5040 Saratoga St, Eugene, OR 97405 Property Records

Lane County property record for 5040 Saratoga St, Eugene, OR 97405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,968 sqft · built 1973
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on Record
Last Sale	$5,000 (Apr 2025)
Tax Bill	$5,994 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-03-18-41-09400-000`

Property Details

APN / Parcel Number

Primary APN	`18-03-18-41-09400-000`
Alternative APNs	`1803184109400` `0685527`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,968 sqft Living Area
Gross Area	3,472 sqft
1st Floor Area	1,484 sqft
Basement Area	1,484 sqft
Finished Basement	1,484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1979
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	105 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	504 sqft
Driveway	Driveway
Driveway Area	930 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant

Location & Zoning

Account Number	0685527
Street Address	5040 SARATOGA ST
City	EUGENE
State	OR
Zip	97405-3531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TL 09400
Legal Range	03
Legal Township	18
Legal Section	18
Legal Subdivision	EDGEWOOD ESTATES EIGHTH ADDITION
Legal Block	19
Legal Lot Number	9400
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	2
Census Block	2009
Census Tract	5400

Owner

Source: Lane County records, as of May 26, 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	5040 SARATOGA ST, EUGENE, OR 97405-3531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2025 · Amount on Record
Deed Sale	Apr 7, 2025 · Amount on Record
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	20259750
Prior Transfer Date	Apr 6, 2025
Prior Transfer Doc	0000009750
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	5040 SARATOGA ST, EUGENE, OR 97405-3531
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	FIDELITY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 SARATOGA ST, EUGENE, OR 97405-3531

Mortgage

Document Number	0000017262
Date	Apr 15, 2022
Instrument	2022-017262

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Dec 31, 2020
Property Address	5040 SARATOGA ST, EUGENE, OR 97405-3531
Document Number	0000077412
Map Reference	MB 41 PG 5
Instrument Date	Dec 29, 2020
Instrument	2020-077412
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	WESTERN TITLE & ESCROW

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	5040 SARATOGA ST, EUGENE, OR 97405-3531

Mortgage

Document Number	0000077413
Date	Dec 31, 2020
Instrument	2020-077413

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

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

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	$5,994.00 (+3.9%)	$307,671 (+6.09%)	$698,199 (-0.5%) Land $144,359 Building $553,840
2023	$5,769.00 (+4.02%)	$290,010 (+3%)	$701,737 (+14.12%) Land $111,145 Building $590,592
2022	$5,546.00	$281,564	$614,899 Land $112,858 Building $502,041

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 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 382 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Hunter Communications.

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