45040 Proposal Point Dr, Neskowin, OR 97149 Property Records

Tillamook County property record for 45040 Proposal Point Dr, Neskowin, OR 97149

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,286 sqft · built 2015
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Aug 2020)
Tax Bill	$6,922 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5S1124-AB-04400`

Property Details

APN / Parcel Number

Primary APN	`5S1124-AB-04400`
Alternative APN	`412337`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,286 sqft Living Area
1st Floor Area	1,255 sqft
2nd Floor Area	1,031 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2018
Exterior Material	Wood Shingle
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Area	398 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Deck Area	182 sqft
Patio Area	88 sqft

Location & Zoning

Account Number	412337
Street Address	45040 PROPOSAL POINT DR
City	NESKOWIN
State	OR
Zip	97149-8235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NESKRR
Legal Description	SUBD NAME: SAHHALI SOUTH LOT NO: 44
Legal Subdivision	SAHHALI SOUTH
Legal Lot Number	44
Jurisdiction	TILLAMOOK OR
Township / Civil Division	NESKOWIN
Census Block Group	3
Census Block	3029
Census Tract	960800

Owner

Source: Tillamook County records, as of January 15, 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	45040 PROPOSAL POINT DR, NESKOWIN, OR 97149-8235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2020 · Amount on Record
Deed Sale	Aug 6, 2020 · Amount on Record
Prior Sale	Feb 5, 2008 · Amount on Record
Deed Document Number	2020-5101
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TILLAMOOK OR
Property Address	45040 PROPOSAL POINT DR, NESKOWIN, OR 97149-8235
Transaction Type	Mortgage
Record Updated	Mar 12, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45040 PROPOSAL POINT DR, NESKOWIN, OR 97149-8235

Mortgage

Document Number	0000000838
Date	Mar 1, 2024
Instrument	2024-00838

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2044

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TILLAMOOK OR
Property Address	45040 PROPOSAL POINT DR, NESKOWIN, OR 97149-8235
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45040 PROPOSAL POINT DR, NESKOWIN, OR 97149-8235

Mortgage

Document Number	0000001266
Date	Feb 23, 2022
Instrument	2022-01266

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2027
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	4.5%
Index	5-Year CMT
Margin	2
Max Rate	7.5%

Tax Assessment & Valuation

Source: Tillamook County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Tillamook County
Unified School District	Nestucca Valley School District 101J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,922.00 (+5.73%)	$574,550 (+3%) Land $312,650 Building $261,900	$925,690 (+6.43%) Land $304,530 Building $621,160
2024	$6,547.00 (-0.4%)	$557,820 (+3%) Land $303,540 Building $254,280	$869,770 (+8.42%) Land $341,300 Building $528,470
2023	$6,573.00 (+3.72%)	$541,580 (+3%) Land $294,700 Building $246,880	$802,200 (-10.37%) Land $329,200 Building $473,000
2022	$6,337.00	$525,810 Land $286,120 Building $239,690	$894,970 Land $301,170 Building $593,800

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 September 27, 2018 · 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 147 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	290 units insured incl. 143 condo units
Nearby Flood Claims	61 (1987–2021)
Claims Outside the SFHA	21 of 61
Most Recent Claim	Nov 2021 · river or lake flooding

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	NESKOWIN REG WATER DIST serves 1,735 people · EPA ID OR4100970
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	Under 1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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