401 S 2nd St, Talent, OR 97540 Property Records

Jackson County property record for 401 S 2nd St, Talent, OR 97540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,004 sqft · built 1989
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$12,223 (Jan 2002)
Tax Bill	$2,646 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`381W26BA8200`

Property Details

APN / Parcel Number

Primary APN	`381W26BA8200`
Alternative APNs	`381W26BA08200` `10766209`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,004 sqft Living Area
Gross Area	1,316 sqft
1st Floor Area	1,004 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2009
Exterior Material	Concrete
Roof Material	Other
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Patio Area	515 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 S 2ND ST
City	TALENT
State	OR
Zip	97540-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Range	01W
Legal Township	38S
Legal Section	26
Legal Quarter	2
Legal Subdivision	TAYLOR SUBDIVISION UNIT #2
Legal Block	1
Legal Lot Number	1
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1018
Census Tract	1702

Owner

401 S 2nd St is owned and occupied by an individual who acquired it in November 2007.

Source: Jackson County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	401 S 2ND ST, TALENT, OR 97540-9751
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2002 · Amount on File
Deed Sale	Jan 4, 2002 · Amount on File
Deed Document Number	2002704
Last Transfer Date	Nov 9, 2007
Transfer Doc	0000051644
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	401 S 2ND ST, TALENT, OR 97540-9751
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S 2ND ST, TALENT, OR 97540-9751

Mortgage

Document Number	0000013038
Date	Apr 20, 2022
Instrument	2022-013038

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	401 S 2ND ST, TALENT, OR 97540-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020814
Date	Jun 23, 2017
Instrument	2017-020814

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 401 S 2nd St was $2,646, up 2.4% from the year before.

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Talent City
Unified School District	Phoenix-Talent School District 4 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$170,210 (+3%)	$358,390 (-4.32%) Land $182,520 Building $175,870
2025	$2,646.00 (+2.44%)	$165,260 (+3%) Land $68,220 Building $97,040	$374,580 (+9.93%) Land $183,000 Building $191,580
2024	$2,583.00 (+3.24%)	$160,450 (+3%) Land $66,230 Building $94,220	$340,730 (+15.09%) Land $174,600 Building $166,130
2023	$2,502.00 (+2.71%)	$155,780 (+3%) Land $64,290 Building $91,490	$296,050 (+0.01%) Land $130,350 Building $165,700
2022	$2,436.00	$151,250 Land $62,420 Building $88,830	$296,030 Land $130,500 Building $165,530

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

Flood

FEMA maps place 401 S 2nd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · 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	3 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 S 2nd St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Oregon
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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	CITY OF TALENT serves 6,293 people · EPA ID OR4100857
Water Source	Purchased surface water from MEDFORD WATER COMMISSION
Last State Inspection	Nov 2021
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30

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

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