540 Spruce Ct, Creswell, OR 97426 Property Records

Lane County property record for 540 Spruce Ct, Creswell, OR 97426

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1996
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Jul 2024)
Tax Bill	$3,460 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-03-15-11-02600-000`

Property Details

APN / Parcel Number

Primary APN	`19-03-15-11-02600-000`
Alternative APNs	`1903151102600` `1584745`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,272 sqft Living Area
Gross Area	1,760 sqft
1st Floor Area	1,272 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	488 sqft
Driveway	Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1584745
Street Address	540 SPRUCE CT
City	CRESWELL
State	OR
Zip	97426-9589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	PLAT SPRUCE COURT SUB 3
Legal Range	03
Legal Township	19
Legal Section	15
Legal Subdivision	SPRUCE COURT SUB
Legal Block	2
Legal Lot Number	3
Jurisdiction	LANE OR
Township / Civil Division	CRESWELL
Census Block Group	2
Census Block	2002
Census Tract	1101

Owner

540 Spruce Ct is owned and occupied by two individuals who bought it in July 2024.

Source: Lane County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	540 SPRUCE CT, CRESWELL, OR 97426-9589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 28, 2023	Deed of Trust, Mortgage · Line of Credit SELCO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2024 · Amount on File
Deed Sale	Jul 31, 2024 · Amount on File
Prior Sale	Aug 28, 2009 · Amount on File
Deed Document Number	202421962
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	540 SPRUCE CT, CRESWELL, OR 97426-9589
Transaction Type	Mortgage
Record Updated	Apr 8, 2026
Title Company	CASCADE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 SPRUCE CT, CRESWELL, OR 97426-9589

Mortgage

Document Number	0000009928
Date	Mar 31, 2026
Instrument	2026-009928

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	540 SPRUCE CT, CRESWELL, OR 97426-9589
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 SPRUCE CT, CRESWELL, OR 97426-9589

Mortgage

Document Number	0000024958
Date	Aug 28, 2023
Instrument	2023-024958

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 540 Spruce Ct was $3,460.

Source: Lane County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Municipality	Creswell City
Unified School District	Creswell School District 40 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,460.00	$210,853	$393,491 Land $73,768 Building $319,723
2023	$2,898.00 (+3.98%)	$198,750 (+3%)	$374,052 (+2.37%) Land $79,736 Building $294,316
2022	$2,787.00	$192,962	$365,410 Land $71,367 Building $294,043

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 540 Spruce Ct in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
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 540 Spruce Ct is low, with a 0.02% annual chance of 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	0.02% 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 CRESWELL serves 5,585 people · EPA ID OR4100246
Water Source	Surface water
Last State Inspection	Jun 2021
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DFN Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hunter Communications.

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