414 S Main St, Independence, OR 97351 Property Records

Polk County property record for 414 S Main St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,792 sqft · built 1915
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jul 2021)
Tax Bill	$4,976 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Apr 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08428-BD-00100`

Property Details

APN / Parcel Number

Primary APN	`08428-BD-00100`
Alternative APN	`205663`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,792 sqft Living Area
Gross Area	4,857 sqft
1st Floor Area	1,784 sqft
Attic	Attic
Attic Area	1,016 sqft
Basement Area	1,333 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1967
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
View / Lot	Traffic
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	252 sqft
Shed	1 Shed
Shed Area	336 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	205663
Street Address	414 S MAIN ST
City	INDEPENDENCE
State	OR
Zip	97351-2418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUPC
Legal Description	HILLS TOWN OF INDEPENDENCE LOT 1 BLOCK 5
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	HILLS TOWN OF INDEPENDENCE
Legal Block	5
Legal Lot Number	1
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3006
Census Tract	20305

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048

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

Owner

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	2 Individual Names on Record
Mailing Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2017	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Apr 21, 2020	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Aug 10, 2022	Intrafamily Transfer, Transfer
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Apr 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on Record
Deed Sale	Jul 2, 2021 · Amount on Record
Prior Sale	Jul 9, 2014 · Amount on Record
Deed Document Number	202110842
Prior Transfer Date	Apr 23, 2021
Prior Transfer Doc	0000007572
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010165
Date	Aug 24, 2017
Instrument	2017-010165

Lender

Name	UMPQUA BANK
Type	Bank
Address	SALEM, OR 97302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005452
Date	Apr 21, 2020
Instrument	2020-005452

Lender

Name	UMPQUA BANK
Type	Bank
Address	INDEPENDENCE, OR 97351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK OR
Recording Date	Aug 10, 2022
Property Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418
Document Number	0000009293
Instrument Date	Aug 9, 2022
Instrument	2022-009293
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Jul 2, 2021
Property Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418
Document Number	0000010842
Instrument Date	Jun 22, 2021
Instrument	2021-010842
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF OR

Transaction

Amount	Amount Recorded
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
Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418

Mortgage

Document Number	0000010843
Date	Jul 2, 2021
Instrument	2021-010843

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK OR
Recording Date	Apr 30, 2021
Property Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418
Document Number	0000007572
Instrument Date	Apr 23, 2021
Instrument	2021-007572
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	FIDELITY NATL TTL CO OF OR

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 S MAIN ST, INDEPENDENCE, OR 97351-2418

Mortgage

Document Number	0000007573
Date	Apr 30, 2021
Instrument	2021-007573

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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		$280,830 (+3%) Land $36,150 Building $244,680	$617,310 (-6.38%) Land $150,000 Building $467,310
2025	$4,976.00 (+3.8%)	$272,660 (+3%) Land $35,090 Building $237,570	$659,410 (+4.2%) Land $149,300 Building $510,110
2024	$4,794.00 (-2.5%)	$264,720 (+3%) Land $34,070 Building $230,650	$632,810 (-2.51%) Land $137,000 Building $495,810
2023	$4,917.00 (+8.93%)	$257,010 (+3%) Land $33,080 Building $223,930	$649,070 (+14.9%) Land $138,200 Building $510,870
2022	$4,514.00	$249,530 Land $32,110 Building $217,420	$564,890 Land $117,500 Building $447,390

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

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 83 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

May also be available: CenturyLink, Hunter Communications, Verizon.

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