401 Garfield St, Moro, OR 97039 Property Records

Sherman County property record for 401 Garfield St, Moro, OR 97039

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 2011
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jul 2020)
Tax Bill	$2,047 (2025)
Deeds & Mortgages	Oct 2023 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01S1718DB 301`

Property Details

APN / Parcel Number

Primary APN	`01S1718DB 301`
Alternative APN	`1522`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	1,664 sqft Living Area

Exterior

Year Built	Built 2011
Lot Area	9,583 sqft (0.219 acres)

Location & Zoning

Account Number	1522
Street Address	401 GARFIELD ST
City	MORO
State	OR
Zip	97039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWN/RNG/MER:SEC 18 TWN 01 RNG 17
Jurisdiction	SHERMAN OR
Township / Civil Division	MORO
Census Block Group	1
Census Block	1029
Census Tract	950100

Owner

401 Garfield St is owned by an individual who bought it in July 2020.

Source: Sherman County records, as of December 1, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 22670, ROCHESTER, NY 14692-2670
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
Oct 25, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 24, 2020	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on File
Deed Sale	Jul 24, 2020 · Amount on File
Deed Document Number	2020-0224
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERMAN OR
Property Address	401 GARFIELD ST, MORO, OR 97039-3071
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GARFIELD ST, MORO, OR 97039

Mortgage

Document Number	0020230323
Date	Oct 25, 2023
Instrument	2023-0323

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	May 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERMAN OR
Property Address	401 GARFIELD ST, MORO, OR 97039-3071
Transaction Type	Mortgage
Record Updated	May 25, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GARFIELD ST, MORO, OR 97039-3071

Mortgage

Document Number	20210137
Date	May 12, 2021
Instrument	2021-0137

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERMAN OR
Recording Date	Jul 24, 2020
Property Address	401 GARFIELD ST, MORO, OR 97039-3071
Document Number	0020200224
Instrument Date	Jul 14, 2020
Instrument	2020-0224
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERITITLE

Transaction

Amount	Amount on Record
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	PO BOX 197, RUFUS, OR 97050-0197

Mortgage

Document Number	0020200225
Date	Jul 24, 2020
Instrument	2020-0225

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 401 Garfield St was $2,047.

Source: Sherman County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Sherman County
Municipality	Moro City
Unified School District	Sherman School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,047.00	$100,280	$255,350 Land $26,630 Building $228,720
2023	$1,929.00	$94,530	$253,180 Land $24,460 Building $228,720

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.

Flood

FEMA maps place 401 Garfield St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 21, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 401 Garfield St is high, ranking above 87% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 87% of the US · above 68% of Oregon
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF MORO serves 350 people · EPA ID OR4100542
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	40 / 3
Azure Standard Fixed Wireless	25 / 10
AT&T Fixed Wireless	25 / 3

May also be available: Blue Mountain Net, Mosier WiNet.

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