892 Spencer Ave, Vernonia, OR 97064 Property Records

Columbia County property record for 892 Spencer Ave, Vernonia, OR 97064

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,333 sqft · built 2018
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Jan 2019)
Tax Bill	$3,141 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4403-BC-10303`

Property Details

APN / Parcel Number

Primary APN	`4403-BC-10303`
Alternative APNs	`401044030231030300` `4N4W03-BC-10303` `22493`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,333 sqft Living Area
1st Floor Area	1,333 sqft

Exterior

Year Built	Built 2018
Lot Area	8,712 sqft (0.2 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	22493
Old Parcel Number	401044030231030300
Street Address	892 SPENCER AVE
City	VERNONIA
State	OR
Zip	97064-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR:R
Legal Description	PARCEL 1 PP-2002-32 COLUMBIA COUNTY OREGON
Legal Range	04W
Legal Township	04N
Legal Section	03
Legal Quarter	NW
Quarter-Quarter Section	SW
Legal Subdivision	MALMSTENS RIVERSIDE VIEW PT
Legal Lot Number	10303
Jurisdiction	COLUMBIA OR
Township / Civil Division	VERNONIA
Census Block Group	2
Census Block	2096
Census Tract	971100

Owner

892 Spencer Ave is owned and occupied by two individuals who bought it in January 2019.

Source: Columbia County records, as of December 5, 2025

Owner of Record	2 Individual Names on File
Mailing Address	892 SPENCER AVE, VERNONIA, OR 97064-1438
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

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 16, 2020	Deed of Trust, Mortgage FREEDOM MTG
Aug 31, 2018	Trustee's Deed, Construction Loan · Line of Credit WASATCH CREDIT ASSN
Feb 23, 2018	Warranty Deed, Construction Loan · Line of Credit WASATCH CREDIT ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2019 · Amount on File
Deed Sale	Jan 17, 2019 · Amount on File
Deed Document Number	2019-0345
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA OR
Property Address	892 SPENCER AVE, VERNONIA, OR 97064-1438
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011185
Date	Sep 27, 2021
Instrument	2021-11185

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA OR
Property Address	892 SPENCER AVE, VERNONIA, OR 97064-1438
Document Number	0000005300
Instrument Date	May 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	892 SPENCER AVE VERNONIA OR 970641438, VERNONIA, OR 97064-1438

Mortgage

Document Number	0000005300
Date	Jun 12, 2020
Instrument	5300

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2050

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	COLUMBIA OR
Recording Date	Aug 31, 2018
Property Address	892 SPENCER AVE, VERNONIA, OR 97064-1438
Instrument Date	Aug 28, 2018
Instrument	7317
Transaction Type	Construction Loan
Record Updated	Sep 12, 2018
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007317
Date	Aug 31, 2018
Instrument	7317

Lender

Name	WASATCH CREDIT ASSN
Type	Funding / Finance Company
Address	TUALATIN, OR 97062

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 30, 2019

Interest

Rate Type	Adjustable Rate

February 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	COLUMBIA OR
Recording Date	Feb 23, 2018
Property Address	892 SPENCER AVE, VERNONIA, OR 97064-1438
Document Number	0000001537
Instrument Date	Feb 15, 2018
Instrument	1537
Transaction Type	Construction Loan
Record Updated	Mar 1, 2018
Title Company	TICOR TITLE INSURANCE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45763 SW HILLSIDE RD FOREST GROVE OR 97116, FOREST GROVE, OR 97116

Mortgage

Document Number	1538
Date	Feb 23, 2018
Instrument	1538

Lender

Name	WASATCH CREDIT ASSN
Type	Funding / Finance Company
Address	TUALATIN, OR 97062

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 22, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 892 Spencer Ave was $3,141.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Columbia County
Municipality	Vernonia City
Unified School District	Vernonia School District 47J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,141.00	$173,230 Land $47,390 Building $125,840	$472,320 Land $122,770 Building $349,550
2023	$3,032.00	$163,300 Land $42,520 Building $120,780	$423,420 Land $104,570 Building $318,850

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

Flood

FEMA maps place 892 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 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 File median of 98 policies
Nearby Flood Policies	98 in force
Nearby Flood Claims	103 (1991–2025)
Claims Outside the SFHA	39 of 103
Most Recent Claim	Dec 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 892 Spencer Ave 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	Direct burnable vegetation

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 VERNONIA serves 2,100 people · EPA ID OR4100922
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Feb 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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