Lane County property record for 4 Waterford Downs, Florence, OR 97439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,534 sqft · built 2001 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $466,000 (Dec 2023) |
| Tax Bill | $3,893 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-12-23-11-03200-000 |
| Primary APN | 18-12-23-11-03200-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,534 sqft Living Area |
| Gross Area | 1,956 sqft |
| 1st Floor Area | 1,534 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Type | Attached |
| Garage Area | 422 sqft |
| Driveway | Driveway |
| Driveway Area | 378 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Account Number | 1654795 |
|---|---|
| Street Address | 4 WATERFORD DOWNS |
| City | FLORENCE |
| State | OR |
| Zip | 97439-8222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | SUBDIVISION PLAT COTTAGES AT OCEAN DUNES LOT 4 TL 03200 |
| Legal Range | 12 |
| Legal Township | 18 |
| Legal Section | 23 |
| Legal Subdivision | COTTAGES AT OCEAN DUNES |
| Legal Lot Number | 4 |
| Jurisdiction | LANE OR |
| Township / Civil Division | FLORENCE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 707 |
4 Waterford Downs is owned and occupied by an individual who bought it in December 2023.
Source: Lane County records, as of May 21, 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 | Individual Name on File |
|---|---|
| Mailing Address | 4 WATERFORD DOWNS, FLORENCE, OR 97439-8222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2024 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 1, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2023 · Amount on File |
| Deed Sale | Dec 1, 2023 · Amount on File |
| Prior Sale | Feb 11, 2002 · Amount on File |
| Deed Document Number | 202334449 |
| Prior Transfer Date | Aug 24, 2005 |
| Prior Transfer Doc | 0000069255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANE OR |
| Property Address | 4 WATERFORD DOWNS, FLORENCE, OR 97439-8222 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4 WATERFORD DOWNS, FLORENCE, OR 97439-8222 |
| Document Number | 0000030636 |
|---|---|
| Date | Oct 21, 2024 |
| Instrument | 2024-030636 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | LANE OR |
| Recording Date | Dec 1, 2023 |
| Property Address | 4 WATERFORD DOWNS, FLORENCE, OR 97439-8222 |
| Document Number | 0000034449 |
| Map Reference | DOC 2000027581 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 2023-034449 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| 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 |
|---|---|
| Address | 4 WATERFORD DOWNS, FLORENCE, OR 97439-8222 |
| Document Number | 0000034450 |
|---|---|
| Date | Dec 1, 2023 |
| Instrument | 2023-034450 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
The 2025 property tax bill for 4 Waterford Downs was $3,893.
Source: Lane County assessment roll, as of November 10, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Lane County |
| Municipality | Florence City |
| Unified School District | Siuslaw School District 97J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,893.00 | $285,323 | $501,632 Land $103,395 Building $398,237 |
| 2023 | $3,675.00 (+4.2%) | $268,945 (+3%) | $522,245 (+17.61%) Land $89,922 Building $432,323 |
| 2022 | $3,527.00 | $261,112 | $444,048 Land $82,646 Building $361,402 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Waterford Downs in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2006 |
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 4 Waterford Downs is low, with 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FLORENCE serves 9,561 people · EPA ID OR4100299 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2022 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Sep 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Wind Wireless.
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