Polk County property record for 520 S 3rd St, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,486 sqft · built 1935 |
| Lot Size | 0.121 acres (5,280 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Jul 2018) |
| Tax Bill | $2,451 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-BD-04900 |
| Primary APN | 08428-BD-04900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,486 sqft Living Area |
| Gross Area | 2,006 sqft |
| 1st Floor Area | 1,066 sqft |
| Attic | Attic |
| Attic Area | 840 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,280 sqft (0.121 acres) |
| Garage Area | 520 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 206037 |
|---|---|
| Street Address | 520 S 3RD ST |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | ONE STORY WITH ATTIC |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | HENRY HILLS ADDITION TO HENRY HILLS |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 20305 |
Source: Polk County records · APN 08428-BD-04900
Assessment roll updated May 21, 2026 · Last verified June 2026
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 | 520 S 3RD ST, INDEPENDENCE, OR 97351-1905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK |
| Nov 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK |
| Jul 02, 2018 | Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2018 · Amount on Record |
| Deed Sale | Jul 02, 2018 · Amount on Record |
| Prior Sale | Aug 15, 2014 · Amount on Record |
| Deed Document Number | 20187755 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 520 S 3RD ST, INDEPENDENCE, OR 97351-1905 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001814 |
|---|---|
| Date | Feb 01, 2021 |
| Instrument | 2021-001814 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 520 S 3RD ST, INDEPENDENCE, OR 97351-1905 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000013902 |
|---|---|
| Date | Nov 27, 2019 |
| Instrument | 2019-013902 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Jul 02, 2018 |
| Property Address | 520 S 3RD ST, INDEPENDENCE, OR 97351-1905 |
| Document Number | 0000007755 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 2018-007755 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 520 S 3RD ST, INDEPENDENCE, OR 97351-1905 |
| Document Number | 0000007756 |
|---|---|
| Date | Jul 02, 2018 |
| Instrument | 2018-007756 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
Source: Polk County records · Assessment roll updated May 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Polk County |
| Municipality | Independence City |
| Unified School District | Central School District 13J (KG - 12) |
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 |
|---|---|---|---|
| 2026 | $138,330 (+2.99%) Land $35,280 Building $103,050 | $415,790 (-4.71%) Land $150,000 Building $265,790 | |
| 2025 | $2,451.00 (+3.81%) | $134,310 (+3%) Land $34,250 Building $100,060 | $436,350 (+4.11%) Land $149,300 Building $287,050 |
| 2024 | $2,361.00 (-2.52%) | $130,400 (+2.99%) Land $33,250 Building $97,150 | $419,130 (-2.11%) Land $137,000 Building $282,130 |
| 2023 | $2,422.00 (+8.9%) | $126,610 (+2.99%) Land $32,280 Building $94,330 | $428,170 (+8.34%) Land $138,200 Building $289,970 |
| 2022 | $2,224.00 | $122,930 Land $31,340 Building $91,590 | $395,210 Land $117,500 Building $277,710 |
Source: FEMA National Flood Hazard Layer as of October 28, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Oregon |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Monmouth Independence Network Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 1,000 |
| Alyrica Networks Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hunter Communications & Technologies, Lumen Technologies.
Based on FCC filings for 408 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | INDEPENDENCE WATER SYSTEM serves 10,300 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2022 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Copper | 1.45 mg/L (2021–2023) action level 1.3 mg/L |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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