402 Spruce Ave, Independence, OR 97351 Property Records

Polk County property record for 402 Spruce Ave, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1975
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Dec 2021)
Tax Bill	$2,431 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08428-CB-06200`

Property Details

APN / Parcel Number

Primary APN	`08428-CB-06200`
Alternative APN	`207414`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	1,302 sqft
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Garage Area	294 sqft
Parking Spaces	2 Parking Spaces
Deck Area	140 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	207414
Street Address	402 SPRUCE AVE
City	INDEPENDENCE
State	OR
Zip	97351-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	HILL PARK ADDITION NO. 4 LOT 8 BLOCK 8
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	HILL PARK ADDITION NO. 4
Legal Block	8
Legal Lot Number	8
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	4
Census Block	4020
Census Tract	20305

Owner

402 Spruce Ave is owned by an individual who bought it in December 2021.

Source: Polk 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	PO BOX 1024, WOODBURN, OR 97071-1024
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Warranty Deed, Transfer · VA Mortgage NATIONS DIRECT MORTGAGE LLC
Mar 6, 2019	Warranty Deed, Transfer · FHA Mortgage LPMC LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Prior Sale	Mar 6, 2019 · Amount on File
Deed Document Number	202119115
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Dec 7, 2021
Property Address	402 SPRUCE AVE, INDEPENDENCE, OR 97351-1632
Document Number	0000019115
Map Reference	VOL 7 PG 2
Instrument Date	Dec 6, 2021
Instrument	2021-019115
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN

Transaction

Amount	Amount 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
Address	PO BOX 1024, WOODBURN, OR 97071-1024

Mortgage

Document Number	0000019116
Date	Dec 7, 2021
Instrument	2021-019116

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Mar 6, 2019
Property Address	402 SPRUCE AVE, INDEPENDENCE, OR 97351-1632
Document Number	0000002237
Instrument Date	Mar 5, 2019
Instrument	2019-002237
Transaction Type	Transfer
Record Updated	Feb 8, 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	402 SPRUCE AVE, INDEPENDENCE, OR 97351-1632

Mortgage

Document Number	0000002238
Date	Mar 6, 2019
Instrument	2019-002238

Lender

Name	LPMC LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 402 Spruce Ave was $2,431, up 3.8% from the year before.

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,240 (+2.99%) Land $47,940 Building $89,300	$315,150 (-3.8%) Land $150,000 Building $165,150
2025	$2,431.00 (+3.76%)	$133,250 (+3%) Land $46,540 Building $86,710	$327,610 (+4.43%) Land $149,300 Building $178,310
2024	$2,343.00 (-2.5%)	$129,370 (+2.99%) Land $45,180 Building $84,190	$313,700 (-2.01%) Land $137,000 Building $176,700
2023	$2,403.00 (+8.93%)	$125,610 (+2.99%) Land $43,860 Building $81,750	$320,140 (+10.12%) Land $138,200 Building $181,940
2022	$2,206.00	$121,960 Land $42,580 Building $79,380	$290,720 Land $117,500 Building $173,220

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 402 Spruce Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 28, 2021 · 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	2 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 402 Spruce Ave 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	None beyond 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	INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399
Water Source	Groundwater
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) action level 15 ppb
Copper	1.45 mg/L (2021–2023) action level 1.3 mg/L

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 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Willamette Valley Fiber Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hunter Communications.

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