894 James St, Independence, OR 97351 Property Records

Polk County property record for 894 James St, Independence, OR 97351

Property Summary

Property Type	Mobile Home
Details	1,556 sqft · built 1994
Lot Size	0.222 acres (9,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jan 2022)
Tax Bill	$2,844 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08420-DA-15200`

Property Details

APN / Parcel Number

Primary APN	`08420-DA-15200`
Alternative APN	`567714`

Interior

Building Area	1,556 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2006
Architectural Style	Mobile Home
Exterior Material	Concrete Block
Lot Area	9,650 sqft (0.222 acres)
Garage Area	484 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	567714
Street Address	894 JAMES ST
City	INDEPENDENCE
State	OR
Zip	97351-9403
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RM
Legal Description	GREEN ACRES LOT 20
Legal Range	4W
Legal Township	08S
Legal Section	20
Legal Subdivision	GREEN ACRES
Legal Block	1
Legal Lot Number	20
Jurisdiction	POLK OR
Township / Civil Division	MONMOUTH-INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	20305

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	454 SOUTHGATE DR S, MONMOUTH, OR 97361-2341
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Jan 31, 2022	Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Dec 15, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Dec 15, 2020 · Amount on Record
Deed Document Number	20221394
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK OR
Property Address	894 JAMES ST, INDEPENDENCE, OR 97351-9403
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	894 JAMES ST, INDEPENDENCE, OR 97351-9403

Mortgage

Document Number	0000005509
Date	Jul 24, 2023
Instrument	2023-005509

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MONTCALM, WV 24737

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Feb 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Jan 31, 2022
Property Address	894 JAMES ST, INDEPENDENCE, OR 97351-9403
Document Number	0000001394
Map Reference	VOL 13 PG 26
Instrument Date	Jan 27, 2022
Instrument	2022-001394
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	454 SOUTHGATE DR S, MONMOUTH, OR 97361-2341

Mortgage

Document Number	0000001395
Date	Jan 31, 2022
Instrument	2022-001395

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Index	1-Month LIBOR

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK OR
Recording Date	Dec 15, 2020
Property Address	894 JAMES ST, INDEPENDENCE, OR 97351-9403
Document Number	0000018777
Map Reference	VOL 13 PG 26
Instrument Date	Dec 11, 2020
Instrument	2020-018777
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	894 JAMES ST, INDEPENDENCE, OR 97351-9403

Mortgage

Document Number	0000018778
Date	Dec 15, 2020
Instrument	2020-018778

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Polk County
Municipality	Independence City
Unified School District	Central School District 13J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,500 (+3%) Land $70,080 Building $90,420	$287,890 (+4.35%) Land $150,000 Building $137,890
2025	$2,844.00 (+3.8%)	$155,830 (+2.99%) Land $68,040 Building $87,790	$275,880 (-8.72%) Land $135,000 Building $140,880
2024	$2,740.00 (-2.49%)	$151,300 (+3%) Land $66,070 Building $85,230	$302,230 (-2.31%) Land $148,000 Building $154,230
2023	$2,810.00 (+8.91%)	$146,900 (+2.99%) Land $64,150 Building $82,750	$309,390 (+7.2%) Land $149,300 Building $160,090
2022	$2,580.00	$142,630 Land $62,290 Building $80,340	$288,620 Land $150,600 Building $138,020

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 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

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

Wildfire Risk	Not rated no burnable land within 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 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 · Fiber in parts of the area	1,000 / 1,000
Alyrica Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Hunter Communications.

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