686 Orchard St, Monroe, OR 97456 Property Records

Benton County property record for 686 Orchard St, Monroe, OR 97456

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,792 sqft · built 1918
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jul 2018)
Tax Bill	$3,214 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14533AC02400`

Property Details

APN / Parcel Number

Primary APN	`14533AC02400`
Alternative APN	`203962`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Roof Type	Bowstring Truss
Lot Area	29,185 sqft (0.67 acres)
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	936 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	203962
Street Address	686 ORCHARD ST
City	MONROE
State	OR
Zip	97456-9411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GRA
Legal Range	5W
Legal Township	14S
Legal Section	33
Jurisdiction	BENTON OR
Township / Civil Division	SOUTHEAST BENTON
Census Block Group	3
Census Block	3019
Census Tract	10400

Owner

Source: Benton County records, as of August 27, 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 Record	2 Individual Names on File
Mailing Address	686 ORCHARD ST, MONROE, OR 97456-9411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 27, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 21, 2017	Quit Claim Deed, Transfer Quitclaim
Nov 21, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018 · Amount on File
Deed Sale	Jul 27, 2018 · Amount on File
Deed Document Number	2018572904
Last Transfer Date	Nov 25, 2020
Transfer Doc	0000604189
Record Updated	Oct 29, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON OR
Recording Date	Dec 1, 2020
Property Address	686 ORCHARD ST, MONROE, OR 97456-9411
Document Number	0000604189
Instrument Date	Nov 25, 2020
Instrument	2020-604189
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIRST AMERICAN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	686 ORCHARD ST, MONROE, OR 97456-9411

Mortgage

Document Number	0000604190
Date	Dec 1, 2020
Instrument	2020-604190

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON OR
Recording Date	Jul 27, 2018
Property Address	686 ORCHARD ST, MONROE, OR 97456-9411
Document Number	0000572904
Instrument Date	Jun 21, 2018
Instrument	2018-572904
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	686 ORCHARD ST, MONROE, OR 97456-9411

Mortgage

Document Number	0000572905
Date	Jul 27, 2018
Instrument	2018-572905

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON OR
Recording Date	Dec 21, 2017
Property Address	686 ORCHARD ST, MONROE, OR 97456-9411
Document Number	0000565380
Instrument Date	Nov 17, 2017
Instrument	565380
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	686 ORCHARD ST MONROE OR 974569411, MONROE, OR 97456-9411

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON OR
Recording Date	Nov 21, 2017
Property Address	686 ORCHARD ST, MONROE, OR 97456-9411
Document Number	0000564372
Instrument Date	Nov 17, 2017
Instrument	564372
Transaction Type	Transfer
Record Updated	Nov 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	686 ORCHARD ST MONROE OR 974569411, MONROE, OR 97456-9411

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oregon
County	Benton County
Municipality	Monroe City
Unified School District	Monroe School District 1J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,214.00 (+2.29%)	$173,231 (+3%)	$401,640 (+3.12%) Land $177,000 Building $224,640
2024	$3,142.00 (+2.78%)	$168,185 (+3%)	$389,480 (+3.63%) Land $173,000 Building $216,480
2023	$3,057.00 (+2.69%)	$163,286 (+3%)	$375,830 (+3.43%) Land $173,000 Building $202,830
2022	$2,977.00	$158,530
2002			$363,370 Land $153,000 Building $210,370

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 28, 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
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	4 (1996–2006)
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jan 2006 · 2 claims

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	Low lower than 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF MONROE serves 723 people · EPA ID OR4100540
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Monroe Telephone Company Fiber · DSL in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Hunter Communications, Verizon.

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