Clatsop County property record for 654 D St, Gearhart, OR 97138
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 984 sqft · built 1948 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $311,000 (Nov 2018) |
| Tax Bill | $2,436 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 61010BC02400 |
| Primary APN | 61010BC02400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 984 sqft Living Area |
| Gross Area | 1,376 sqft |
| 1st Floor Area | 984 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Shingles |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 170 sqft |
| Patio Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 9522 |
|---|---|
| Street Address | 654 D ST |
| City | GEARHART |
| State | OR |
| Zip | 97138-4013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GEARHART PARK LT 9 BLK 9 |
| Legal Range | 10 |
| Legal Township | 06 |
| Legal Section | 10 |
| Legal Quarter | NW |
| Quarter-Quarter Section | SW |
| Legal Subdivision | GEARHART PARK |
| Legal Block | 9 |
| Legal Lot Number | 9 |
| Jurisdiction | CLATSOP OR |
| Township / Civil Division | ASTORIA |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 950700 |
Source: Clatsop County assessment roll, as of September 30, 2025
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 | 307 TURNER ST NE, OLYMPIA, WA 98506-4660 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HM LNDG INC |
| Nov 16, 2018 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2018 · Amount on Record |
| Deed Sale | Nov 16, 2018 · Amount on Record |
| Deed Document Number | 201808870 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLATSOP OR |
| Property Address | 654 D ST, GEARHART, OR 97138-4013 |
| Document Number | 0000000095 |
| Instrument Date | Dec 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 654 D ST SEASIDE OR 971384013, SEASIDE, OR 97138-4013 |
| Document Number | 0000000095 |
|---|---|
| Date | Jan 6, 2021 |
| Instrument | 95 |
| Name | MILLENNIAL HM LNDG INC |
|---|---|
| Address | CHATSWORTH, CA 91311 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 5, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLATSOP OR |
| Recording Date | Nov 16, 2018 |
| Property Address | 654 D ST, GEARHART, OR 97138-4013 |
| Document Number | 0000008870 |
| Instrument Date | Nov 15, 2018 |
| Instrument | 8870 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2018 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE INSURANCE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 654 D ST GEARHART OR 971384013, GEARHART, OR 97138-4013 |
| Document Number | 8871 |
|---|---|
| Date | Nov 16, 2018 |
| Instrument | 8871 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2048 |
Source: Clatsop County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Clatsop County |
| Municipality | Gearhart City |
| Unified School District | Seaside School District 10 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,436.00 (+1.2%) | $256,500 (+21.99%) Building $256,500 | $561,250 (+20.5%) Land $304,750 Building $256,500 |
| 2023 | $2,407.00 (+3.08%) | $210,265 (+3%) | $465,757 (+17.54%) Land $230,612 Building $235,145 |
| 2022 | $2,335.00 | $204,142 | $396,239 Land $200,533 Building $195,706 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 111 individual policies |
| Nearby Flood Policies | 118 units insured incl. 7 condo units |
| Nearby Flood Claims | 7 (1996–2012) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Dec 2012 · other causes |
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: 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 |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GEARHART WATER DEPARTMENT serves 1,780 people · EPA ID OR4100318 |
|---|---|
| Water Source | Purchased surface water from CITY OF WARRENTON |
| Last State Inspection | Nov 2021 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 388 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 |
| Starlink Satellite | 280 / 30 |
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