633 Cedar St, Independence, OR 97351 Property Records

Polk County property record for 633 Cedar St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,332 sqft · built 1997
Lot Size	0.125 acres (5,439 sqft)
Owner	2 Individual Names on Record
Last Sale	$437,000 (Jul 2026)
Tax Bill	$3,506 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08429-DA-04000`

Property Details

APN / Parcel Number

Primary APN	`08429-DA-04000`
Alternative APN	`537265`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
Gross Area	1,792 sqft
1st Floor Area	1,332 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Plywood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,439 sqft (0.125 acres)
Garage Area	460 sqft
Parking Spaces	4 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	537265
Street Address	633 CEDAR ST
City	INDEPENDENCE
State	OR
Zip	97351-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	MOUNTAIN FIR ESTATES LOT 26
Legal Range	4W
Legal Township	08S
Legal Section	29
Legal Subdivision	MOUNTAIN FIR ESTATES
Legal Block	4
Legal Lot Number	26
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	4
Census Block	4009
Census Tract	20305

Owner

Source: Polk County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 22, 2023	Personal Representative Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HOMESTREET BANK
Feb 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Nov 22, 2016
Deed Document Number	20266136
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Jul 31, 2026
Property Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601
Document Number	0000006136
Instrument Date	Jul 29, 2026
Instrument	20266136
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	AMERITITLE

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
Relationship	Tenants by the Entirety
Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601

Mortgage

Document Number	0000006137,
Date	Jul 31, 2026
Instrument	20266137

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	POLK OR
Recording Date	Sep 22, 2023
Property Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601
Document Number	0000007217
Map Reference	VOL 11 PG 5
Instrument Date	Sep 20, 2023
Instrument	2023-007217
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	AMERITITLE

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
Address	535 N ROSEMARY LN, BURBANK, CA 91505-3256

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601

Mortgage

Document Number	0000007218
Date	Sep 22, 2023
Instrument	2023-007218

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012591
Date	Oct 20, 2017
Instrument	2017-012591

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001847
Date	Feb 25, 2019
Instrument	2019-001847

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	633 CEDAR ST, INDEPENDENCE, OR 97351-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009719
Date	Jul 14, 2020
Instrument	2020-009719

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,030 (+3%) Land $45,700 Building $153,330	$381,660 (-0.12%) Land $158,700 Building $222,960
2025	$3,506.00 (+3.79%)	$193,240 (+3%) Land $44,360 Building $148,880	$382,130 (+2.18%) Land $150,600 Building $231,530
2024	$3,378.00 (-2.51%)	$187,620 (+3%) Land $43,070 Building $144,550	$373,960 (+4.09%) Land $148,000 Building $225,960
2023	$3,465.00 (+8.96%)	$182,160 (+3%) Land $41,810 Building $140,350	$359,250 (+14.22%) Land $141,500 Building $217,750
2022	$3,180.00	$176,860 Land $40,590 Building $136,270	$314,520 Land $116,000 Building $198,520

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

Source: FEMA National Flood Hazard Layer, effective October 28, 2021 · 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	2 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

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	0.01% 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	INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399
Water Source	Groundwater
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) action level 15 ppb
Copper	1.45 mg/L (2021–2023) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Willamette Valley Fiber Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Hunter Communications.

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