540 N Gale St, Heppner, OR 97836 Property Records

Morrow County property record for 540 N Gale St, Heppner, OR 97836

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,126 sqft · built 1893
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (May 2021)
Tax Bill	$2,555 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`02S2626CC-08000`

Property Details

APN / Parcel Number

Primary APN	`02S2626CC-08000`
Alternative APN	`103`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,126 sqft Living Area
1st Floor Area	818 sqft
Interior Walls	Concrete

Exterior

Year Built	Built 1893
Exterior Material	Wood Siding
Foundation Type	Pier/Post & Beam
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Patio Area	120 sqft
Shed	1 Shed
Shed Area	100 sqft

Location & Zoning

Account Number	103
Street Address	540 N GALE ST
City	HEPPNER
State	OR
Zip	97836-2024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2; RESIDENTIAL
Legal Description	PROPERTY:R103
Legal Range	26E
Legal Township	02S
Legal Section	26
Legal Quarter	SW
Quarter-Quarter Section	SW
Jurisdiction	MORROW OR
Township / Civil Division	HEPPNER
Census Block Group	4
Census Block	4025
Census Tract	970200

Owner

540 N Gale St is owned by an individual who bought it in May 2021.

Source: Morrow County records, as of November 21, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 793, HEPPNER, OR 97836-0793
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2021 · Amount on File
Deed Sale	May 20, 2021 · Amount on File
Prior Sale	Jun 23, 2011 · Amount on File
Deed Document Number	2021-48860
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OR
Recording Date	May 20, 2021
Property Address	540 N GALE ST, HEPPNER, OR 97836-2024
Document Number	202148860
Instrument Date	May 18, 2021
Instrument	2021-48860
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	AMERITITLE

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
Relationship	Tenants by the Entirety
Address	PO BOX 793, HEPPNER, OR 97836-0793

Mortgage

Document Number	202148861
Date	May 20, 2021
Instrument	2021-48861

Lender

Name	BANNER BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 540 N Gale St was $2,555, up 13.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Morrow County
Municipality	Heppner City
Unified School District	Morrow School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,555.00 (+13.71%)	$94,960 (+1.53%)	$185,910 (+2.44%) Land $39,090 Building $146,820
2024	$2,247.00 (+16.24%)	$93,530 (+3%)	$181,480 (+32.82%) Land $39,090 Building $142,390
2023	$1,933.00 (+0.26%)	$90,810 (+2.99%)	$136,640 (-0.63%) Land $35,540 Building $101,100
2022	$1,928.00	$88,170	$137,510 Land $32,730 Building $104,780

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

Flood

FEMA maps place 540 N Gale St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 18, 2007 · 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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2012–2016)
Most Recent Claim	Oct 2016 · other causes

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 540 N Gale St is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · lower than 73% of Oregon
Wildfire Likelihood	0.2% 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 HEPPNER serves 1,187 people · EPA ID OR4100369
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 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	1 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Mountain Net Fiber · Fixed Wireless	2,000 / 2,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20