497 E Hersey St, Ashland, OR 97520 Property Records

Jackson County property record for 497 E Hersey St, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,146 sqft · built 1989
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$25,742 (Dec 2004)
Tax Bill	$3,647 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`391E04DD1302`

Property Details

APN / Parcel Number

Primary APN	`391E04DD1302`
Alternative APNs	`391E04DD01302` `10768931`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,146 sqft Living Area
Gross Area	1,458 sqft
1st Floor Area	1,146 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete
Roof Material	Other
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	497 E HERSEY ST
City	ASHLAND
State	OR
Zip	97520-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Range	01E
Legal Township	39S
Legal Section	04
Legal Quarter	4
Legal Subdivision	PATTERSON PHELPS TRACTS
Legal Block	3
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3019
Census Tract	1802

Owner

497 E Hersey St is owned and occupied by an individual who bought it in December 2004.

Source: Jackson County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	497 E HERSEY ST, ASHLAND, OR 97520-1244
Occupancy	Owner Occupied
Owner Type	Individual

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 28, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2004 · Amount on File
Deed Sale	Dec 17, 2004 · Amount on File
Deed Document Number	200473126
Prior Transfer Date	Dec 16, 2004
Prior Transfer Doc	0000073126
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Recording Date	Sep 28, 2026
Property Address	497 E HERSEY ST, ASHLAND, OR 97520-1244
Document Number	0000021597
Instrument Date	Sep 21, 2026
Instrument	202621597
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 E HERSEY ST, ASHLAND, OR 97520-1244

Mortgage

Document Number	0000021597,
Date	Sep 28, 2026
Instrument	202621597

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 16, 2036

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	497 E HERSEY ST, ASHLAND, OR 97520-1244
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022201
Date	Oct 15, 2025
Instrument	2025-022201

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Nov 4, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 497 E Hersey St was $3,647, up 2.2% from the year before.

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Ashland City
Unified School District	Ashland School District 5 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$237,190 (+3%)	$419,120 (+1.31%) Land $229,680 Building $189,440
2025	$3,647.00 (+2.16%)	$230,290 (+3%) Land $112,790 Building $117,500	$413,720 (+3.11%) Land $217,800 Building $195,920
2024	$3,570.00 (+3.36%)	$223,590 (+3%) Land $109,510 Building $114,080	$401,250 (-7.36%) Land $217,800 Building $183,450
2023	$3,454.00 (+3.32%)	$217,080 (+3%) Land $106,320 Building $110,760	$433,130 (-5.18%) Land $302,260 Building $130,870
2022	$3,343.00	$210,760 Land $103,230 Building $107,530	$456,790 Land $344,390 Building $112,400

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

Flood

FEMA maps place 497 E Hersey St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · 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 File median of 14 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	14 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 497 E Hersey St is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 78% of Oregon
Wildfire Likelihood	0.2% 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	ASHLAND WATER DEPARTMENT serves 20,946 people · EPA ID OR4100047
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30

May also be available: Hunter Communications.

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