Polk County property record for 786 S Main St, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,556 sqft · built 1910 |
| Lot Size | 0.225 acres (9,801 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Jun 2010) |
| Tax Bill | $3,181 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08428-BD-09300 |
| Primary APN | 08428-BD-09300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,556 sqft Living Area |
| Gross Area | 3,116 sqft |
| 1st Floor Area | 1,556 sqft |
| Attic | Attic |
| Attic Area | 840 sqft |
| Basement Area | 1,140 sqft |
| Laundry Room | Laundry Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Multi-Level |
| Exterior Material | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,801 sqft (0.225 acres) |
| View / Lot | Traffic |
| Garage Area | 396 sqft |
| Deck Area | 240 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 206446 |
|---|---|
| Street Address | 786 S MAIN ST |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-2310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | HILLS ADDITION LOT 4 BLOCK 11 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | HILLS ADDITION |
| Legal Block | 11 |
| Legal Lot Number | 4 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20305 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Independence Historic District listed 1989 · 155 contributing resources · NRIS 89000048 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
786 S Main St is owned and occupied by an individual who bought it in June 2010.
Source: Polk County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 786 S MAIN ST, INDEPENDENCE, OR 97351-2310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 9, 2021 | Deed of Trust, Mortgage · Line of Credit MAPS CU |
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MAPS CU |
| May 21, 2018 | Deed of Trust, Mortgage · Line of Credit MAPS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2010 · Amount on File |
| Deed Sale | Jun 11, 2010 · Amount on File |
| Deed Document Number | 20105670 |
| Prior Transfer Date | Jun 8, 2010 |
| Prior Transfer Doc | 0000005670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 786 S MAIN ST, INDEPENDENCE, OR 97351-2310 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011178 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 2021-011178 |
| Name | MAPS CU |
|---|---|
| Type | Credit Union |
| Address | SALEM, OR 97309 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 786 S MAIN ST, INDEPENDENCE, OR 97351-2310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0000018479 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 2020-018479 |
| Name | MAPS CU |
|---|---|
| Type | Credit Union |
| Address | SALEM, OR 97301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 786 S MAIN ST, INDEPENDENCE, OR 97351-2310 |
| Document Number | 0000006212 |
| Instrument Date | May 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2018 |
| Title Company | TICOR TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 786 S MAIN ST INDEPENDENCE OR 973512310, INDEPENDENCE, OR 97351-2310 |
| Document Number | 0000006212 |
|---|---|
| Date | May 29, 2018 |
| Instrument | 6212 |
| Name | MAPS CU |
|---|---|
| Type | Credit Union |
| Address | SALEM, OR 97309 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 28, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 786 S Main St was $3,181, up 3.8% from the year before.
Source: Polk County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Polk County |
| Municipality | Independence City |
| Unified School District | Central School District 13J (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $179,570 (+3%) Land $41,770 Building $137,800 | $442,130 (-4.93%) Land $150,000 Building $292,130 | |
| 2025 | $3,181.00 (+3.78%) | $174,340 (+3%) Land $40,550 Building $133,790 | $465,040 (+2.49%) Land $149,300 Building $315,740 |
| 2024 | $3,065.00 (-2.51%) | $169,270 (+3%) Land $39,370 Building $129,900 | $453,760 (-1.51%) Land $137,000 Building $316,760 |
| 2023 | $3,144.00 (+8.94%) | $164,340 (+3%) Land $38,220 Building $126,120 | $460,720 (+10.66%) Land $138,200 Building $322,520 |
| 2022 | $2,886.00 | $159,560 Land $37,110 Building $122,450 | $416,340 Land $117,500 Building $298,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 786 S Main St 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 October 28, 2021 · 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 |
| Nearby Flood Policies | 2 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 risk around 786 S Main St 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 Risk | Low lower than 94% of the US · lower than 98.5% of Oregon |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | INDEPENDENCE WATER SYSTEM serves 10,300 people · EPA ID OR4100399 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Willamette Valley Fiber Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 1,000 |
| Alyrica Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Hunter Communications Fixed Wireless | 200 / 20 |
| CenturyLink DSL | 140 / 20 |
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