643 4th St, Lake Oswego, OR 97034 Property Records

Clackamas County property record for 643 4th St, Lake Oswego, OR 97034

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,453 sqft · built 1946
Lot Size	0.138 acres (5,993 sqft)
Owner	Individual Name on Record
Last Sale	$925,000 (Jan 2023)
Tax Bill	$6,195 (2025)
Deeds & Mortgages	Jan 2023 Sale Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21E03DB10500`

Property Details

APN / Parcel Number

Primary APN	`21E03DB10500`
Alternative APN	`00195997`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,453 sqft Living Area
Basement Area	714 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,993 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	00195997
Street Address	643 4TH ST
City	LAKE OSWEGO
State	OR
Zip	97034-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	29 1ST ADD TO OSWEGO LT 12 BLK 27
Legal Range	1E
Legal Township	2S
Legal Section	03
Legal Subdivision	1ST ADD TO OSWEGO
Legal Block	27
Legal Lot Number	12
Jurisdiction	CLACKAMAS OR
Township / Civil Division	NORTHWEST CLACKAMAS
Census Block Group	1
Census Block	1007
Census Tract	20102

Owner

Source: Clackamas County records, as of May 20, 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 Record
Mailing Address	643 4TH ST, LAKE OSWEGO, OR 97034-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Warranty Deed, Transfer WFG TITLE
Dec 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage PIONEER TRUST BANK NA
May 5, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Prior Sale	May 5, 2017 · Amount on Record
Deed Document Number	202369
Prior Transfer Date	Jun 13, 2006
Prior Transfer Doc	0000057961
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	Jan 3, 2023
Property Address	643 4TH ST, LAKE OSWEGO, OR 97034-2301
Document Number	0000000069
Instrument Date	Jan 3, 2022
Instrument	2023-000069
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	WFG TITLE

Transaction

Amount	Amount Recorded
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	643 4TH ST, LAKE OSWEGO, OR 97034-2301

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLACKAMAS OR
Property Address	643 4TH ST, LAKE OSWEGO, OR 97034-2301
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 A AVE 200, 200, LAKE OSWEGO, OR 97034-4170

Mortgage

Document Number	0000107278
Date	Dec 9, 2021
Instrument	2021-107278

Lender

Name	PIONEER TRUST BANK NA
Type	Bank
Address	SALEM, OR 97308

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jan 15, 2027

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLACKAMAS OR
Recording Date	May 5, 2017
Property Address	643 4TH ST, LAKE OSWEGO, OR 97034-2301
Document Number	0000030328
Instrument Date	Apr 27, 2017
Instrument	2017-030328
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	TICOR TITLE

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	220 A AVE # 220, 220, LAKE OSWEGO, OR 97034-3195

Mortgage

Document Number	0000030329
Date	May 5, 2017
Instrument	2017-030329

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Clackamas County assessment roll, as of October 29, 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	$6,195.00 (+5.84%)	$323,333 (+6.09%)	$896,882 (+8.5%) Land $501,982 Building $394,900
2023	$5,853.00	$304,773	$826,656 Land $459,776 Building $366,880

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 April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	LAKE OSWEGO MUNICIPAL WATER serves 40,000 people · EPA ID OR4100457
Water Source	Purchased surface water from LAKE OSWEGO - TIGARD WATER SUPPLY
Last State Inspection	Oct 2025
Lead	2 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	2 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 625 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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