445 S 7th St, Independence, OR 97351 Property Records

Polk County property record for 445 S 7th St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,639 sqft · built 2021
Lot Size	0.115 acres (5,012 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Feb 2022)
Tax Bill	$4,925 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08428-BC-10602`

Property Details

APN / Parcel Number

Primary APN	`08428-BC-10602`
Alternative APN	`573465`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,639 sqft Living Area
Gross Area	2,019 sqft
1st Floor Area	766 sqft
2nd Floor Area	873 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood Shingle
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,012 sqft (0.115 acres)
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	573465
Street Address	445 S 7TH ST
City	INDEPENDENCE
State	OR
Zip	97351-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	NULL NULL BLOCK NULL
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	NULL
Legal Block	3
Legal Lot Number	NULL
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3037
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

Source: Polk County records, as of May 21, 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	445 S 7TH ST, INDEPENDENCE, OR 97351-1405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Apr 23, 2021 · Amount on Record
Deed Document Number	20222542
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Feb 25, 2022
Property Address	445 S 7TH ST, INDEPENDENCE, OR 97351-1405
Document Number	0000002542
Instrument Date	Feb 25, 2022
Instrument	2022-002542
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 7, 2022
Title Company	FIDELITY NATIONAL 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	445 S 7TH ST, INDEPENDENCE, OR 97351-1405

Mortgage

Document Number	0000002543
Date	Feb 25, 2022
Instrument	2022-002543

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

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		$277,950 (+3%) Land $69,960 Building $207,990	$476,980 (+4.53%) Land $150,000 Building $326,980
2025	$4,925.00 (+3.79%)	$269,860 (+3%) Land $67,920 Building $201,940	$456,300 (-5.69%) Land $135,000 Building $321,300
2024	$4,745.00 (-2.49%)	$262,000 (+3%) Land $65,950 Building $196,050	$483,820 (-2.24%) Land $137,000 Building $346,820
2023	$4,866.00 (+8.91%)	$254,370 (+3%) Land $64,030 Building $190,340	$494,890 (+6%) Land $138,200 Building $356,690
2022	$4,468.00	$246,970 Land $62,160 Building $184,810	$466,860 Land $117,500 Building $349,360

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 · 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

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 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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