862 Smith St, Harrisburg, OR 97446 Property Records

Linn County property record for 862 Smith St, Harrisburg, OR 97446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1998
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jun 2024)
Tax Bill	$3,407 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2022 Reverse Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`15S04W15BA12100`

Property Details

APN / Parcel Number

Primary APN	`15S04W15BA12100`
Alternative APNs	`0842325` `842325`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	842325
Street Address	862 SMITH ST
City	HARRISBURG
State	OR
Zip	97446-9505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	15S04W15BA
Legal Range	04W
Legal Township	15S
Legal Section	15
Legal Subdivision	NINTH STREET MDWS PH 03
Jurisdiction	LINN OR
Township / Civil Division	HARRISBURG
Census Block Group	4
Census Block	4031
Census Tract	30600

Owner

862 Smith St is owned and occupied by two individuals who acquired it in April 2026.

Source: Linn County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit OREGON COMMUNITY CREDIT UNION
Mar 2, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Feb 9, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 29, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage OREGON COMMUNITY CREDIT UNION
Mar 2, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Nov 6, 2019	Deed of Trust, Mortgage · FHA Mortgage REVERSE MTG FNDG
Nov 6, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Nov 12, 2019	Intrafamily Transfer, Transfer · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024 · Amount on File
Deed Sale	Jun 28, 2024 · Amount on File
Deed Document Number	20247185
Last Transfer Date	Apr 24, 2026
Transfer Doc	0000005450
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINN OR
Recording Date	Jun 26, 2026
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Document Number	0000008149
Instrument Date	Jun 25, 2026
Instrument	20268149
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 SMITH ST, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000008149,
Date	Jun 26, 2026
Instrument	20268149

Lender

Name	OREGON COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Rate	6.53%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINN OR
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 SMITH ST, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000003967
Date	Mar 2, 2022
Instrument	2022-03967

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	862 Months
Due	Jan 9, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.73%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Index	1-Year CMT
Max Rate	7.73%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINN OR
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 SMITH ST, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000001566
Date	Feb 9, 2026
Instrument	2026-01566

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Oct 1, 2054

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LINN OR
Recording Date	Apr 29, 2026
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Document Number	0000005450
Instrument Date	Apr 24, 2026
Instrument	20265450
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	WESTERN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	862 SMITH ST, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000005451,
Date	Apr 29, 2026
Instrument	20265451

Lender

Name	OREGON COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINN OR
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Transaction Type	Mortgage
Record Updated	Mar 9, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 SMITH ST, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000003967
Date	Mar 2, 2022
Instrument	2022-03967

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	862 Months
Due	Jan 9, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.73%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Index	1-Year CMT
Max Rate	7.73%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINN OR
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Document Number	0000019894
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	862 SMITH ST HARRISBURG OR 974469505, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000019894
Date	Nov 12, 2019
Instrument	19894

Lender

Name	REVERSE MTG FNDG
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Nov 11, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.17%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINN OR
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Document Number	0000019895
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	862 SMITH ST HARRISBURG OR 974469505, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000019895
Date	Nov 12, 2019
Instrument	19895

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Nov 11, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.17%

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINN OR
Recording Date	Nov 12, 2019
Property Address	862 SMITH ST, HARRISBURG, OR 97446-9505
Document Number	0000019893
Instrument Date	Nov 6, 2019
Instrument	2019-19893
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FIDELITY NATIONAL TITLE

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	862 SMITH ST, HARRISBURG, OR 97446-9505

Mortgage

Document Number	0000019894
Date	Nov 12, 2019
Instrument	2019-19894

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.17%
Type Change Date	Dec 1, 2020
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 862 Smith St was $3,407.

Source: Linn County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Linn County
Municipality	Harrisburg City
Unified School District	Harrisburg School District 7J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,407.00	$187,100	$381,060 Land $133,500 Building $247,560
2023	$3,220.00 (+2.25%)	$176,370 (+3%)	$367,990 (+4.91%) Land $121,000 Building $246,990
2022	$3,149.00	$171,240	$350,780 Land $115,400 Building $235,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 862 Smith St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 4, 2025 · 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
Nearby Flood Policies	4 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

Wildfire risk around 862 Smith St is low, with 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 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.01% 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	CITY OF HARRISBURG serves 3,684 people · EPA ID OR4100366
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

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

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2022
Monitoring and Reporting	54 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hunter Communications Fiber · Fixed Wireless	2,500 / 2,500
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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