5495 Tree St, Lake Oswego, OR 97035 Property Records

Clackamas County property record for 5495 Tree St, Lake Oswego, OR 97035

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1967
Lot Size	0.246 acres (10,736 sqft)
Owner	2 Individual Names on File
Last Sale	$399,500 (Jul 2018)
Tax Bill	$5,871 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21E18DB05000`

Property Details

APN / Parcel Number

Primary APN	`21E18DB05000`
Alternative APN	`00342454`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Wood Shingle
Lot Area	10,736 sqft
Garage Type	Attached
Garage Area	50 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	00342454
Street Address	5495 TREE ST
City	LAKE OSWEGO
State	OR
Zip	97035-7054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	1121 PINE TREE ADD LT 1 BLK 1
Legal Range	01E
Legal Township	02S
Legal Section	18
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	PINE TREE ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	3
Census Block	3001
Census Tract	20401

Owner

5495 Tree St is owned and occupied by two individuals who bought it in July 2018.

Source: Clackamas County records, as of November 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5495 TREE ST, LAKE OSWEGO, OR 97035-7054
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
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTREET BANK
Jul 13, 2018	Warranty Deed, Transfer · Conventional Mortgage WMS SERIES
Oct 27, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Document Number	2018-043473
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	5495 TREE ST, LAKE OSWEGO, OR 97035-7054
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090039
Date	Oct 28, 2020
Instrument	2020-090039

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Jul 13, 2018
Property Address	5495 TREE ST, LAKE OSWEGO, OR 97035-7054
Document Number	0000043473
Instrument Date	Jul 10, 2018
Instrument	43473
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	FIDELITY NATIONAL TITLE-OR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5495 TREE ST LAKE OSWEGO OR 970357054, LAKE OSWEGO, OR 97035-7054

Mortgage

Document Number	43474
Date	Jul 13, 2018
Instrument	43474

Lender

Name	WMS SERIES
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Oct 27, 2017
Property Address	5495 TREE ST, LAKE OSWEGO, OR 97035-7054
Document Number	0000073470
Instrument Date	Oct 6, 2017
Instrument	73470
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$399.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23145 SE WUNDERLI CANYON RD SHERWOOD OR 97140, SHERWOOD, OR 97140

Tax Assessment & Valuation

The 2025 property tax bill for 5495 Tree St was $5,871.

Source: Clackamas County assessment roll, as of September 30, 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	$5,871.00	$305,747	$676,575 Land $411,895 Building $264,680
2023	$5,547.00	$288,197	$653,934 Land $396,094 Building $257,840

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

Flood

FEMA maps place 5495 Tree St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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	2 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Feb 1996 · High Winds, Severe Storms And Flooding

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 5495 Tree St 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 98% of the US · lower than 99.5% of Oregon
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	RIVERGROVE WATER DISTRICT serves 4,000 people · EPA ID OR4100461
Water Source	Groundwater
Last State Inspection	Nov 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	26 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 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, T-Mobile.

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