5265 Saratoga St, Eugene, OR 97405 Property Records

Lane County property record for 5265 Saratoga St, Eugene, OR 97405

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,548 sqft · built 1966
Lot Size	0.217 acres (9,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jan 2024)
Tax Bill	$6,815 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-03-18-44-00103-000`

Property Details

APN / Parcel Number

Primary APN	`18-03-18-44-00103-000`
Alternative APNs	`1803184400103` `0685865`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,548 sqft Living Area
Gross Area	3,008 sqft
1st Floor Area	1,012 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1993
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,448 sqft (0.217 acres)
Lot Dimensions	105 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	460 sqft
Driveway	Driveway
Driveway Area	1,530 sqft
Parking Spaces	2 Parking Spaces
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	0685865
Street Address	5265 SARATOGA ST
City	EUGENE
State	OR
Zip	97405-3587
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TL 00103
Legal Range	03
Legal Township	18
Legal Section	18
Legal Subdivision	NINTH ADDITION TO EDGEWOOD ESTATES
Legal Block	20
Legal Lot Number	103
Jurisdiction	LANE OR
Township / Civil Division	EUGENE-SPRINGFIELD
Census Block Group	2
Census Block	2006
Census Tract	5400

Owner

Source: Lane County records, as of May 21, 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 Record
Mailing Address	5265 SARATOGA ST, EUGENE, OR 97405-3587
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2026	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Jan 12, 2024	Warranty Deed, Transfer · VA Mortgage LOW VA RATES LLC
Jul 9, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2024 · Amount on Record
Deed Sale	Jan 12, 2024 · Amount on Record
Prior Sale	Jul 9, 2018 · Amount on Record
Deed Document Number	20241070
Prior Transfer Date	Jul 31, 2017
Prior Transfer Doc	0000037743
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Recording Date	Oct 16, 2026
Property Address	5265 SARATOGA ST, EUGENE, OR 97405-3587
Document Number	0000034564
Instrument Date	Oct 6, 2026
Instrument	202634564
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship, 164
Address	5265 SARATOGA ST, EUGENE, OR 97405-3587

Mortgage

Document Number	0000034564,
Date	Oct 16, 2026
Instrument	202634564

Lender

Name	BANNER BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 6, 2051

Interest

Max Rate	-1%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jan 12, 2024
Property Address	5265 SARATOGA ST, EUGENE, OR 97405-3587
Document Number	0000001070
Map Reference	MB 43 PG 24
Instrument Date	Jan 9, 2024
Instrument	2024-001070
Transaction Type	Transfer
Record Updated	Jan 18, 2024
Title Company	CASCADE TITLE COMPANY, CASCADE TITLE CO

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5265 SARATOGA ST, EUGENE, OR 97405-3587

Mortgage

Document Number	0000001071
Date	Jan 12, 2024
Instrument	2024-001071

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANE OR
Recording Date	Jul 9, 2018
Property Address	5265 SARATOGA ST, EUGENE, OR 97405-3587
Document Number	0000031924
Map Reference	MB43 PG24
Instrument Date	Jul 2, 2018
Instrument	2018-031924
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	FIDELITY NATIONAL TITLE

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 SARATOGA ST, EUGENE, OR 97405-3587

Mortgage

Document Number	0000031925
Date	Jul 9, 2018
Instrument	2018-031925

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANE OR
Recording Date	Aug 1, 2017
Property Address	5265 SARATOGA ST, EUGENE, OR 97405-3587
Document Number	0000037743
Instrument Date	Jul 31, 2017
Instrument	37743
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1136 MEREDITH AVE SAN JOSE CA 951253238, SAN JOSE, CA 95125-3238

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	$6,815.00 (+3.92%)	$349,782 (+6.09%)	$662,932 (-0.3%) Land $145,532 Building $517,400
2023	$6,558.00 (+4.01%)	$329,704 (+3%)	$664,895 (+13.75%) Land $112,947 Building $551,948
2022	$6,305.00	$320,101	$584,520 Land $114,638 Building $469,882

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 364 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	140 / 20

May also be available: AT&T.

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