654 Oak St, Ashland, OR 97520 Property Records

Jackson County property record for 654 Oak St, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1999
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Oct 2024)
Tax Bill	$4,975 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`391E04CA1603`

Property Details

APN / Parcel Number

Primary APN	`391E04CA1603`
Alternative APNs	`391E04CA01603` `10924134`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,056 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	182 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	654 OAK ST
City	ASHLAND
State	OR
Zip	97520-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Range	01E
Legal Township	39S
Legal Section	04
Legal Quarter	3
Legal Subdivision	PARTITION PLAT P-23-2017
Legal Block	3
Legal Lot Number	2
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3002
Census Tract	1802

Owner

654 Oak St is owned and occupied by an individual who bought it in October 2024.

Source: Jackson County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	654 OAK ST, ASHLAND, OR 97520-1259
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage U S BANK N A
Oct 30, 2024	Personal Representative Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2024 · Amount on File
Deed Sale	Oct 30, 2024 · Amount on File
Prior Sale	Jun 7, 2007 · Amount on File
Deed Document Number	202422102
Prior Transfer Date	May 11, 2004
Prior Transfer Doc	0000027756
Record Updated	Sep 20, 2026

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JACKSON OR
Recording Date	May 28, 2026
Property Address	654 OAK ST, ASHLAND, OR 97520-1259
Document Number	0000011298
Instrument Date	May 22, 2026
Instrument	202611298
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 OAK ST, ASHLAND, OR 97520-1259

Mortgage

Document Number	0000011299,
Date	May 28, 2026
Instrument	202611299

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2024: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	JACKSON OR
Recording Date	Oct 30, 2024
Property Address	654 OAK ST, ASHLAND, OR 97520-1259
Document Number	0000022102
Instrument Date	Oct 28, 2024
Instrument	2024-022102
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY OF OR

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	664 OAK ST, ASHLAND, OR 97520-1259

Mortgage

Document Number	0000022103
Date	Oct 30, 2024
Instrument	2024-022103

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 654 Oak St was $4,975, up 2.2% from the year before.

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Ashland City
Unified School District	Ashland School District 5 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$323,570 (+3%)	$518,250 (+0.7%) Land $247,080 Building $271,170
2025	$4,975.00 (+2.16%)	$314,150 (+3%) Land $188,170 Building $125,980	$514,660 (+4.26%) Land $234,600 Building $280,060
2024	$4,870.00 (+3.38%)	$305,000 (+3%) Land $182,690 Building $122,310	$493,620 (-12.91%) Land $234,600 Building $259,020
2023	$4,711.00 (+3.31%)	$296,120 (+3%) Land $177,370 Building $118,750	$566,790 (+7.77%) Land $325,790 Building $241,000
2022	$4,560.00	$287,500 Land $172,210 Building $115,290	$525,940 Land $340,490 Building $185,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 654 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	14 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

Wildfire risk around 654 Oak St is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 79% of Oregon
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond 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	ASHLAND WATER DEPARTMENT serves 20,946 people · EPA ID OR4100047
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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