539 James St, Talent, OR 97540 Property Records

Jackson County property record for 539 James St, Talent, OR 97540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,018 sqft · built 1991
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Aug 2022)
Tax Bill	$2,819 (2025)
Deeds & Mortgages	Feb 2023 Transfer Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`381W26BD154`

Property Details

APN / Parcel Number

Primary APN	`381W26BD154`
Alternative APNs	`381W26BD00154` `10805186`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,018 sqft Living Area
Gross Area	1,338 sqft
1st Floor Area	1,018 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1993
Exterior Material	Concrete
Roof Material	Other
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Covered Concrete/Masonry Porch
Porch Area	132 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	539 JAMES ST
City	TALENT
State	OR
Zip	97540-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-7
Legal Range	01W
Legal Township	38S
Legal Section	26
Legal Quarter	2
Legal Subdivision	LOUIS J SUBDIVISION UNIT #2
Legal Block	1
Legal Lot Number	55
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1020
Census Tract	1702

Owner

539 James St is owned and occupied by an individual who bought it in August 2022.

Source: Jackson County records, as of October 21, 2026

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

Owner of Record	Individual Name on File
Mailing Address	539 JAMES ST, TALENT, OR 97540-9765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Apr 3, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Oct 29, 2020 · Amount on File
Deed Document Number	202223980
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON OR
Recording Date	Feb 17, 2023
Property Address	539 JAMES ST, TALENT, OR 97540-9765
Document Number	0000003101
Map Reference	VOL 16 PG 115
Instrument Date	Feb 16, 2023
Instrument	2023-003101
Transaction Type	Transfer
Record Updated	Feb 24, 2023
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
Relationship	Right of Survivorship
Address	539 JAMES ST, TALENT, OR 97540-9765
Investor	Possibly a Property Investor

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Aug 1, 2022
Property Address	539 JAMES ST, TALENT, OR 97540-9765
Document Number	0000023980
Map Reference	VOL 16 PG 115
Instrument Date	Jul 28, 2022
Instrument	2022-023980
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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	539 JAMES ST, TALENT, OR 97540-9765

Mortgage

Document Number	0000023981
Date	Aug 1, 2022
Instrument	2022-023981

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Apr 3, 2019
Property Address	539 JAMES ST, TALENT, OR 97540-9765
Document Number	0000008688
Map Reference	VOL 16 PG 115
Instrument Date	Apr 1, 2019
Instrument	2019-008688
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	TICOR TITLE

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1575 GREEN MEADOWS WAY, ASHLAND, OR 97520-3600

Mortgage

Document Number	0000008689
Date	Apr 3, 2019
Instrument	2019-008689

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 539 James St was $2,819, up 2.4% from the year before.

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Talent City
Unified School District	Phoenix-Talent School District 4 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$181,350 (+3%)	$319,120 (-4.52%) Land $143,640 Building $175,480
2025	$2,819.00 (+2.43%)	$176,070 (+3%) Land $66,610 Building $109,460	$334,210 (+10.37%) Land $143,000 Building $191,210
2024	$2,752.00 (+3.23%)	$170,950 (+2.99%) Land $64,670 Building $106,280	$302,800 (+3.98%) Land $137,000 Building $165,800
2023	$2,666.00 (+2.74%)	$165,980 (+3%) Land $62,790 Building $103,190	$291,210 (-1.91%) Land $127,870 Building $163,340
2022	$2,595.00	$161,150 Land $60,960 Building $100,190	$296,870 Land $131,480 Building $165,390

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

FEMA maps place 539 James St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 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 7 (15% premium discount)
Nearby Flood Policies	3 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 539 James St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Oregon
Wildfire Likelihood	0.1% 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 TALENT serves 6,293 people · EPA ID OR4100857
Water Source	Purchased surface water from MEDFORD WATER COMMISSION
Last State Inspection	Nov 2021
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30

May also be available: AT&T, CenturyLink, Hunter Communications, T-Mobile.

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