3990 Terrace Trl, Eugene, OR 97405 Property Records

Lane County property record for 3990 Terrace Trl, Eugene, OR 97405

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,658 sqft · built 2006
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Company Names on Record
Last Sale	$1,100,000 (Jan 2024)
Tax Bill	$14,906 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-04-10-12-02000-000`

Property Details

APN / Parcel Number

Primary APN	`18-04-10-12-02000-000`
Alternative APNs	`1804101202000` `1575156`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,658 sqft Living Area
Gross Area	4,846 sqft
1st Floor Area	2,910 sqft
Basement Area	748 sqft
Finished Basement	748 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	1,188 sqft
Driveway	Driveway
Driveway Area	1,000 sqft
Parking Spaces	4 Parking Spaces
Patio Area	561 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	1575156
Street Address	3990 TERRACE TRL
City	EUGENE
State	OR
Zip	97405-1589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SUBDIVISION PLAT SUMMIT TERRACE PUD LOT 35 TL 02000
Legal Range	04
Legal Township	18
Legal Section	10
Legal Subdivision	SUMMIT TERRACE PUD
Legal Lot Number	35
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	3
Census Block	3002
Census Tract	4405

Owner

Source: Lane County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3990 TERRACE TRL, EUGENE, OR 97405-1589
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 9, 2020	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Aug 3, 2018	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	Aug 3, 2018 · Amount on Record
Deed Document Number	2024779
Prior Transfer Date	May 17, 2011
Prior Transfer Doc	0000023322
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jan 10, 2024
Property Address	3990 TERRACE TRL, EUGENE, OR 97405-1589
Document Number	0000000779
Map Reference	FILE 75 SL 429-434
Instrument Date	Dec 28, 2023
Instrument	2024-000779
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CASCADE 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	Family Trust
Address	3990 TERRACE TRL, EUGENE, OR 97405-1589

Mortgage

Document Number	0000000780
Date	Jan 10, 2024
Instrument	2024-000780

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year CMT
Max Rate	11.2%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	3990 TERRACE TRL, EUGENE, OR 97405-1589
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029031
Date	Jun 9, 2020
Instrument	2020-029031

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANE OR
Recording Date	Aug 3, 2018
Property Address	3990 TERRACE TRL, EUGENE, OR 97405-1589
Document Number	0000036235
Instrument Date	Aug 2, 2018
Instrument	36235
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3990 TERRACE TRL EUGENE OR 974051589, EUGENE, OR 97405-1589

Tax Assessment & Valuation

Source: Lane County assessment roll, as of November 10, 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	$14,906.00 (+1.26%)	$765,081 (+3%)	$1,107,831 (+3.26%) Land $164,675 Building $943,156
2024	$14,721.00 (+2.61%)	$742,798 (+3%)	$1,072,848 (+6.38%) Land $171,396 Building $901,452
2023	$14,346.00 (+5.77%)	$721,164 (+3%)	$1,008,503 (+8.87%) Land $159,205 Building $849,298
2022	$13,563.00	$700,160	$926,318 Land $134,927 Building $791,391

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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