Polk County property record for 680 River Dr, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1976 |
| Lot Size | 0.195 acres (8,491 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $207,000 (Sep 2017) |
| Tax Bill | $2,417 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08421-DB-00116 |
| Primary APN | 08421-DB-00116 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Gross Area | 1,404 sqft |
| 1st Floor Area | 1,040 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2008 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,491 sqft (0.195 acres) |
| Garage Area | 364 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 200 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 305679 |
|---|---|
| Street Address | 680 RIVER DR |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-2235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ONE STORY |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 21 |
| Legal Subdivision | RIVERVIEW ADD |
| Legal Block | 2 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20305 |
Source: Polk County records · APN 08421-DB-00116
Assessment roll updated May 21, 2026 · Last verified August 2026
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 | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Aug 03, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Jul 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Mar 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP |
| Sep 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Feb 27, 2017 | Grant Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 21, 2017 · Amount on Record |
| Deed Sale | Sep 21, 2017 · Amount on Record |
| Prior Sale | Feb 27, 2017 · Amount on Record |
| Deed Document Number | 201711328 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Aug 03, 2026 |
| Property Address | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Document Number | 0000006153 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 20266153 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship, 164 |
| Address | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Document Number | 0000006153, |
|---|---|
| Date | Aug 03, 2026 |
| Instrument | 20266153 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0000010955 |
|---|---|
| Date | Jul 06, 2021 |
| Instrument | 2021-010955 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | PORTLAND, OR 97223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMERITITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004056 |
|---|---|
| Date | Mar 24, 2020 |
| Instrument | 2020-004056 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21157 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Sep 21, 2017 |
| Property Address | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Document Number | 0000011328 |
| Instrument Date | Jul 07, 2017 |
| Instrument | 2017-011328 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Document Number | 0000011329 |
|---|---|
| Date | Sep 21, 2017 |
| Instrument | 2017-011329 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Feb 27, 2017 |
| Property Address | 680 RIVER DR, INDEPENDENCE, OR 97351-2235 |
| Document Number | 0000002313 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 2313 |
| Transaction Type | Transfer |
| Record Updated | Mar 03, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $98.48 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8633 HIGHLAND RD INDEPENDENCE OR 973519713, INDEPENDENCE, OR 97351-9713 |
Source: Polk County records · Assessment roll updated May 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Polk County |
| Municipality | Independence City |
| Unified School District | Central School District 13J (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $136,430 (+3%) Land $40,820 Building $95,610 | $332,030 (+2.71%) Land $150,000 Building $182,030 | |
| 2025 | $2,417.00 (+3.78%) | $132,460 (+2.99%) Land $39,630 Building $92,830 | $323,280 (-3.18%) Land $138,900 Building $184,380 |
| 2024 | $2,329.00 (-2.51%) | $128,610 (+3%) Land $38,470 Building $90,140 | $333,910 (+3.42%) Land $137,000 Building $196,910 |
| 2023 | $2,389.00 (+8.94%) | $124,870 (+2.99%) Land $37,350 Building $87,520 | $322,880 (+0.85%) Land $131,000 Building $191,880 |
| 2022 | $2,193.00 | $121,240 Land $36,260 Building $84,980 | $320,170 Land $117,500 Building $202,670 |
Source: FEMA National Flood Hazard Layer, Polk County (41053C), updated October 28, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 410530203052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 | 7 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Oregon |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 15 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Monmouth Independence Network Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 50 |
| Alyrica Networks Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Hunter Communications & Technologies Fixed Wireless | 200 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | INDEPENDENCE WATER SYSTEM serves 10,300 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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