6405 Prather Rd, Independence, OR 97351 Property Records

Polk County property record for 6405 Prather Rd, Independence, OR 97351

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 1.5 ba · 2,468 sqft · built 1976
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,900 (Feb 2015)
Tax Bill	$4,370 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09422-00-00507`

Property Details

APN / Parcel Number

Primary APN	`09422-00-00507`
Alternative APN	`212881`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,468 sqft Gross Area
1st Floor Area	1,778 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,799 sqft (0.73 acres)
Garage Area	690 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Patio Area	220 sqft
Shed	1 Shed
Shed Area	144 sqft
Utility Building	1,152 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	212881
Street Address	6405 PRATHER RD
City	INDEPENDENCE
State	OR
Zip	97351-9716
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Local Zoning Code	SR
Legal Description	ONE STORY
Legal Range	4W
Legal Township	09S
Legal Section	22
Legal Block	2
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	2
Census Block	2024
Census Tract	20306

Owner

Source: Polk County records, as of May 21, 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	6405 PRATHER RD, INDEPENDENCE, OR 97351-9716
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 24, 2018	Deed of Trust, Mortgage · Commercial Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2015 · Amount on Record
Deed Sale	Feb 6, 2015 · Amount on Record
Deed Document Number	20151131
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	6405 PRATHER RD, INDEPENDENCE, OR 97351-9716
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 PRATHER RD, INDEPENDENCE, OR 97351-9716

Mortgage

Document Number	0000000115
Date	Jan 5, 2022
Instrument	2022-000115

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	6405 PRATHER RD, INDEPENDENCE, OR 97351-9716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008619
Date	Jul 24, 2018
Instrument	2018-008619

Lender

Name	UMPQUA BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$346,510 (+3%) Land $82,560 Building $263,950	$578,190 (+2.35%) Land $185,000 Building $393,190
2025	$4,370.00 (+4.12%)	$336,420 (+3%) Land $80,160 Building $256,260	$564,930 (-10.92%) Land $183,550 Building $381,380
2024	$4,197.00 (-6.02%)	$326,630 (+3%) Land $77,830 Building $248,800	$634,190 (+5.28%) Land $202,400 Building $431,790
2023	$4,466.00 (+13.87%)	$317,120 (+3%) Land $75,570 Building $241,550	$602,370 (+1.54%) Land $193,700 Building $408,670
2022	$3,922.00	$307,890 Land $73,360 Building $234,530	$593,260 Land $179,700 Building $413,560

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 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
Flood Insurance Cost	Premium on Record median of 43 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	43 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LUCKIAMUTE DOMESTIC WATER COOP private · serves 2,738 people · EPA ID OR4100538
Water Source	Purchased surface water from CITY OF FALLS CITY
Last State Inspection	Oct 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	55 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Peak Internet Fixed Wireless	400 / 50

May also be available: Hunter Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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