Polk County property record for 895 James St, Independence, OR 97351
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,269 sqft · built 2003 |
| Lot Size | 0.175 acres (7,613 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,500 (Dec 2018) |
| Tax Bill | $3,248 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08420-DA-15900 |
| Primary APN | 08420-DA-15900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Building Area | 1,269 sqft Living Area |
| Gross Area | 1,917 sqft |
| 1st Floor Area | 1,269 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Mobile Home |
| Exterior Material | Concrete |
| Lot Area | 7,613 sqft (0.175 acres) |
| Garage Area | 648 sqft |
| Total Buildings | 2 Buildings |
| Account Number | 567721 |
|---|---|
| Street Address | 895 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 27 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 20 |
| Legal Subdivision | GREEN ACRES |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20305 |
895 James St, a mobile home, is owned and occupied by an individual who bought it in December 2018.
Source: Polk County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 895 JAMES ST, INDEPENDENCE, OR 97351-9403 |
| 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 |
|---|---|
| Feb 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Sep 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Dec 31, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2018 · Amount on File |
| Deed Sale | Dec 31, 2018 · Amount on File |
| Prior Sale | Jun 27, 2016 · Amount on File |
| Deed Document Number | 201814930 |
| Prior Transfer Date | Feb 28, 2014 |
| Prior Transfer Doc | 0000010589 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Feb 10, 2021 |
| Property Address | 895 JAMES ST, INDEPENDENCE, OR 97351-9403 |
| Document Number | 0000002594 |
| Instrument Date | Feb 10, 2021 |
| Instrument | 2021-002594 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | AMERITITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 895 JAMES ST, INDEPENDENCE, OR 97351-9403 |
| Document Number | 0000002595 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 2021-002595 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 895 JAMES ST, INDEPENDENCE, OR 97351-9403 |
| Document Number | 0000010085 |
| Instrument Date | Sep 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2019 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 895 JAMES ST INDEPENDENCE OR 973519403, INDEPENDENCE, OR 97351-9403 |
| Document Number | 0000010085 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 10085 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | Dec 31, 2018 |
| Property Address | 895 JAMES ST, INDEPENDENCE, OR 97351-9403 |
| Document Number | 0000014930 |
| Instrument Date | Oct 22, 2018 |
| Instrument | 14930 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | FIRST AMERICAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 895 JAMES ST INDEPENDENCE OR 973519403, INDEPENDENCE, OR 97351-9403 |
| Document Number | 14931 |
|---|---|
| Date | Dec 31, 2018 |
| Instrument | 14931 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 30, 2048 |
The 2025 property tax bill for 895 James St was $3,248, 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 | $183,360 (+3%) Land $83,520 Building $99,840 | $271,630 (-3.21%) Land $150,000 Building $121,630 | |
| 2025 | $3,248.00 (+3.77%) | $178,020 (+3%) Land $81,090 Building $96,930 | $280,650 (-0.51%) Land $149,300 Building $131,350 |
| 2024 | $3,130.00 (-2.49%) | $172,840 (+3%) Land $78,730 Building $94,110 | $282,100 (-2.06%) Land $148,000 Building $134,100 |
| 2023 | $3,210.00 (+8.92%) | $167,810 (+3%) Land $76,440 Building $91,370 | $288,020 (+2.86%) Land $149,300 Building $138,720 |
| 2022 | $2,947.00 | $162,930 Land $74,220 Building $88,710 | $280,010 Land $150,600 Building $129,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 895 James St in Zone X, an area of minimal flood risk.
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 File 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 risk around 895 James 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 95% of the US · lower than 98.9% of Oregon |
|---|---|
| Wildfire Likelihood | Under 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.
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 193 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 |
| Hunter Communications Fixed Wireless | 200 / 20 |
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