5578 Luce Ln, Lake Oswego, OR 97035 Property Records

Clackamas County property record for 5578 Luce Ln, Lake Oswego, OR 97035

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,032 sqft · built 2017
Lot Size	0.172 acres (7,510 sqft)
Owner	Trust Name on Record
Tax Bill	$11,848 (2025)
Deeds & Mortgages	Nov 2021 Sale & Line of Credit Feb 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21E18CD02808`

Property Details

APN / Parcel Number

Primary APN	`21E18CD02808`
Alternative APN	`05022994`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,032 sqft Living Area

Exterior

Year Built	Built 2017
Lot Area	7,510 sqft

Location & Zoning

Account Number	05022994
Street Address	5578 LUCE LN
City	LAKE OSWEGO
State	OR
Zip	97035-1969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION GROVE PARK 4297 LT 8
Legal Range	01E
Legal Township	02S
Legal Section	18
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	GROVE PARK
Legal Lot Number	8
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	3
Census Block	3020
Census Tract	20401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	5578 LUCE LN, LAKE OSWEGO, OR 97035-1969
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Warranty Deed, Transfer · Line of Credit ONPOINT COMMUNITY CU
Feb 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANNER BANK
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage ONPOINT COMMUNITY CU
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONPOINT COMMUNITY CU
Sep 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 2, 2017	Loan Modification, Mortgage BANNER BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 24, 2020
Transfer Doc	0000078881
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Nov 3, 2021
Property Address	5578 LUCE LN, LAKE OSWEGO, OR 97035-1969
Document Number	0000098296
Instrument Date	Oct 8, 2021
Instrument	2021-098296
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
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	1293 TIMBERLINE DR, LAKE OSWEGO, OR 97034-1519

Mortgage

Document Number	0000098401
Date	Nov 3, 2021
Instrument	2021-098401

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	5578 LUCE LN, LAKE OSWEGO, OR 97035-1969
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011433
Date	Feb 17, 2017
Instrument	2017-011433

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Dec 1, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	5578 LUCE LN, LAKE OSWEGO, OR 97035-1969
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052183
Date	Aug 30, 2019
Instrument	2019-052183

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	5578 LUCE LN, LAKE OSWEGO, OR 97035-1969
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FG TITLE WFG TITLE CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037747
Date	May 26, 2020
Instrument	2020-037747

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Sep 24, 2020
Property Address	5578 LUCE LN, LAKE OSWEGO, OR 97035-1969
Document Number	0000078881
Instrument Date	Sep 18, 2020
Instrument	78881
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5578 LUCE LN LAKE OSWEGO OR 970351969, LAKE OSWEGO, OR 97035-1969

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLACKAMAS OR
Property Address	5578 LUCE LN, LAKE OSWEGO, OR 97035-1969
Document Number	0000084895
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5578 LUCE LN LAKE OSWEGO OR 970351969, LAKE OSWEGO, OR 97035-1969

Mortgage

Document Number	0000084895
Date	Dec 18, 2017
Instrument	84895

Lender

Name	BANNER BK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2047

Tax Assessment & Valuation

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	$11,848.00 (+5.85%)	$616,955 (+6.09%)	$1,180,860 (+2.95%) Land $543,980 Building $636,880
2023	$11,193.00	$581,540	$1,147,057 Land $522,167 Building $624,890

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 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

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

Wildfire Risk	Not rated no burnable land 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	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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