424 S 10th St, Independence, OR 97351 Property Records

Polk County property record for 424 S 10th St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,010 sqft · built 1940
Lot Size	0.216 acres (9,413 sqft)
Owner	Individual Name on File
Tax Bill	$2,044 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08429-AD-01600`

Property Details

APN / Parcel Number

Primary APN	`08429-AD-01600`
Alternative APN	`209111`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,010 sqft Living Area
Gross Area	1,290 sqft
1st Floor Area	1,010 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,413 sqft (0.216 acres)
Garage Area	280 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	300 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	209111
Street Address	424 S 10TH ST
City	INDEPENDENCE
State	OR
Zip	97351-1517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	ONE STORY
Legal Range	4W
Legal Township	08S
Legal Section	29
Legal Block	5
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	5
Census Block	5002
Census Tract	20305

Owner

424 S 10th St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	424 S 10TH ST, INDEPENDENCE, OR 97351-1517
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
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	424 S 10TH ST, INDEPENDENCE, OR 97351-1517
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 S 10TH ST, INDEPENDENCE, OR 97351-1517

Mortgage

Document Number	0000009669
Date	Dec 17, 2025
Instrument	2025-009669

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	COLUMBUS, OH 43215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 12, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	424 S 10TH ST, INDEPENDENCE, OR 97351-1517
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002987
Date	Feb 18, 2021
Instrument	2021-002987

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 424 S 10th St was $2,044, 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		$115,380 (+3%) Land $39,910 Building $75,470	$288,530 (-3.97%) Land $150,000 Building $138,530
2025	$2,044.00 (+3.81%)	$112,020 (+3%) Land $38,740 Building $73,280	$300,460 (+4.83%) Land $149,300 Building $151,160
2024	$1,969.00 (-2.52%)	$108,760 (+2.99%) Land $37,610 Building $71,150	$286,630 (-1.39%) Land $137,000 Building $149,630
2023	$2,020.00 (+8.95%)	$105,600 (+2.99%) Land $36,510 Building $69,090	$290,660 (+10.85%) Land $138,200 Building $152,460
2022	$1,854.00	$102,530 Land $35,450 Building $67,080	$262,220 Land $117,500 Building $144,720

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

Flood

FEMA maps place 424 S 10th St 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	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 424 S 10th St is low, with less than 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 93% of the US · lower than 98.2% of Oregon
Wildfire Likelihood	Under 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 408 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: CenturyLink, Hunter Communications.

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