784 Oak St, Ashland, OR 97520 Property Records

Jackson County property record for 784 Oak St, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,024 sqft · built 2002
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,000 (Mar 2007)
Tax Bill	$6,119 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`391E04CA701`

Property Details

APN / Parcel Number

Primary APN	`391E04CA701`
Alternative APNs	`391E04CA00701` `10961989`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,024 sqft Living Area
Gross Area	2,552 sqft
1st Floor Area	1,040 sqft
2nd Floor Area	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	240 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	784 OAK ST
City	ASHLAND
State	OR
Zip	97520-1263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Range	01E
Legal Township	39S
Legal Section	04
Legal Quarter	3
Legal Subdivision	PARTITION P-7-2014
Legal Block	3
Legal Lot Number	2
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3002
Census Tract	1802

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	784 OAK ST, ASHLAND, OR 97520-1263
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 15, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 2, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 21, 2020	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2007 · Amount on Record
Deed Sale	Mar 21, 2007 · Amount on Record
Prior Sale	Feb 13, 2004 · Amount on Record
Deed Document Number	200713549
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	784 OAK ST, ASHLAND, OR 97520-1263
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016883
Date	Apr 15, 2021
Instrument	2021-016883

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 18, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	784 OAK ST, ASHLAND, OR 97520-1263
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016902
Date	Apr 15, 2021
Instrument	2021-016902

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	784 OAK ST, ASHLAND, OR 97520-1263
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033601
Date	Oct 2, 2017
Instrument	2017-033601

Lender

Name	US BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	784 OAK ST, ASHLAND, OR 97520-1263
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001927
Date	Jan 21, 2020
Instrument	2020-001927

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 7, 2035

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		$397,970 (+3%)	$545,710 (-2.54%) Land $227,360 Building $318,350
2025	$6,119.00 (+2.15%)	$386,380 (+3%) Land $128,050 Building $258,330	$559,950 (+4.27%) Land $215,800 Building $344,150
2024	$5,990.00 (+3.36%)	$375,130 (+3%) Land $124,320 Building $250,810	$537,020 (-5.3%) Land $215,800 Building $321,220
2023	$5,795.00 (+3.32%)	$364,210 (+3%) Land $120,700 Building $243,510	$567,100 (+11.46%) Land $261,880 Building $305,220
2022	$5,609.00	$353,610 Land $117,190 Building $236,420	$508,770 Land $272,760 Building $236,010

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	14 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 55% of the US · lower than 79% of Oregon
Wildfire Likelihood	0.1% 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	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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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