515 E Cowins St, Heppner, OR 97836 Property Records

Morrow County property record for 515 E Cowins St, Heppner, OR 97836

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2019
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (May 2022)
Tax Bill	$5,029 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02S2635CA-01503`

Property Details

APN / Parcel Number

Primary APN	`02S2635CA-01503`
Alternative APN	`13156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms

Exterior

Year Built	Built 2019
Lot Area	16,988 sqft (0.389 acres)

Location & Zoning

Account Number	13156
Street Address	515 E COWINS ST
City	HEPPNER
State	OR
Zip	97836-6353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROPERTY:R13156, PARTITION PLAT 2022-5, PARCEL 2
Legal Subdivision	PARTITION PLAT 2022-5
Jurisdiction	MORROW OR
Township / Civil Division	HEPPNER
Census Block Group	5
Census Block	5055
Census Tract	970200

Owner

Source: Morrow County records · APN 02S2635CA-01503

Assessment roll updated September 30, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 570, HEPPNER, OR 97836-0570
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Deed Document Number	2022-51292
Record Updated	Jun 08, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OR
Recording Date	May 26, 2022
Property Address	515 E COWINS ST, HEPPNER, OR 97836-6353
Document Number	0202251292
Instrument Date	May 25, 2022
Instrument	2022-51292
Transaction Type	Transfer
Record Updated	Mar 15, 2023
Title Company	MID-COLUMBIA TITLE COMPANY, MID COLUMBIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	PO BOX 570, HEPPNER, OR 97836-0570

Mortgage

Document Number	0202251293
Date	May 26, 2022
Instrument	2022-51293

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Morrow County records · Assessment roll updated September 30, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Morrow County
Municipality	Heppner City
Unified School District	Morrow School District 1 (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,029.00 (+13.16%)	$191,180 (+3%)	$328,850 (-) Land $37,880 Building $290,970
2024	$4,444.00 (+2.54%)	$185,620 (+3%)	$328,850 (+1.06%) Land $37,880 Building $290,970
2023	$4,334.00 (+2.85%)	$180,220 (+2.99%)	$325,410 (-0.04%) Land $34,440 Building $290,970
2022	$4,214.00	$174,980	$325,550 Land $34,580 Building $290,970

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Morrow County (41049C), as of December 18, 2007 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 410499702005, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 65% of the US · lower than 73% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Blue Mountain Networks Fiber · Fixed Wireless	2,000 / 2,000
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 234 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OR4100369, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF HEPPNER serves 1,187 people
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.