664 S Main St, Independence, OR 97351 Property Records

Polk County property record for 664 S Main St, Independence, OR 97351

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,096 sqft · built 1910
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,615 (2025)
Deeds & Mortgages	Jun 2020 Loan Modification Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08428-BD-08600`

Property Details

APN / Parcel Number

Primary APN	`08428-BD-08600`
Alternative APN	`206389`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,096 sqft Living Area
1st Floor Area	1,144 sqft
Attic	Attic
Attic Area	1,904 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1960
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
View / Lot	Traffic
Deck Area	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	206389
Street Address	664 S MAIN ST
City	INDEPENDENCE
State	OR
Zip	97351-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUPC
Legal Description	HILLS ADDITION LOT 3 BLOCK 10
Legal Range	4W
Legal Township	08S
Legal Section	28
Legal Subdivision	HILLS ADDITION
Legal Block	10
Legal Lot Number	3
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	3
Census Block	3005
Census Tract	20305

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

664 S Main St is owned and occupied by two individuals who acquired it in July 2008.

Source: Polk County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	664 S MAIN ST, INDEPENDENCE, OR 97351-2421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 29, 2020	Loan Modification, Mortgage · Conventional Mortgage CARRINGTON MTG SVCS
Jun 29, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Dec 29, 2016	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2005
Deed Sale	Jan 19, 2005
Deed Document Number	2005940
Last Transfer Date	Jul 15, 2008
Transfer Doc	0000009231
Record Updated	Oct 29, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK OR
Property Address	664 S MAIN ST, INDEPENDENCE, OR 97351-2421
Document Number	0000009746
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 S MAIN ST INDEPENDENCE OR 973512421, INDEPENDENCE, OR 97351-2421

Mortgage

Document Number	0000009746
Date	Jul 15, 2020
Instrument	9746

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

Interest

Rate	3.5%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	664 S MAIN ST, INDEPENDENCE, OR 97351-2421
Document Number	0000009758
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 S MAIN ST INDEPENDENCE OR 973512421, INDEPENDENCE, OR 97351-2421

Mortgage

Document Number	0000009758
Date	Jul 15, 2020
Instrument	9758

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Term	360 Months
Due	Jul 14, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	664 S MAIN ST, INDEPENDENCE, OR 97351-2421
Document Number	0000004455
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 S MAIN ST INDEPENDENCE OR 973512421, INDEPENDENCE, OR 97351-2421

Mortgage

Document Number	0000004455
Date	Apr 17, 2017
Instrument	4455

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	SALEM, OR 97301-1266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	664 S MAIN ST, INDEPENDENCE, OR 97351-2421
Document Number	0000000871
Instrument Date	Dec 29, 2016
Transaction Type	Mortgage
Record Updated	Jan 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 S MAIN ST INDEPENDENCE OR 973512421, INDEPENDENCE, OR 97351-2421

Mortgage

Document Number	0000000871
Date	Jan 24, 2017
Instrument	871

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	SALEM, OR 97301-1266

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 664 S Main St was $2,615, up 3.8% from the year before.

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$147,600 (+2.99%) Land $41,770 Building $105,830	$345,220 (-4.8%) Land $150,000 Building $195,220
2025	$2,615.00 (+3.77%)	$143,310 (+3%) Land $40,550 Building $102,760	$362,620 (+3.28%) Land $149,300 Building $213,320
2024	$2,520.00 (-2.48%)	$139,140 (+3%) Land $39,370 Building $99,770	$351,110 (-2.19%) Land $137,000 Building $214,110
2023	$2,584.00 (+8.94%)	$135,090 (+3%) Land $38,220 Building $96,870	$358,960 (+13.71%) Land $138,200 Building $220,760
2022	$2,372.00	$131,160 Land $37,110 Building $94,050	$315,690 Land $117,500 Building $198,190

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

Flood

FEMA maps place 664 S Main 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 October 28, 2021 · 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
Nearby Flood Policies	3 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 664 S Main 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	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	INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399
Water Source	Groundwater
Last State Inspection	May 2022
Lead	3 ppb (2021–2023) action level 15 ppb
Copper	1.45 mg/L (2021–2023) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Willamette Valley Fiber Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50

May also be available: CenturyLink, Hunter Communications, Verizon.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures