656 3rd St, Gearhart (Seaside), OR 97138 Property Records

Clatsop County property record for 656 3rd St, Gearhart, OR 97138

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,074 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Tax Bill	$6,195 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`61003CC07203`

Property Details

APN / Parcel Number

Primary APN	`61003CC07203`
Alternative APN	`8262`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,074 sqft Living Area
1st Floor Area	1,037 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Modern
Exterior Material	Shingles
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Carport
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Covered Porch
Porch Area	729 sqft
Patio Area	260 sqft
Fence	Fence
Shed	1 Shed
Shed Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	8262
Street Address	656 3RD ST
City	GEARHART
State	OR
Zip	97138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEARHART PARK LOTS 9 & 11 BLK 2
Legal Range	10
Legal Township	06
Legal Section	03
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	GEARHART PARK
Legal Block	2
Legal Lot Number	9,11 11
Jurisdiction	CLATSOP OR
Township / Civil Division	ASTORIA
Census Block Group	2
Census Block	2026
Census Tract	950700

Owner

656 3rd St is owned by an individual who acquired it in December 2020.

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

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3131 SW ALTADENA TER, PORTLAND, OR 97239-1338
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020
Deed Sale	Dec 8, 2020
Prior Sale	May 14, 2014 · Amount on File
Deed Document Number	202010893
Record Updated	Jun 8, 2026

December 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CLATSOP OR
Recording Date	Dec 8, 2020
Property Address	656 3RD ST, GEARHART, OR 97138
Document Number	0000010893
Instrument Date	Dec 3, 2020
Instrument	202010893
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FIDELITY NATIONAL TTL OF OR

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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	656 3RD ST, GEARHART, OR 97138

Mortgage

Document Number	0000010894
Date	Dec 8, 2020
Instrument	202010894

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,195.00 (+1.21%)	$542,261 (+1.43%) Building $542,261	$861,511 (-14.24%) Land $319,250 Building $542,261
2023	$6,121.00 (+3.08%)	$534,621 (+3%)	$1,004,564 (+18.6%) Land $307,476 Building $697,088
2022	$5,938.00	$519,051	$847,027 Land $267,371 Building $579,656

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

Flood

FEMA maps place 656 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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.

Wildfire

Wildfire risk around 656 3rd St is low, with a 0.01% annual chance of 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	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

Violations Reported to EPA

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.

Internet Providers

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