430 Independence Hwy, Independence, OR 97351 Property Records

Polk County property record for 430 Independence Hwy, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,946 sqft · built 2020
Lot Size	0.93 acres (40,510 sqft)
Owner	2 Individual Names on Record
Last Sale	$479,900 (May 2020)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07426-C0-02306`

Property Details

APN / Parcel Number

Primary APN	`07426-C0-02306`
Alternative APN	`580006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,946 sqft Gross Area
1st Floor Area	2,242 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,510 sqft (0.93 acres)
View / Lot	Creek
Garage Area	704 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	580006
Street Address	430 INDEPENDENCE HWY
City	INDEPENDENCE
State	OR
Zip	97351-9658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR-5
Legal Description	NULL NULL BLOCK NULL
Legal Range	4W
Legal Township	07S
Legal Section	26
Legal Subdivision	NULL
Legal Block	4
Legal Lot Number	NULL
Jurisdiction	POLK OR
Township / Civil Division	SALEM
Census Block Group	4
Census Block	4037
Census Tract	5301

Owner

Source: Polk County records, as of June 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	430 INDEPENDENCE HWY, INDEPENDENCE, OR 97351-9658
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit MAPS CU
Mar 30, 2021	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Deed Document Number	20206530
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	430 INDEPENDENCE HWY, INDEPENDENCE, OR 97351-9658
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 INDEPENDENCE HWY, INDEPENDENCE, OR 97351-9658

Mortgage

Document Number	0000002278
Date	Mar 27, 2026
Instrument	2026-002278

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	430 INDEPENDENCE HWY, INDEPENDENCE, OR 97351-9658
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007610
Date	Oct 6, 2025
Instrument	2025-007610

Lender

Name	MAPS CU
Type	Credit Union
Address	SALEM, OR 97309

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	430 INDEPENDENCE HWY, INDEPENDENCE, OR 97351-9658
Document Number	0000007857
Instrument Date	Mar 30, 2021
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	430 INDEPENDENCE HWY INDEPENDENCE OR 973519658, INDEPENDENCE, OR 97351-9658

Mortgage

Document Number	0000007857
Date	May 6, 2021
Instrument	7857

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 5, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$318,680 (+12.59%) Land $80,060 Building $238,620	$636,180 (+6.78%) Land $194,000 Building $442,180
2025	$3,644.00 (+4.14%)	$283,040 (+3%) Land $77,730 Building $205,310	$595,800 (-2.33%) Land $174,000 Building $421,800
2024	$3,499.00 (-6.12%)	$274,800 (+3%) Land $75,470 Building $199,330	$610,020 (+2.09%) Land $179,760 Building $430,260
2023	$3,727.00 (+13.98%)	$266,800 (+3%) Land $73,270 Building $193,530	$597,510 (+7.72%) Land $175,440 Building $422,070
2022	$3,270.00	$259,030 Land $71,140 Building $187,890	$554,700 Land $169,360 Building $385,340

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

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	RICKREALL WATER ASSOCIATION private · serves 1,650 people · EPA ID OR4100704
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb
Copper	1.36 mg/L (2024–2026) action level 1.3 mg/L

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Nitrate not recorded as resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	65 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50

May also be available: Hunter Communications, Verizon.

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