5320 Lower Dr, Lake Oswego, OR 97035 Property Records

Clackamas County property record for 5320 Lower Dr, Lake Oswego, OR 97035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,063 sqft · built 2004
Lot Size	0.148 acres (6,427 sqft)
Owner	Individual Name on File
Tax Bill	$8,461 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21E18AB02101`

Property Details

APN / Parcel Number

Primary APN	`21E18AB02101`
Alternative APN	`05008916`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,063 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	6,427 sqft (0.148 acres)

Location & Zoning

Account Number	05008916
Street Address	5320 LOWER DR
City	LAKE OSWEGO
State	OR
Zip	97035-5323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	PARTITION PLAT 2004-025 PARCEL 2
Legal Range	1E
Legal Township	2S
Legal Section	18
Legal Subdivision	PARTITION 2004-025
Legal Lot Number	2
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	2
Census Block	2008
Census Tract	20401

Owner

5320 Lower Dr is owned and occupied by an individual who acquired it in March 2007.

Source: Clackamas County records, as of June 4, 2026

Owner of Record	Individual Name on File
Mailing Address	5320 LOWER DR, LAKE OSWEGO, OR 97035-5323
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Bargain and Sale Deed, Transfer · Line of Credit QUORUM FEDERAL CU
Sep 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK
Nov 1, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2007
Deed Sale	Mar 19, 2007
Prior Sale	Apr 8, 2005 · Amount on File
Deed Document Number	200723405
Record Updated	Oct 29, 2026

December 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Dec 16, 2021
Property Address	5320 LOWER DR, LAKE OSWEGO, OR 97035-5323
Document Number	0000108892
Instrument Date	Dec 15, 2021
Instrument	2021-108892
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2461, OREGON CITY, OR 97045-0211

Mortgage

Document Number	0000108883
Date	Dec 16, 2021
Instrument	2021-108883

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	5320 LOWER DR, LAKE OSWEGO, OR 97035-5323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060382
Date	Sep 5, 2017
Instrument	2017-060382

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2037

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	5320 LOWER DR, LAKE OSWEGO, OR 97035-5323
Document Number	0000068545
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5320 LOWER DR LAKE OSWEGO OR 970355323, LAKE OSWEGO, OR 97035-5323

Mortgage

Document Number	0000068545
Date	Nov 9, 2018
Instrument	68545

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5320 Lower Dr was $8,461.

Source: Clackamas County assessment roll, as of October 29, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Clackamas County
Municipality	Lake Oswego City
Unified School District	Lake Oswego School District 7J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,461.00	$440,591	$796,223 Land $277,323 Building $518,900
2023	$7,993.00	$415,300	$771,849 Land $266,259 Building $505,590

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

Flood

FEMA maps place 5320 Lower Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 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
Community Rating System	Class 10 (0% 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

Wildfire risk around 5320 Lower Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 99.1% of Oregon
Wildfire Likelihood	Under 0.01% 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	LAKE OSWEGO MUNICIPAL WATER serves 40,000 people · EPA ID OR4100457
Water Source	Purchased surface water from LAKE OSWEGO - TIGARD WATER SUPPLY
Last State Inspection	Oct 2025
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 433 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile, Ziply Fiber.

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