531 W River St, Cave Junction, OR 97523 Property Records

Josephine County property record for 531 W River St, Cave Junction, OR 97523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,168 sqft · built 1977
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Oct 2021)
Tax Bill	$1,471 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-08-21-BA-000609`

Property Details

APN / Parcel Number

Primary APN	`39-08-21-BA-000609`
Alternative APN	`R330110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	1,168 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1978
Exterior Material	Other
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	R330110
Street Address	531 W RIVER ST
City	CAVE JUNCTION
State	OR
Zip	97523-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR; SINGLE FAM RES
Legal Description	WHITE SUB., LOT 9, ACRES 0.15
Legal Range	08
Legal Township	39
Legal Section	21
Legal Quarter	NW
Quarter-Quarter Section	NE
Legal Subdivision	WHITE SUB
Legal Lot Number	9
Jurisdiction	JOSEPHINE OR
Township / Civil Division	CAVE JUNCTION
Census Block Group	1
Census Block	1026
Census Tract	361601

Owner

Source: Josephine County records, as of November 13, 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 Record
Mailing Address	531 W RIVER ST, CAVE JUNCTION, OR 97523-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jan 4, 2019	Quit Claim Deed, Transfer LOWER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Jan 4, 2019
Deed Document Number	21-018152
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOSEPHINE OR
Recording Date	Oct 22, 2021
Property Address	531 W RIVER ST, CAVE JUNCTION, OR 97523-9504
Document Number	0000018152
Map Reference	VOL 8 PG 48
Instrument Date	Oct 20, 2021
Instrument	2021-018152
Transaction Type	Transfer
Record Updated	Nov 14, 2025
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF OR

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
Address	531 W RIVER ST, CAVE JUNCTION, OR 97523-9504

Mortgage

Document Number	0000018153
Date	Oct 22, 2021
Instrument	2021-018153

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

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

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JOSEPHINE OR
Recording Date	Jan 4, 2019
Property Address	531 W RIVER ST, CAVE JUNCTION, OR 97523-9504
Document Number	0000000133
Instrument Date	Dec 26, 2018
Instrument	133
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	AMERITITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	531 W RIVER ST CAVE JUNCTION OR 975239504, CAVE JUNCTION, OR 97523-9504

Mortgage

Document Number	134
Date	Jan 4, 2019
Instrument	134

Lender

Name	LOWER
Address	5950 SYMPHONY WOODS RD # 312, COLUMBIA, MD 21044-3404

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2049

Tax Assessment & Valuation

Source: Josephine County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Josephine County
Municipality	Cave Junction City
Unified School District	Three Rivers School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,471.00 (+3.01%)	$123,540 (+2.99%)	$191,470 (+13.46%) Land $36,230 Building $155,240
2024	$1,428.00 (+12.35%)	$119,950 (+3%)	$168,750 (-8.28%) Land $34,870 Building $133,880
2023	$1,271.00 (+0.47%)	$116,460 (+3%)	$183,980 (+3.55%) Land $45,120 Building $138,860
2022	$1,265.00	$113,070	$177,680 Land $36,230 Building $141,450

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 21, 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 Record median of 10 policies
Nearby Flood Policies	10 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	High above 85% of the US · above 60% of Oregon
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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	CITY OF CAVE JUNCTION serves 2,160 people · EPA ID OR4100971
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Hunter Communications, Ziply Fiber.

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