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  5. Hemlock St

655 Hemlock St, Lake Oswego, OR 97034 Property Records

Clackamas County property record for 655 Hemlock St, Lake Oswego, OR 97034

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,352 sqft · built 1960
Lot Size0.172 acres (7,474 sqft)
OwnerIndividual Name on File
Last Sale$307,000 (Aug 2009)
Tax Bill$5,081 (2025)
Deeds & MortgagesMay 2026 Mortgage
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN21E10DC04100

Property Details

APN / Parcel Number

Primary APN21E10DC04100
Alternative APN
  • 00266982

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,352 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Exterior MaterialOther
Foundation TypeConcrete
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,474 sqft (0.172 acres)
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number00266982
Street Address655 HEMLOCK ST
CityLAKE OSWEGO
StateOR
Zip97034-6113
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-7.5
Legal Description814 OSWEGO HIGHLANDS LT 006 BLK 01
Legal Range1E
Legal Township2S
Legal Section10
Legal SubdivisionOSWEGO HIGHLANDS
Legal Block01
Legal Lot Number006
JurisdictionCLACKAMAS OR
Township / Civil DivisionNORTHWEST CLACKAMAS
Census Block Group1
Census Block1012
Census Tract20503

Owner

Source: Clackamas County records, as of June 3, 2026

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

Owner of RecordIndividual Name on File
Mailing Address655 HEMLOCK ST, LAKE OSWEGO, OR 97034-6113
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 29, 2026Deed of Trust, Mortgage · Conventional Mortgage
E-CHICAGO TITLE, CHICAGO TITLE
Sep 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 27, 2009 · Amount on File
Deed SaleAug 27, 2009 · Amount on File
Deed Document Number200961408
Last Transfer DateJan 17, 2025
Transfer Doc0000001991
Record UpdatedOct 29, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLACKAMAS OR
Recording DateMay 29, 2026
Property Address655 HEMLOCK ST, LAKE OSWEGO, OR 97034-6113
Document Number0000022550
Instrument DateMay 22, 2026
Instrument202622550
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address655 HEMLOCK ST, LAKE OSWEGO, OR 97034-6113

Mortgage

Document Number0000022550,
DateMay 29, 2026
Instrument202622550
Lender
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.23%
Initial TypeFixed Rate
Max Rate-1%

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLACKAMAS OR
Property Address655 HEMLOCK ST, LAKE OSWEGO, OR 97034-6113
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000081166
DateSep 30, 2020
Instrument2020-081166
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueOct 1, 2035

Tax Assessment & Valuation

Source: Clackamas County assessment roll, as of October 29, 2025

Property Jurisdictions

TypeName
StateOregon
CountyClackamas County
MunicipalityLake Oswego City
Unified School DistrictLake Oswego School District 7J (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,081.00 (+5.85%)$265,196 (+6.09%)$549,631 (+2.39%) Land $293,571 Building $256,060
2023$4,800.00$249,973$536,811 Land $285,301 Building $251,510

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 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 99.1% of the US · lower than 99.8% of Oregon
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemLAKE OSWEGO MUNICIPAL WATER
serves 40,000 people · EPA ID OR4100457
Water SourcePurchased surface water from LAKE OSWEGO - TIGARD WATER SUPPLY
Last State InspectionOct 2025
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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