645 Ash St, Monroe, OR 97456 Property Records

Benton County property record for 645 Ash St, Monroe, OR 97456

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,056 sqft · built 2019
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Feb 2018)
Tax Bill	$4,590 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2018 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14528DC02000`

Property Details

APN / Parcel Number

Primary APN	`14528DC02000`
Alternative APN	`201198`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,056 sqft Living Area
Gross Area	2,584 sqft
1st Floor Area	2,056 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Roof Type	Gable
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	201198
Street Address	645 ASH ST
City	MONROE
State	OR
Zip	97456-9403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GRA
Legal Description	PACIFIC LOT 1 THRU 12 BLK 29
Legal Range	5W
Legal Township	14S
Legal Section	28
Legal Subdivision	PACIFIC
Legal Block	29
Legal Lot Number	1-12
Jurisdiction	BENTON OR
Township / Civil Division	SOUTHEAST BENTON
Census Block Group	4
Census Block	4038
Census Tract	10400

Owner

Source: Benton 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	645 ASH ST, MONROE, OR 97456-9403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Nov 28, 2018	Trustee's Deed, Construction Loan · Construction Mortgage UMPQUA BK
Feb 26, 2018	Grant Deed, Transfer
Feb 26, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Deed Document Number	2018567438
Prior Transfer Date	Jan 29, 2004
Prior Transfer Doc	0000361293
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON OR
Property Address	645 ASH ST, MONROE, OR 97456-9403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604771
Date	Dec 14, 2020
Instrument	2020-604771

Lender

Name	UMPQUA BANK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BENTON OR
Recording Date	Nov 28, 2018
Property Address	645 ASH ST, MONROE, OR 97456-9403
Instrument Date	Nov 23, 2018
Instrument	576892
Transaction Type	Construction Loan
Record Updated	Dec 6, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	645 ASH ST MONROE OR 974569403, MONROE, OR 97456-9403

Mortgage

Document Number	0000576892
Date	Nov 28, 2018
Instrument	576892

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BENTON OR
Recording Date	Feb 26, 2018
Property Address	645 ASH ST, MONROE, OR 97456-9403
Document Number	0000567438
Instrument Date	Feb 21, 2018
Instrument	567438
Transaction Type	Transfer
Record Updated	Mar 8, 2018

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	693 ASH ST MONROE OR 974569403, MONROE, OR 97456-9403

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BENTON OR
Recording Date	Feb 26, 2018
Property Address	645 ASH ST, MONROE, OR 97456-9403
Document Number	0000567437
Instrument Date	Aug 18, 2017
Instrument	567437
Transaction Type	Transfer
Record Updated	Mar 8, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ASH ST

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oregon
County	Benton County
Municipality	Monroe City
Unified School District	Monroe School District 1J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,590.00 (+2.27%)	$247,428 (+3%)	$610,780 (+4.49%) Land $232,730 Building $378,050
2024	$4,488.00 (+2.77%)	$240,221 (+3%)	$584,540 (+4.28%) Land $228,730 Building $355,810
2023	$4,367.00 (+2.68%)	$233,224 (+3%)	$560,570 (+30.67%) Land $228,730 Building $331,840
2022	$4,253.00	$226,431
2002			$429,010 Land $139,000 Building $290,010

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 April 28, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hunter Communications Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20
Monroe Telephone Company DSL · Fiber in parts of the area	100 / 20
Alyrica Fixed Wireless	65 / 10

May also be available: Peak Internet, Verizon.

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