406 Spruce Ave, Independence, OR 97351 Property Records

Polk County property record for 406 Spruce Ave, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,012 sqft · built 1975
Lot Size	0.198 acres (8,610 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,364 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08428-CB-06000`

Property Details

APN / Parcel Number

Primary APN	`08428-CB-06000`
Alternative APN	`207399`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,012 sqft Living Area
Gross Area	1,376 sqft
1st Floor Area	1,012 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1980
Exterior Material	Plywood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,610 sqft (0.198 acres)
Garage Area	364 sqft
Parking Spaces	2 Parking Spaces
Patio Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	207399
Street Address	406 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 6 BLOCK 8
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	HILL PARK ADDITION NO. 4
Legal Block	8
Legal Lot Number	6
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	4
Census Block	4020
Census Tract	20305

Owner

406 Spruce Ave is owned and occupied by two individuals.

Source: Polk County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 SPRUCE AVE, INDEPENDENCE, OR 97351-1632
Occupancy	Owner Occupied
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 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	406 SPRUCE AVE, INDEPENDENCE, OR 97351-1632
Document Number	0000008292
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SPRUCE AVE INDEPENDENCE OR 973511632, INDEPENDENCE, OR 97351-1632

Mortgage

Document Number	0000008292
Date	Aug 6, 2019
Instrument	8292

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	725 SUMMER ST NE # B, SALEM, OR 97301-1266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	12%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	406 SPRUCE AVE, INDEPENDENCE, OR 97351-1632
Document Number	0000004458
Instrument Date	Feb 21, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SPRUCE AVE INDEPENDENCE OR 973511632, INDEPENDENCE, OR 97351-1632

Mortgage

Document Number	0000004458
Date	Apr 17, 2017
Instrument	4458

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	SALEM, OR 97301-1266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 406 Spruce Ave was $2,364, 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		$133,460 (+2.99%) Land $46,820 Building $86,640	$314,440 (-4.39%) Land $150,000 Building $164,440
2025	$2,364.00 (+3.78%)	$129,580 (+3%) Land $45,460 Building $84,120	$328,870 (+4.42%) Land $149,300 Building $179,570
2024	$2,278.00 (-2.52%)	$125,810 (+3%) Land $44,130 Building $81,680	$314,950 (-1.39%) Land $137,000 Building $177,950
2023	$2,337.00 (+8.95%)	$122,150 (+2.99%) Land $42,850 Building $79,300	$319,380 (+11.83%) Land $138,200 Building $181,180
2022	$2,145.00	$118,600 Land $41,600 Building $77,000	$285,600 Land $117,500 Building $168,100

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

Flood

FEMA maps place 406 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 406 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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