401 Front St, Gardiner, OR 97441 Property Records

Douglas County property record for 401 Front St, Gardiner, OR 97441 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,466 sqft · built 1880
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$326,500 (Oct 2020)
Tax Bill	$1,798 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-12W-22DC-04100`

Property Details

APN / Parcel Number

Primary APN	`21-12W-22DC-04100`
Alternative APN	`R64646`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,466 sqft Living Area
1st Floor Area	1,257 sqft
2nd Floor Area	1,209 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1935
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)

Exterior Amenities

Deck Area	122 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R64646
Street Address	401 FRONT ST
City	GARDINER
State	OR
Zip	97441-0050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARDINER, BLOCK 22, LOT PT 2, ACRES 0.18
Legal Range	12W
Legal Township	21S
Legal Section	22
Legal Quarter	SE
Quarter-Quarter Section	SW
Legal Subdivision	GARDINER
Legal Block	22
Legal Lot Number	2
Jurisdiction	DOUGLAS OR
Township / Civil Division	REEDSPORT
Census Block Group	1
Census Block	1206
Census Tract	10000

Owner

Source: Douglas County records · APN 21-12W-22DC-04100

Assessment roll updated September 30, 2025 · Last verified February 2026

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 344, GARDINER, OR 97441-0344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · VA Mortgage EMORTGAGE FUNDING LLC
Jan 12, 2023	Deed of Trust, Mortgage · VA Mortgage EMORTGAGE FUNDING LLC
Oct 28, 2020	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Prior Sale	Sep 30, 2019 · Amount on Record
Deed Document Number	2020-018741
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS OR
Property Address	401 FRONT ST, GARDINER, OR 97441-0050
Transaction Type	Mortgage
Record Updated	Oct 06, 2023
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 FRONT ST, GARDINER, OR 97441-0050

Mortgage

Document Number	0000010287
Date	Sep 21, 2023
Instrument	2023-010287

Lender

Name	EMORTGAGE FUNDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS OR
Property Address	401 FRONT ST, GARDINER, OR 97441-0050
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000372
Date	Jan 12, 2023
Instrument	2023-000372

Lender

Name	EMORTGAGE FUNDING LLC
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS OR
Recording Date	Oct 28, 2020
Property Address	401 FRONT ST, GARDINER, OR 97441-0050
Document Number	0000018741
Instrument Date	Oct 27, 2020
Instrument	2020-018741
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	401 FRONT ST, GARDINER, OR 97441-0050

Mortgage

Document Number	0000018742
Date	Oct 28, 2020
Instrument	2020-018742

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS OR
Recording Date	Sep 30, 2019
Property Address	401 FRONT ST, GARDINER, OR 97441-0050
Document Number	0000015219
Instrument Date	Sep 23, 2019
Instrument	2019-015219
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	132 HUNTER HILL LN, ROSEBURG, OR 97471-8940

Mortgage

Document Number	0000015220
Date	Sep 30, 2019
Instrument	2019-015220

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

Tax Assessment & Valuation

Source: Douglas County records · Assessment roll updated September 30, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Douglas County
Unified School District	Reedsport School District 105 (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,798.00 (+2.92%) Veteran's exemption	$111,296 (+3%)	$368,879 (+3.58%) Land $113,500 Building $255,379
2024	$1,747.00 (+2.83%) Veteran's exemption	$108,054 (+3%)	$356,145 (+3.5%) Land $106,500 Building $249,645
2023	$1,699.00 (+3.03%) Veteran's exemption	$104,908 (+6.09%)	$344,088 (+93.59%) Land $106,000 Building $238,088
2022	$1,649.00 Veteran's exemption	$98,882	$177,738 Land $56,500 Building $121,238

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Douglas County (41019C), updated March 23, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 410190100001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	17 (1996–2012)
Claims Outside the SFHA	6 of 17
Most Recent Claim	Jan 2012, river or lake flooding, Severe Winter Storm, Flooding, Landslides, And Mudslides
Claims By Storm	Severe Storms, Flooding, Landslides, And Mudslides, Jan 2006 · 6 claims Flooding, Land, Mud Slides, High Winds,severe Storms, Nov 1996 · 7 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 6% of Oregon
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Gardiner Historic District listed 1994 · 33 contributing resources · NRIS 93000003

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 32 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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