037598
Date	Jun 7, 2021
Instrument	37598

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55401

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3972 N CLAREY ST, EUGENE, OR 97402-8709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021044
Date	May 1, 2017
Instrument	2017-021044

Lender

Name	RESOLUTE BANK
Type	Bank
Address	MAUMEE, OH 43537

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	3.25%
Index	1-Year CMT
Margin	2
Max Rate	7.25%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3972 N CLAREY ST, EUGENE, OR 97402-8709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049080
Date	Oct 4, 2017
Instrument	2017-049080

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 13, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3972 N CLAREY ST, EUGENE, OR 97402-8709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000226
Date	Jan 3, 2019
Instrument	2019-000226

Lender

Name	RESOLUTE BANK
Type	Bank
Address	PEMBERTON, OH 45353

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3972 N Clarey St was $3,387.

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	Bethel School District 52 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,387.00	$194,769	$379,780 Land $71,280 Building $308,500
2023	$3,205.00 (+4.26%)	$183,590 (+3%)	$371,859 (+3.35%) Land $61,218 Building $310,641
2022	$3,074.00	$178,243	$359,789 Land $71,280 Building $288,509

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3972 N Clarey St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 3972 N Clarey St is low, with less than a 0.01% annual chance of wildfire.

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.

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 392 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

May also be available: CenturyLink, Hunter Communications, T-Mobile.

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