Douglas County property record for 643 Front St, Gardiner, OR 97441 · Last verified June 2026
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 1 ba · 2,200 sqft · built 1960 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $266,500 (Jul 2023) |
| Tax Bill | $1,559 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 21-12W-22DB-05100 |
| Primary APN | 21-12W-22DB-05100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,200 sqft Living Area |
| Gross Area | 3,300 sqft |
| 1st Floor Area | 1,100 sqft |
| Basement Area | 1,100 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Multi-Family |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 1,100 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Account Number | 20044.02 |
|---|---|
| Street Address | 643 FRONT ST |
| City | GARDINER |
| State | OR |
| Zip | 97441-0060 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | GARDINER, BLOCK 6, LOT 2 & PT 1, ACRES 0.13 |
| Legal Subdivision | GARDINER |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Jurisdiction | DOUGLAS OR |
| Township / Civil Division | REEDSPORT |
| Census Block Group | 1 |
| Census Block | 1206 |
| Census Tract | 10000 |
Source: Douglas County records · APN 21-12W-22DB-05100
Assessment roll updated November 19, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 643 FRONT ST, GARDINER, OR 97441-0060 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Oct 26, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jul 31, 2023 | Personal Representative Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Jun 06, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on Record |
| Deed Sale | Jul 31, 2023 · Amount on Record |
| Deed Document Number | 20238282 |
| Prior Transfer Date | Sep 19, 2006 |
| Prior Transfer Doc | 0000022974 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS OR |
| Property Address | 643 FRONT ST, GARDINER, OR 97441-0060 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2023 |
| Title Company | WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO |
| Name | Verified Name |
|---|---|
| Address | 12795 VILLAGE LOOP RD, SWISSHOME, OR 97480 |
| Document Number | 0000011712 |
|---|---|
| Date | Oct 26, 2023 |
| Instrument | 2023-011712 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 01, 2053 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | DOUGLAS OR |
| Recording Date | Jul 31, 2023 |
| Property Address | 643 FRONT ST, GARDINER, OR 97441-0060 |
| Document Number | 0000008282 |
| Instrument Date | Jul 20, 2023 |
| Instrument | 2023-008282 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2023 |
| Title Company | WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 |
| Address | 643 FRONT ST, GARDINER, OR 97441-0060 |
| Document Number | 0000008283 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2023-008283 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DOUGLAS OR |
| Property Address | 643 FRONT ST, GARDINER, OR 97441-0060 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009560 |
|---|---|
| Date | Jun 06, 2017 |
| Instrument | 2017-009560 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2047 |
Source: Douglas County records · Assessment roll updated November 19, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Douglas County |
| Unified School District | Reedsport School District 105 (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,559.00 (+2.9%) | $96,507 (+3%) | $213,871 (+6.83%) Land $97,404 Building $116,467 |
| 2024 | $1,515.00 (+2.85%) | $93,697 (+3%) | $200,192 (+63.24%) Land $91,174 Building $109,018 |
| 2023 | $1,473.00 (+3.01%) | $90,968 (+6.09%) | $122,635 (-11.48%) Land $56,630 Building $66,005 |
| 2022 | $1,430.00 | $85,747 | $138,536 Land $63,992 Building $74,544 |
Source: FEMA National Flood Hazard Layer, Douglas County (41019C), updated March 23, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 410190100001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 36 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 36 in force |
| Nearby Flood Claims | 17 (1996–2012) |
| Claims Outside the SFHA | 6 of 17 |
| Most Recent Claim | Jan 2012, river or lake flooding, Severe Winter Storm, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 6% of Oregon |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| 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: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Gardiner Historic District listed 1994 · 33 contributing resources · NRIS 93000003 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 88 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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