434 S Main St, Independence, OR 97351 Property Records

Polk County property record for 434 S Main St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,544 sqft · built 1914
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Mar 2018)
Tax Bill	$3,928 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08428-BD-00200`

Property Details

APN / Parcel Number

Primary APN	`08428-BD-00200`
Alternative APN	`205676`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,544 sqft Living Area
Gross Area	4,004 sqft
1st Floor Area	1,380 sqft
Attic	Attic
Attic Area	2,328 sqft
Basement Area	1,220 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1966
Exterior Material	Asbestos
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
View / Lot	Traffic
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	120 sqft
Patio Area	456 sqft
Shed	1 Shed
Shed Area	216 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	205676
Street Address	434 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 2 BLOCK 5
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	HILLS TOWN OF INDEPENDENCE
Legal Block	5
Legal Lot Number	2
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

434 S Main St is owned and occupied by two individuals who bought it in March 2018.

Source: Polk County records, as of July 7, 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 File
Mailing Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage MASTERS LENDING
May 23, 2022	Deed of Trust, Mortgage · Line of Credit MAPS CU
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 12, 2018	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2018 · Amount on File
Deed Sale	Mar 12, 2018 · Amount on File
Prior Sale	Sep 23, 2004 · Amount on File
Deed Document Number	20182962
Prior Transfer Date	Aug 15, 2008
Prior Transfer Doc	0000010305
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Recording Date	Jun 29, 2026
Property Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418
Document Number	0000005207
Instrument Date	Jun 29, 2026
Instrument	20265207
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418

Mortgage

Document Number	0000005207,
Date	Jun 29, 2026
Instrument	20265207

Lender

Name	MASTERS LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jul 1, 2029

Interest

Rate	6.53%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006259
Date	May 23, 2022
Instrument	2022-006259

Lender

Name	MAPS CU
Type	Credit Union
Address	SALEM, OR 97309

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001265
Date	Jan 22, 2021
Instrument	2021-001265

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008913
Date	Aug 19, 2019
Instrument	2019-008913

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Mar 12, 2018
Property Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418
Document Number	0000002962
Instrument Date	Mar 9, 2018
Instrument	2018-002962
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	AMERITITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	434 S MAIN ST, INDEPENDENCE, OR 97351-2418

Mortgage

Document Number	0000002963
Date	Mar 12, 2018
Instrument	2018-002963

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 434 S Main St was $3,928, 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		$221,700 (+3%) Land $60,200 Building $161,500	$368,519 (+4.72%) Land $150,000 Building $218,519
2025	$3,928.00 (+3.78%)	$215,250 (+3%) Land $58,440 Building $156,810	$351,911 (-6.85%) Land $135,000 Building $216,911
2024	$3,785.00 (-2.5%)	$208,990 (+3%) Land $56,740 Building $152,250	$377,793 (-1.46%) Land $137,000 Building $240,793
2023	$3,882.00 (+8.92%)	$202,910 (+3%) Land $55,090 Building $147,820	$383,381 (+9.17%) Land $138,200 Building $245,181
2022	$3,564.00	$197,000 Land $53,480 Building $143,520	$351,191 Land $117,500 Building $233,691

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

Flood

FEMA maps place 434 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 434 S Main St is low, with 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 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.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures