491 Union Gap Loop Rd, Oakland, OR 97462 Property Records

Douglas County property record for 491 Union Gap Loop Rd, Oakland, OR 97462

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,080 sqft · built 2008
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Jul 2021)
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-05W-08DD-00200`

Property Details

APN / Parcel Number

Primary APN	`25-05W-08DD-00200`
Alternative APNs	`33864.00` `R44795`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,080 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	1,040 sqft
Flooring	Carpet

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	100,188 sqft (2.3 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	200 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	33864.00
Street Address	491 UNION GAP LOOP RD
City	OAKLAND
State	OR
Zip	97462-8737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	STR
Legal Description	UNION HEIGHTS HOMESITES, LOT 36, ACRES 2.30
Legal Subdivision	UNION HEIGHTS HOMESITES
Legal Lot Number	36
Jurisdiction	DOUGLAS OR
Township / Civil Division	SUTHERLIN
Census Block Group	3
Census Block	3013
Census Tract	50001

Owner

Source: Douglas County assessment roll, as of November 19, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING
Apr 16, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 4, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Deed Document Number	202115268
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS OR
Recording Date	Apr 16, 2026
Property Address	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737
Document Number	0000004163
Instrument Date	Mar 31, 2026
Instrument	20264163
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004163,
Date	Apr 16, 2026
Instrument	20264163

Lender

Name	UNITED MORTGAGE LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	4%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS OR
Recording Date	Apr 16, 2026
Property Address	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737
Document Number	0000004163
Instrument Date	Mar 31, 2026
Instrument	20264163
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004163,
Date	Apr 16, 2026
Instrument	20264163

Lender

Name	UNITED MORTGAGE LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DOUGLAS OR
Recording Date	Jul 26, 2021
Property Address	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737
Document Number	0000015268
Instrument Date	Jul 22, 2021
Instrument	2021-015268
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737

Mortgage

Document Number	0000015269
Date	Jul 26, 2021
Instrument	2021-015269

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DOUGLAS OR
Recording Date	Dec 4, 2019
Property Address	491 UNION GAP LOOP RD, OAKLAND, OR 97462-8737
Document Number	0000018952
Instrument Date	Nov 27, 2019
Instrument	18952
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$321.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 UNION GAP LOOP RD OAKLAND OR 974628737, OAKLAND, OR 97462-8737

Tax Assessment & Valuation

Source: Douglas County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Douglas County
Unified School District	Oakland School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,457.00 (+3.41%)	$159,794 (+3%)	$347,490 (-0.03%) Land $80,429 Building $267,061
2024	$1,409.00 (+13.35%)	$155,140 (+3%)	$347,581 (-2.3%) Land $80,429 Building $267,152
2023	$1,243.00 (-7.45%)	$150,622 (+6.09%)	$355,766 (+28.96%) Land $85,211 Building $270,555
2022	$1,343.00	$141,976	$275,881 Land $65,648 Building $210,233

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 March 23, 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 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Dec 2015 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 46% of the US · lower than 82% of Oregon
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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