462 Richards Ct E, Monmouth, OR 97361 Property Records

Polk County property record for 462 Richards Ct E, Monmouth, OR 97361

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,654 sqft · built 1997
Lot Size	0.199 acres (8,664 sqft)
Owner	2 Individual Names on File
Last Sale	$397,500 (Jul 2020)
Tax Bill	$5,722 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08430-DB-15500`

Property Details

APN / Parcel Number

Primary APN	`08430-DB-15500`
Alternative APN	`532525`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,654 sqft Living Area
Gross Area	3,182 sqft
1st Floor Area	1,277 sqft
2nd Floor Area	1,377 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,664 sqft (0.199 acres)
Garage Area	528 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	321 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	532525
Street Address	462 RICHARDS CT E
City	MONMOUTH
State	OR
Zip	97361-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BALLARD ESTATES - PHASE II LOT 16
Legal Range	4W
Legal Township	08S
Legal Section	30
Legal Subdivision	BALLARD ESTATES - PHASE II
Legal Block	3
Legal Lot Number	16
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3021
Census Tract	20304

Owner

462 Richards Ct E is owned and occupied by two individuals who bought it in July 2020.

Source: Polk County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	462 RICHARDS CT E, MONMOUTH, OR 97361-1759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Jul 10, 2020	Warranty Deed, Transfer · FHA Mortgage LPMC LLC
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage CLOSINGMARK HM LNS INC
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2020 · Amount on File
Deed Sale	Jul 10, 2020 · Amount on File
Prior Sale	Mar 14, 2014 · Amount on File
Deed Document Number	20209549
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	462 RICHARDS CT E, MONMOUTH, OR 97361-1759
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 RICHARDS CT E, MONMOUTH, OR 97361-1759

Mortgage

Document Number	0000014836
Date	Sep 20, 2021
Instrument	2021-014836

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Jul 10, 2020
Property Address	462 RICHARDS CT E, MONMOUTH, OR 97361-1759
Document Number	0000009549
Map Reference	VOL 10 PG 45
Instrument Date	Jul 7, 2020
Instrument	2020-009549
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	462 RICHARDS CT E, MONMOUTH, OR 97361-1759

Mortgage

Document Number	0000009550
Date	Jul 10, 2020
Instrument	2020-009550

Lender

Name	LPMC LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	462 RICHARDS CT E, MONMOUTH, OR 97361-1759
Document Number	0000009486
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 RICHARDS CT E MONMOUTH OR 973611759, MONMOUTH, OR 97361-1759

Mortgage

Document Number	0000009486
Date	Aug 30, 2019
Instrument	9486

Lender

Name	CLOSINGMARK HM LNS INC
Address	ONTARIO, CA 91761

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	462 RICHARDS CT E, MONMOUTH, OR 97361-1759
Document Number	0000000003
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 RICHARDS CT E MONMOUTH OR 973611759, MONMOUTH, OR 97361-1759

Mortgage

Document Number	0000000003
Date	Jan 2, 2018
Instrument	3

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 462 Richards Ct E was $5,722, up 3.9% from the year before.

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Monmouth City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$344,220 (+3%) Land $86,400 Building $257,820	$558,010 (-0.82%) Land $150,000 Building $408,010
2025	$5,722.00 (+3.87%)	$334,200 (+3%) Land $83,880 Building $250,320	$562,650 (+3.4%) Land $141,500 Building $421,150
2024	$5,509.00 (-4.01%)	$324,470 (+3%) Land $81,430 Building $243,040	$544,170 (+0.97%) Land $138,900 Building $405,270
2023	$5,739.00 (+11.13%)	$315,020 (+3%) Land $79,060 Building $235,960	$538,940 (+7.14%) Land $137,600 Building $401,340
2022	$5,164.00	$305,850 Land $76,760 Building $229,090	$503,030 Land $128,200 Building $374,830

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

Flood

FEMA maps place 462 Richards Ct E in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 462 Richards Ct E is low, with less than 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 99.1% of the US · lower than 99.8% of Oregon
Wildfire Likelihood	Under 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	CITY OF MONMOUTH serves 11,651 people · EPA ID OR4100537
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Nov 2015
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 230 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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