535 E Main St, Cottage Grove, OR 97424 Property Records

Lane County property record for 535 E Main St, Cottage Grove, OR 97424

Property Summary

Property Type	Commercial
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Tax Bill	$5,581 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`20-03-28-34-00600-000`

Property Details

APN / Parcel Number

Primary APN	`20-03-28-34-00600-000`
Alternative APN	`0896454`

Exterior

Lot Area	2,614 sqft (0.06 acres)

Location & Zoning

Account Number	0896454
Street Address	535 E MAIN ST
City	COTTAGE GROVE
State	OR
Zip	97424-2037
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C2-CENTRAL BUSINESS
Legal Description	SEC/TWN/RNG/MER:SEC 28 TWN 20 RNG 03
Legal Range	03W
Legal Township	20S
Legal Section	28
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	WM SHIELDS ADD/COTTAGE GROVE
Legal Lot Number	600
Jurisdiction	LANE OR
Township / Civil Division	COTTAGE GROVE
Census Block Group	3
Census Block	3006
Census Tract	1202

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cottage Grove Downtown Commercial Historic District listed 1994 · 24 contributing resources · NRIS 93001568

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lane County records, as of October 27, 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
Co-owner	Co-owner on Record
Mailing Address	PO BOX 1527, COTTAGE GROVE, OR 97424-0063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
May 24, 2017	Intrafamily Transfer, Transfer · Commercial Mortgage BANNER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 24, 2017
Transfer Doc	0000024960
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	535 E MAIN ST, COTTAGE GROVE, OR 97424-2037
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 CASCADE DR, SCOTTSBURG, OR 97473

Mortgage

Document Number	0000058902
Date	Sep 9, 2021
Instrument	2021-058902

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Nov 1, 2050

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANE OR
Recording Date	May 24, 2017
Property Address	535 E MAIN ST, COTTAGE GROVE, OR 97424-2037
Document Number	0000024960
Instrument Date	May 22, 2017
Instrument	2017-024960
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1527, COTTAGE GROVE, OR 97424-0063

Mortgage

Document Number	0000024961
Date	May 24, 2017
Instrument	2017-024961

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	125 Months
Due	Oct 5, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Cottage Grove City
Unified School District	South Lane School District 45J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,581.00 (+4.91%) Additional exemption filed	$305,482 (+6.09%)	$564,585 (-) Land $67,995 Building $496,590
2023	$5,320.00 (+4.01%) Additional exemption filed	$287,947 (+3%)	$564,585 (+36%) Land $67,995 Building $496,590
2022	$5,115.00 Additional exemption filed	$279,561	$415,137 Land $49,997 Building $365,140

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 6 (20% premium discount)
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	Low lower than 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 COTTAGE GROVE serves 10,879 people · EPA ID OR4100236
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	8 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Hunter Communications Fixed Wireless · Fiber in parts of the area	200 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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