685 Cherry Ln, Ashland, OR 97520 Property Records

Jackson County property record for 685 Cherry Ln, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,056 sqft · built 1972
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,000 (Jun 2017)
Tax Bill	$5,856 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`391E05AC4706`

Property Details

APN / Parcel Number

Primary APN	`391E05AC4706`
Alternative APNs	`391E05AC04706` `10053238`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,056 sqft Living Area
Gross Area	2,584 sqft
1st Floor Area	2,056 sqft
Basement Area	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1984
Exterior Material	Concrete
Roof Material	Other
Lot Area	8,712 sqft (0.2 acres)

Exterior Amenities

Porch	Covered Wood Porch
Porch Area	252 sqft
Deck Area	700 sqft
Patio Area	700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	685 CHERRY LN
City	ASHLAND
State	OR
Zip	97520-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-7.5
Legal Range	01E
Legal Township	39S
Legal Section	05
Legal Quarter	1
Legal Subdivision	ORCHARD HILL SUBDIVISION
Legal Block	1
Legal Lot Number	3
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1014
Census Tract	2100

Owner

Source: Jackson County records, as of August 19, 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 Record
Mailing Address	685 CHERRY LN, ASHLAND, OR 97520-1503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Jun 16, 2017	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2017 · Amount on Record
Deed Sale	Jun 16, 2017 · Amount on Record
Prior Sale	Aug 30, 2000 · Amount on Record
Deed Document Number	201719971
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	685 CHERRY LN, ASHLAND, OR 97520-1503
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012988
Date	Mar 23, 2021
Instrument	2021-012988

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OR
Recording Date	Jun 16, 2017
Property Address	685 CHERRY LN, ASHLAND, OR 97520-1503
Document Number	0000019971
Instrument Date	Jun 13, 2017
Instrument	19971
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$489.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	685 CHERRY LN ASHLAND OR 975201503, ASHLAND, OR 97520-1503

Mortgage

Document Number	19972
Date	Jun 16, 2017
Instrument	19972

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

Tax Assessment & Valuation

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		$380,910 (+3%)	$549,640 (+6.79%) Land $221,760 Building $327,880
2025	$5,856.00 (+2.15%)	$369,820 (+3%) Land $181,260 Building $188,560	$514,710 (-5.79%) Land $216,150 Building $298,560
2024	$5,733.00 (+3.35%)	$359,050 (+3%) Land $175,990 Building $183,060	$546,370 (-4.11%) Land $217,800 Building $328,570
2023	$5,547.00 (+3.32%)	$348,600 (+3%) Land $170,870 Building $177,730	$569,810 (-3.12%) Land $333,150 Building $236,660
2022	$5,369.00	$338,450 Land $165,900 Building $172,550	$588,150 Land $347,310 Building $240,840

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 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 Risk	Moderate above 57% of the US · lower than 78% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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 247 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
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30

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