89028 Sutton Lake Rd, Florence, OR 97439 Property Records

Lane County property record for 89028 Sutton Lake Rd, Florence, OR 97439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1992
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$8,500 (Jun 1991)
Tax Bill	$2,668 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-12-35-10-00122-000`

Property Details

APN / Parcel Number

Primary APN	`17-12-35-10-00122-000`
Alternative APN	`0542595`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Finished Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1992
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	576 sqft
Driveway	Driveway
Driveway Area	1,248 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	0542595
Street Address	89028 SUTTON LAKE RD
City	FLORENCE
State	OR
Zip	97439-8732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1-RURAL RES. (1 AC MIN)
Legal Description	SUBD:LAKE SHORES BY THE SEA SEC/TWN/RNG/MER:SEC 35 TWN 17 RNG 12
Legal Range	12W
Legal Township	17S
Legal Section	35
Legal Quarter	NE
Legal Subdivision	LAKE SHORES BY THE SEA
Legal Lot Number	122
Jurisdiction	LANE OR
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1181
Census Tract	708

Owner

89028 Sutton Lake Rd is owned and occupied by two individuals who bought it in June 1991.

Source: Lane County records, as of October 27, 2025

Owner of Record	2 Individual Names on File
Mailing Address	89028 SUTTON LAKE RD, FLORENCE, OR 97439-8732
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 1991 · Amount on File
Deed Sale	Jun 28, 1991 · Amount on File
Deed Document Number	9103120700
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANE OR
Property Address	89028 SUTTON LAKE RD, FLORENCE, OR 97439-8732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059905
Date	Oct 19, 2020
Instrument	2020-059905

Lender

Name	BANNER BANK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 89028 Sutton Lake Rd was $2,668.

Source: Lane County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Lane County
Unified School District	Siuslaw School District 97J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,668.00	$240,204	$438,521 Land $97,839 Building $340,682
2023	$2,513.00 (+4.45%)	$226,416 (+3%)	$443,159 (+13.93%) Land $78,297 Building $364,862
2022	$2,406.00	$219,822	$388,958 Land $72,310 Building $316,648

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

Flood

FEMA maps place 89028 Sutton Lake Rd 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 August 26, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	31 (1980–2016)
Claims Outside the SFHA	3 of 31
Most Recent Claim	Nov 2016 · other causes
Claims by Event	Severe Winter Storm, Flooding, Landslides, And Mudslides, Jan 2012 · 8 claims Flooding, Land, Mud Slides, High Winds,severe Storms, Nov 1996 · 2 claims High Winds, Severe Storms And Flooding, Feb 1996 · 4 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 89028 Sutton Lake Rd 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	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	HECETA WATER PEOPLES UTILITY DISTRICT serves 4,921 people · EPA ID OR4100301
Water Source	Surface water
Last State Inspection	Oct 2022
Lead	Under 1 ppb (2024–2026) 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wind Wireless Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20