427 Richards Ct E, Monmouth, OR 97361 Property Records

Polk County property record for 427 Richards Ct E, Monmouth, OR 97361

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,568 sqft · built 1997
Lot Size	0.195 acres (8,480 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (May 2025)
Tax Bill	$5,764 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08430-DB-15200`

Property Details

APN / Parcel Number

Primary APN	`08430-DB-15200`
Alternative APN	`532497`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,568 sqft Living Area
Gross Area	3,072 sqft
1st Floor Area	1,308 sqft
2nd Floor Area	1,260 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,480 sqft (0.195 acres)
Garage Area	504 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	140 sqft
Patio Area	1,163 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	532497
Street Address	427 RICHARDS CT E
City	MONMOUTH
State	OR
Zip	97361-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BALLARD ESTATES - PHASE II LOT 13
Legal Range	4W
Legal Township	08S
Legal Section	30
Legal Subdivision	BALLARD ESTATES - PHASE II
Legal Block	3
Legal Lot Number	13
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3021
Census Tract	20304

Owner

427 Richards Ct E is owned and occupied by an individual who bought it in May 2025.

Source: Polk County records, as of May 26, 2026

Owner of Record	Individual Name on File
Mailing Address	427 RICHARDS CT E, MONMOUTH, OR 97361-1759
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
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTREET BANK
Jan 30, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST TECHNOLOGY FEDERAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2025 · Amount on File
Deed Sale	May 7, 2025 · Amount on File
Prior Sale	Jan 30, 2017 · Amount on File
Deed Document Number	20253419
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	427 RICHARDS CT E, MONMOUTH, OR 97361-1759
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008152
Date	Jun 16, 2020
Instrument	2020-008152

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Jan 30, 2017
Property Address	427 RICHARDS CT E, MONMOUTH, OR 97361-1759
Document Number	0000001092
Map Reference	VOL10 PG45
Instrument Date	Nov 30, 2016
Instrument	2017-001092
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	427 RICHARDS CT E, MONMOUTH, OR 97361-1759

Mortgage

Document Number	0000001093
Date	Jan 30, 2017
Instrument	2017-001093

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 427 Richards Ct E was $5,764, up 3.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$346,750 (+3%) Land $86,400 Building $260,350	$556,500 (+4.11%) Land $150,000 Building $406,500
2025	$5,764.00 (+3.87%)	$336,660 (+3%) Land $83,880 Building $252,780	$534,510 (-1.47%) Land $135,000 Building $399,510
2024	$5,549.00 (-4.01%)	$326,860 (+3%) Land $81,430 Building $245,430	$542,490 (+0.97%) Land $138,900 Building $403,590
2023	$5,781.00 (+11.13%)	$317,340 (+3%) Land $79,060 Building $238,280	$537,270 (+7.24%) Land $137,600 Building $399,670
2022	$5,202.00	$308,100 Land $76,760 Building $231,340	$500,990 Land $128,200 Building $372,790

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

Flood

FEMA maps place 427 Richards Ct E 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 427 Richards Ct E 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 99.1% of the US · lower than 99.8% 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	CITY OF MONMOUTH serves 11,651 people · EPA ID OR4100537
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Nov 2015
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 230 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hunter Communications.

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