439 Willow St, Ashland, OR 97520 Property Records

Jackson County property record for 439 Willow St, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,998 sqft · built 1981
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$629,900 (Oct 2021)
Tax Bill	$4,611 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`391E04CB6900`

Property Details

APN / Parcel Number

Primary APN	`391E04CB6900`
Alternative APNs	`391E04CB06900` `10692906`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,998 sqft Living Area
Gross Area	2,330 sqft
1st Floor Area	1,440 sqft
2nd Floor Area	558 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2017
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	332 sqft
Parking Spaces	1 Parking Space
Deck Area	112 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	439 WILLOW ST
City	ASHLAND
State	OR
Zip	97520-1133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Range	01E
Legal Township	39S
Legal Section	04
Legal Quarter	3
Legal Subdivision	DONATION LAND CLAIM #40
Legal Block	1
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1010
Census Tract	1802

Owner

Source: Jackson County records, as of August 19, 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	439 WILLOW ST, ASHLAND, OR 97520-1133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 30, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Aug 15, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE
Jun 23, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Mar 30, 2021 · Amount on Record
Deed Document Number	202145232
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Oct 29, 2021
Property Address	439 WILLOW ST, ASHLAND, OR 97520-1133
Document Number	0000045232
Instrument Date	Oct 27, 2021
Instrument	2021-045232
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

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
Relationship	Tenants by the Entirety
Address	439 WILLOW ST, ASHLAND, OR 97520-1133

Mortgage

Document Number	0000045233
Date	Oct 29, 2021
Instrument	2021-045233

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Mar 30, 2021
Property Address	439 WILLOW ST, ASHLAND, OR 97520-1133
Document Number	0000014229
Instrument Date	Mar 24, 2021
Instrument	2021-014229
Transaction Type	Transfer
Record Updated	Jun 7, 2022
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
Relationship	Tenants by the Entirety
Address	439 WILLOW ST, ASHLAND, OR 97520-1133

Mortgage

Document Number	0000014230
Date	Mar 30, 2021
Instrument	2021-014230

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Aug 15, 2019
Property Address	439 WILLOW ST, ASHLAND, OR 97520-1133
Document Number	0000023709
Instrument Date	Jul 25, 2019
Instrument	23709
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$516.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	439 WILLOW ST ASHLAND OR 975201133, ASHLAND, OR 97520-1133

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Jun 23, 2017
Property Address	439 WILLOW ST, ASHLAND, OR 97520-1133
Document Number	0000020692
Instrument Date	Jun 22, 2017
Instrument	20692
Transaction Type	Transfer
Record Updated	Jun 28, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$328.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	439 WILLOW SREET ASHLAND OR 97520, ASHLAND, OR 97520

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Ashland City
Unified School District	Ashland School District 5 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$299,890 (+3%)	$594,050 (+4.54%) Land $212,280 Building $381,770
2025	$4,611.00 (+2.15%)	$291,160 (+3%) Land $112,590 Building $178,570	$568,260 (-3.89%) Land $201,000 Building $367,260
2024	$4,514.00 (+3.37%)	$282,680 (+3%) Land $109,320 Building $173,360	$591,280 (-8.38%) Land $201,000 Building $390,280
2023	$4,367.00 (+3.31%)	$274,450 (+3%) Land $106,140 Building $168,310	$645,380 (+10.12%) Land $287,850 Building $357,530
2022	$4,227.00	$266,460 Land $103,050 Building $163,410	$586,050 Land $305,360 Building $280,690

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · 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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 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	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	ASHLAND WATER DEPARTMENT serves 20,946 people · EPA ID OR4100047
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2025) action level 15 ppb

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 667 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30

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

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