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784 Spencer Ave, Vernonia, OR 97064 Property Records

Columbia County property record for 784 Spencer Ave, Vernonia, OR 97064

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,060 sqft · built 1994
Lot Size0.191 acres (8,336 sqft)
Owner2 Company Names on File
Last Sale$389,000 (Sep 2024)
Tax Bill$3,167 (2025)
Deeds & MortgagesNov 2021 Mortgage
Jun 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN4403-BC-09301

Property Details

APN / Parcel Number

Primary APN4403-BC-09301
Alternative APNs
  • 401044030230930100
  • 4N4W03BC09301
  • 22480

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area1,060 sqft Living Area
Gross Area1,544 sqft
1st Floor Area1,060 sqft

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Lot Area8,336 sqft (0.191 acres)
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number22480
Street Address784 SPENCER AVE
CityVERNONIA
StateOR
Zip97064-1436
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeVR:R
Legal DescriptionMALMSTENS RIVERSIDE VIEW BLOCK - 3 LOT - 12, N 1/2 11
Legal Range4W
Legal Township4N
Legal Section03
Legal SubdivisionMALMSTENS RIVERSIDE VIEW
Legal Block3
Legal Lot Number12
JurisdictionCOLUMBIA OR
Township / Civil DivisionVERNONIA
Census Block Group2
Census Block2103
Census Tract971100

Owner

784 Spencer Ave is owned by a company that bought it in September 2024.

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

Owner of Record2 Company Names on File
Mailing Address784 SPENCER AVE, VERNONIA, OR 97064-1436
Owner TypeCompany
VestingLife Tenant

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

DateDocument
Nov 22, 2021Deed of Trust, Mortgage · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Jun 26, 2020Deed of Trust, Mortgage · VA Mortgage
VETERANS UNITED HM LNS
Jun 14, 2019Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 25, 2024 · Amount on File
Deed SaleSep 25, 2024 · Amount on File
Prior SaleJun 14, 2019 · Amount on File
Deed Document Number20245069
Prior Transfer DateFeb 1, 2012
Prior Transfer Doc0000000698
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLUMBIA OR
Property Address784 SPENCER AVE, VERNONIA, OR 97064-1436
Transaction TypeMortgage
Record UpdatedNov 29, 2021
Title CompanyFIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

NameVerified Name
Address784 SPENCER AVE, VERNONIA, OR 97064-1436

Mortgage

Document Number0000013047
DateNov 22, 2021
Instrument2021-13047
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLUMBIA OR
Property Address784 SPENCER AVE, VERNONIA, OR 97064-1436
Document Number0000006260
Instrument DateJun 26, 2020
Transaction TypeMortgage
Record UpdatedJul 13, 2020
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address784 SPENCER AVE VERNONIA OR 970641436, VERNONIA, OR 97064-1436

Mortgage

Document Number0000006260
DateJul 2, 2020
Instrument6260
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2050

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLUMBIA OR
Recording DateJun 14, 2019
Property Address784 SPENCER AVE, VERNONIA, OR 97064-1436
Document Number0000004679
Instrument DateJun 11, 2019
Instrument4679
Transaction TypeTransfer
Record UpdatedJun 24, 2019
Title CompanyWFG TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$255.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address784 SPENCER AVE VERNONIA OR 970641436, VERNONIA, OR 97064-1436

Mortgage

Document Number4680
DateJun 14, 2019
Instrument4680
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 784 Spencer Ave was $3,167.

Source: Columbia County assessment roll, as of November 17, 2025

Property Jurisdictions

TypeName
StateOregon
CountyColumbia County
MunicipalityVernonia City
Unified School DistrictVernonia School District 47J (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,167.00$174,670 Land $53,640 Building $121,030$421,610 Land $122,360 Building $299,250
2023$3,057.00$164,660 Land $46,380 Building $118,280$389,720 Land $104,230 Building $285,490

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 784 Spencer Ave 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 May 31, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 98 policies
Nearby Flood Policies98 in force
Nearby Flood Claims103 (1991–2025)
Claims Outside the SFHA39 of 103
Most Recent ClaimDec 2025 · rainfall accumulation
Claims by Event
  • Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2015 · 9 claims
  • Severe Storms, Flooding, Landslides, And Mudslides, Dec 2007 · 71 claims
  • High Winds, Severe Storms And Flooding, Feb 1996 · 18 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

Wildfire risk around 784 Spencer Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 98.2% of Oregon
Wildfire LikelihoodUnder 0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF VERNONIA
serves 2,100 people · EPA ID OR4100922
Water SourceSurface water
Last State InspectionSep 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Feb 2019
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting7
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 92 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Ziply Fiber
Fiber		6,000 / 6,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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