4595 Blanco St, Florence, OR 97439 Property Records

Lane County property record for 4595 Blanco St, Florence, OR 97439

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,058 sqft · built 1959
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on File
Last Sale	$417,500 (May 2026)
Tax Bill	$1,900 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-12-04-43-03508-000`

Property Details

APN / Parcel Number

Primary APN	`18-12-04-43-03508-000`
Alternative APNs	`1812044303508` `0779361`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,058 sqft Living Area
1st Floor Area	778 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Frame
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic

Location & Zoning

Account Number	0779361
Street Address	4595 BLANCO ST
City	FLORENCE
State	OR
Zip	97439-9162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA/MH
Legal Description	TL 03508
Legal Range	12
Legal Township	18
Legal Section	04
Legal Subdivision	HECETA BEACH
Legal Block	2
Legal Lot Number	3508
Jurisdiction	LANE OR
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1022
Census Tract	706

Owner

Source: Lane County assessment roll, as of November 10, 2025

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 3016, FLORENCE, OR 97439-0168
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE COMPANY
May 22, 2026	Warranty Deed, Transfer · Construction Mortgage EVERGREEN MONEYSOURCE MORTGAGE COMPANY
Jul 31, 2020	Warranty Deed, Transfer · Conventional Mortgage JAMES H & JANIS A CAGLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	202616554
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Recording Date	Aug 12, 2026
Property Address	4595 BLANCO ST, FLORENCE, OR 97439-9162
Document Number	0000026617
Instrument Date	Jul 31, 2026
Instrument	202626617
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	CASCADE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4595 BLANCO ST, FLORENCE, OR 97439-9162

Mortgage

Document Number	0000026617,
Date	Aug 12, 2026
Instrument	202626617

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	May 22, 2026
Property Address	4595 BLANCO ST, FLORENCE, OR 97439-9162
Document Number	0000016554
Instrument Date	May 21, 2026
Instrument	202616554
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	WESTERN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Mortgage

Document Number	0000016555,
Date	May 22, 2026
Instrument	202616555

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Oct 1, 2026

Interest

Rate Type	Balloon
Rate	6.37%
Initial Type	Balloon
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jul 31, 2020
Property Address	4595 BLANCO ST, FLORENCE, OR 97439-9162
Document Number	0000041922
Instrument Date	Jul 29, 2020
Instrument	41922
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$453.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 779 FLORENCE OR 974390031, FLORENCE, OR 97439-0031

Mortgage

Document Number	41923
Date	Jul 31, 2020
Instrument	41923

Lender

Name	JAMES H & JANIS A CAGLE
Address	30343 SEELY LN, EUGENE, OR 97405-9479
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 30, 2025

Tax Assessment & Valuation

Source: Lane County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Unified School District	Siuslaw School District 97J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,900.00 (+6.32%)	$168,987 (+6.09%)	$398,115 (-1%) Land $134,881 Building $263,234
2023	$1,787.00 (+4.38%)	$159,288 (+3%)	$402,126 (+18.02%) Land $117,102 Building $285,024
2022	$1,712.00	$154,649	$340,738 Land $112,997 Building $227,741

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 August 26, 2022 · 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 19 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	107 units insured incl. 88 condo units
Nearby Flood Claims	2 (1983–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2024 · 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	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLORENCE serves 9,561 people · EPA ID OR4100299
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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