490 N Garden Way, Eugene, OR 97401 Property Records

Lane County property record for 490 N Garden Way, Eugene, OR 97401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,168 sqft · built 1948
Lot Size	0.14 acres (6,107 sqft)
Owner	Company Name on Record
Last Sale	$365,000 (Apr 2022)
Tax Bill	$2,749 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-03-28-12-02802-000`

Property Details

APN / Parcel Number

Primary APN	`17-03-28-12-02802-000`
Alternative APNs	`1703281202802` `0238087`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	1,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,107 sqft (0.14 acres)
Lot Dimensions	86 ft deep x 71 ft wide
Garage Type	Open
Garage Area	300 sqft
Driveway	Driveway
Driveway Area	300 sqft
Parking Spaces	1 Parking Space
Patio Area	330 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Account Number	0238087
Street Address	490 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 02802
Legal Range	03
Legal Township	17
Legal Section	28
Legal Subdivision	LAND PARTITION 96-P0916
Legal Lot Number	2802
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 May 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2475 WILLONA DR, EUGENE, OR 97408-4765
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 30, 2022	Intrafamily Transfer, Transfer · Commercial Mortgage PROTECTIVE LIFE INSURANCE CO
Apr 1, 2022	Warranty Deed, Transfer · Conventional Mortgage DIRECTORS MORTGAGE INC
Oct 6, 2017	Warranty Deed, Transfer · FHA Mortgage CMG FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Oct 6, 2017 · Amount on Record
Deed Document Number	202215033
Last Transfer Date	Jun 30, 2022
Transfer Doc	0000029396
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	490 N GARDEN WAY, EUGENE, OR 97401-5316
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068342
Date	Oct 28, 2021
Instrument	2021-068342

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	490 N GARDEN WAY, EUGENE, OR 97401-5316
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036117
Date	Jul 9, 2020
Instrument	2020-036117

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANE OR
Recording Date	Jun 30, 2022
Property Address	490 N GARDEN WAY, EUGENE, OR 97401-5316
Document Number	0000029396
Instrument Date	Jun 30, 2022
Instrument	2022-029396
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	CASCADE TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2475 WILLONA DR, EUGENE, OR 97408-4765

Mortgage

Document Number	0000029203
Date	Jun 30, 2022
Instrument	2022-029203

Lender

Name	PROTECTIVE LIFE INSURANCE CO
Type	Insurance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2037

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Apr 1, 2022
Property Address	490 N GARDEN WAY, EUGENE, OR 97401-5316
Document Number	0000015033
Instrument Date	Mar 31, 2022
Instrument	2022-015033
Transaction Type	Transfer
Record Updated	Oct 28, 2025
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	2475 WILLONA DR, EUGENE, OR 97408-4765

Mortgage

Document Number	0000015034
Date	Apr 1, 2022
Instrument	2022-015034

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company

Agreement

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

Interest

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Oct 6, 2017
Property Address	490 N GARDEN WAY, EUGENE, OR 97401-5316
Document Number	0000049537
Instrument Date	Sep 20, 2017
Instrument	2017-049537
Transaction Type	Transfer
Record Updated	Jul 6, 2022
Title Company	FIRST AMERICAN

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
Address	490 N GARDEN WAY, EUGENE, OR 97401-5316

Mortgage

Document Number	0000049538
Date	Oct 6, 2017
Instrument	2017-049538

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 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	$2,749.00 (+3.89%)	$141,114 (+6.09%)	$355,251 (+5.53%) Land $142,657 Building $212,594
2023	$2,646.00 (+4.05%)	$133,014 (+3%)	$336,645 (+10.83%) Land $114,458 Building $222,187
2022	$2,543.00	$129,140	$303,753 Land $114,458 Building $189,295

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
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	Not rated no burnable land within 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 525 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Alyrica Fixed Wireless	400 / 50
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Hunter Communications, Verizon.

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