470 N Garden Way, Eugene, OR 97401 Property Records

Lane County property record for 470 N Garden Way, Eugene, OR 97401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1948
Lot Size	0.48 acres (20,908 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Sep 2017)
Tax Bill	$3,752 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-28-12-02903-000`

Property Details

APN / Parcel Number

Primary APN	`17-03-28-12-02903-000`
Alternative APNs	`1703281202903` `0238103`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	2,046 sqft
1st Floor Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,908 sqft (0.48 acres)
Garage Type	Attached
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces
Patio Area	640 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	0238103
Street Address	470 N GARDEN WAY
City	EUGENE
State	OR
Zip	97401-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TL 02903
Legal Range	03
Legal Township	17
Legal Section	28
Legal Subdivision	PARTITION 96-P0836
Legal Lot Number	2903
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	2
Census Block	2002
Census Tract	3103

Owner

Source: Lane County records, as of July 7, 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	470 N GARDEN WAY, EUGENE, OR 97401-5316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CREDIT UNION
May 14, 2019	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Jun 11, 2020	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 28, 2017	Warranty Deed, Transfer · FHA Mortgage MANN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2017 · Amount on Record
Deed Sale	Sep 28, 2017 · Amount on Record
Prior Sale	Feb 15, 2005 · Amount on Record
Deed Document Number	201748078
Prior Transfer Date	Sep 27, 2017
Prior Transfer Doc	0000048078
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Recording Date	Jun 30, 2026
Property Address	470 N GARDEN WAY, EUGENE, OR 97401-5316
Document Number	0000021832
Instrument Date	Jun 26, 2026
Instrument	202621832
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021832,
Date	Jun 30, 2026
Instrument	202621832

Lender

Name	ONPOINT COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	470 N GARDEN WAY, EUGENE, OR 97401-5316
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018372
Date	May 14, 2019
Instrument	2019-018372

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	470 N GARDEN WAY, EUGENE, OR 97401-5316
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029641
Date	Jun 11, 2020
Instrument	2020-029641

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	470 N GARDEN WAY, EUGENE, OR 97401-5316
Document Number	0000033796
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 N GARDEN WAY EUGENE OR 974015316, EUGENE, OR 97401-5316

Mortgage

Document Number	0000033796
Date	Jun 30, 2020
Instrument	33796

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Sep 28, 2017
Property Address	470 N GARDEN WAY, EUGENE, OR 97401-5316
Document Number	0000048078
Instrument Date	Sep 27, 2017
Instrument	2017-048078
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 N GARDEN WAY, EUGENE, OR 97401-5316

Mortgage

Document Number	0000048079
Date	Sep 28, 2017
Instrument	2017-048079

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Eugene City
Unified School District	Eugene School District 4J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,752.00 (+3.9%)	$192,608 (+6.09%)	$473,455 (+4.11%) Land $186,248 Building $287,207
2023	$3,611.00 (+4.03%)	$181,553 (+3%)	$454,779 (+11.33%) Land $149,166 Building $305,613
2022	$3,471.00	$176,266	$408,482 Land $149,166 Building $259,316

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 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
Community Rating System	Class 7 (15% 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

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	EUGENE WATER & ELECTRIC BOARD serves 176,000 people · EPA ID OR4100287
Water Source	Surface water
Last State Inspection	Jul 2021
Lead	5 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Alyrica Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Hunter Communications, Verizon, Ziply Fiber.

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