Morrow County property record for 615 E Cowins St, Heppner, OR 97836
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,240 sqft · built 1962 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $207,000 (Jun 2026) |
| Tax Bill | $3,045 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02S2635CA-01800 |
| Primary APN | 02S2635CA-01800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Stucco |
| Roof Type | Shed Roof |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Detached |
| Garage Area | 132 sqft |
| Porch | Open Porch |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Account Number | 769 |
|---|---|
| Street Address | 615 E COWINS ST |
| City | HEPPNER |
| State | OR |
| Zip | 97836-6354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | PROPERTY:R769 |
| Legal Range | 26E |
| Legal Township | 02S |
| Legal Section | 35 |
| Legal Subdivision | KINSMANS ADDITION |
| Jurisdiction | MORROW OR |
| Township / Civil Division | HEPPNER |
| Census Block Group | 5 |
| Census Block | 5055 |
| Census Tract | 970200 |
Source: Morrow County records · APN 02S2635CA-01800
Assessment roll updated November 3, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 558, HEPPNER, OR 97836-0558 |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Jul 01, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BAYSHORE MORTGAGE FUNDING |
| Jun 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on Record |
| Deed Sale | Jun 16, 2026 · Amount on Record |
| Deed Document Number | 202658458 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORROW OR |
| Recording Date | Jul 01, 2026 |
| Property Address | 615 E COWINS ST, HEPPNER, OR 97836-6354 |
| Document Number | 0000058704 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202658704 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 615 E COWINS ST, HEPPNER, OR 97836-6354 |
| Document Number | 0000058704, |
|---|---|
| Date | Jul 01, 2026 |
| Instrument | 202658704 |
| Name | BAYSHORE MORTGAGE FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORROW OR |
| Recording Date | Jun 16, 2026 |
| Property Address | 615 E COWINS ST, HEPPNER, OR 97836-6354 |
| Document Number | 0000058458 |
| Instrument Date | Jun 02, 2026 |
| Instrument | 202658458 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Investor | Possibly a Property Investor |
| Document Number | 0000058459, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 202658459 |
| Name | BAYSHORE MORTGAGE FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000058460, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 202658460 |
| Name | BAYSHORE MORTGAGE FUNDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 20 Months |
| Due | Jul 01, 2046 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
Source: Morrow County records · Assessment roll updated November 3, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Morrow County |
| Municipality | Heppner City |
| Unified School District | Morrow School District 1 (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,045.00 (+15.34%) | $113,170 (+2.99%) | $201,533 (+0.57%) Land $39,090 Building $162,443 |
| 2024 | $2,640.00 (+2.92%) | $109,880 (+3%) | $200,393 (-6.18%) Land $39,090 Building $161,303 |
| 2023 | $2,565.00 (+6.34%) | $106,680 (+2.99%) | $213,600 (+21.19%) Land $35,540 Building $178,060 |
| 2022 | $2,412.00 | $103,580 | $176,250 Land $32,730 Building $143,520 |
Source: FEMA National Flood Hazard Layer as of December 18, 2007 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Moderate above 65% of the US · lower than 73% of Oregon |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blue Mountain Networks Fiber · Fixed Wireless | 2,000 / 2,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 234 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF HEPPNER serves 1,187 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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