421 N 13th St, Independence, OR 97351 Property Records

Polk County property record for 421 N 13th St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,265 sqft · built 1978
Lot Size	0.192 acres (8,378 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Sep 2021)
Tax Bill	$3,579 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08420-DC-10300`

Property Details

APN / Parcel Number

Primary APN	`08420-DC-10300`
Alternative APN	`355450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,265 sqft Living Area
Gross Area	1,696 sqft
1st Floor Area	1,265 sqft
Family Room	Family Room

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1991
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,378 sqft (0.192 acres)
Garage Area	431 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Patio Area	120 sqft
Shed	1 Shed
Shed Area	120 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	355450
Street Address	421 N 13TH ST
City	INDEPENDENCE
State	OR
Zip	97351-9663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	ASH BROOK ADDITION - PHASE III LOT 6 BLOCK 11
Legal Range	4W
Legal Township	08S
Legal Section	20
Legal Subdivision	ASH BROOK ADDITION - PHASE III
Legal Block	11
Legal Lot Number	6
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	1
Census Block	1004
Census Tract	20305

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	421 N 13TH ST, INDEPENDENCE, OR 97351-9663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Nov 6, 2017	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Jan 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Mar 16, 2016
Deed Document Number	202114763
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Sep 17, 2021
Property Address	421 N 13TH ST, INDEPENDENCE, OR 97351-9663
Document Number	0000014763
Map Reference	VOL 7 PG 47
Instrument Date	Sep 3, 2021
Instrument	2021-014763
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	FIRST AMERICAN

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	421 N 13TH ST, INDEPENDENCE, OR 97351-9663

Mortgage

Document Number	0000014764
Date	Sep 17, 2021
Instrument	2021-014764

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	421 N 13TH ST, INDEPENDENCE, OR 97351-9663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013296
Date	Nov 6, 2017
Instrument	2017-013296

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	421 N 13TH ST, INDEPENDENCE, OR 97351-9663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000949
Date	Jan 30, 2019
Instrument	2019-000949

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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		$202,000 (+3%) Land $54,660 Building $147,340	$405,110 (-4.63%) Land $150,000 Building $255,110
2025	$3,579.00 (+3.8%)	$196,120 (+3%) Land $53,070 Building $143,050	$424,790 (+4.12%) Land $149,300 Building $275,490
2024	$3,448.00 (-2.52%)	$190,410 (+3%) Land $51,520 Building $138,890	$407,970 (-1.49%) Land $137,000 Building $270,970
2023	$3,537.00 (+8.93%)	$184,870 (+3%) Land $50,020 Building $134,850	$414,150 (+11.32%) Land $138,200 Building $275,950
2022	$3,247.00	$179,490 Land $48,560 Building $130,930	$372,030 Land $117,500 Building $254,530

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

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 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	Not rated no burnable land 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	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 293 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	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hunter Communications.

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