648 S Spruce St, Cannon Beach, OR 97110 Property Records

Clatsop County property record for 648 S Spruce St, Cannon Beach, OR 97110

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 480 sqft · built 1950
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$170,500 (Mar 2003)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51029BC01101`

Property Details

APN / Parcel Number

Primary APN	`51029BC01101`
Alternative APN	`5509`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	480 sqft Living Area
1st Floor Area	480 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1987
Architectural Style	Log Home
Exterior Material	Shingles
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Carport
Carport	Carport
Carport Area	120 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	64 sqft
Patio Area	104 sqft
Fence	Fence
Shed	1 Shed
Shed Area	50 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5509
Street Address	648 S SPRUCE ST
City	CANNON BEACH
State	OR
Zip	97110-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	ELK CREEK PARK FIRST ADD PT TR A
Legal Range	10
Legal Township	05
Legal Section	29
Legal Quarter	NW
Quarter-Quarter Section	SW
Legal Subdivision	ELK CREEK PARK FIRST ADD
Legal Tract	A
Jurisdiction	CLATSOP OR
Township / Civil Division	SEASIDE
Census Block Group	3
Census Block	3070
Census Tract	951100

Owner

Source: Clatsop County records, as of November 6, 2025

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	PO BOX 1280, CANNON BEACH, OR 97110-1280
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 9, 2019	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2003 · Amount on Record
Deed Sale	Mar 19, 2003 · Amount on Record
Deed Document Number	200303902
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLATSOP OR
Property Address	648 S SPRUCE ST, CANNON BEACH, OR 97110-3207
Transaction Type	Mortgage
Record Updated	Jul 6, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004807
Date	Jun 30, 2022
Instrument	202204807

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLATSOP OR
Property Address	648 S SPRUCE ST, CANNON BEACH, OR 97110-3207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005711
Date	Aug 9, 2019
Instrument	201905711

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Jun 28, 2039

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLATSOP OR
Property Address	648 S SPRUCE ST, CANNON BEACH, OR 97110-3207
Document Number	0000005685
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1280 CANNON BEACH OR 971101280, CANNON BEACH, OR 97110-1280

Mortgage

Document Number	0000005685
Date	Aug 9, 2019
Instrument	5685

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Clatsop County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Clatsop County
Municipality	Cannon Beach City
Unified School District	Seaside School District 10 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,328.00 (+12.03%)	$185,717 (+4.98%) Building $185,717	$560,469 (+4.59%) Land $374,752 Building $185,717
2023	$2,078.00 (+2.67%)	$176,905 (+3%)	$535,860 (+9.37%) Land $360,338 Building $175,522
2022	$2,024.00	$171,754	$489,930 Land $313,338 Building $176,592

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 September 23, 2018 · 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 141 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	174 units insured incl. 33 condo units
Nearby Flood Claims	17 (1981–2024)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Dec 2007 · 4 claims Severe Storms & Flooding, Jan 1990 · 2 claims

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	Direct burnable vegetation

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	CITY OF CANNON BEACH serves 1,710 people · EPA ID OR4100164
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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