910 Oak St, Ashland, OR 97520 Property Records

Jackson County property record for 910 Oak St, Ashland, OR 97520

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,596 sqft · built 1987
Lot Size	1.68 acres (73,616 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,755 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`391E04AC4500`

Property Details

APN / Parcel Number

Primary APN	`391E04AC4500`
Alternative APNs	`391E04AC04500` `10047991`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,596 sqft Living Area
Gross Area	4,188 sqft
1st Floor Area	2,299 sqft
2nd Floor Area	1,297 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Roof Material	Other
Lot Area	73,616 sqft
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	276 sqft
Patio Area	1,140 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	910 OAK ST
City	ASHLAND
State	OR
Zip	97520-1267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Range	01E
Legal Township	39S
Legal Section	04
Legal Quarter	1
Legal Block	3
Jurisdiction	JACKSON OR
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3002
Census Tract	1802

Owner

Source: Jackson County records, as of August 19, 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	910 OAK ST, ASHLAND, OR 97520-1267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 23, 2024	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Jun 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 1, 2014
Transfer Doc	0000031806
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Recording Date	Sep 24, 2026
Property Address	910 OAK ST, ASHLAND, OR 97520-1267
Document Number	0000021343
Instrument Date	Sep 11, 2026
Instrument	202621343
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 OAK ST, ASHLAND, OR 97520-1267

Mortgage

Document Number	0000021343,
Date	Sep 24, 2026
Instrument	202621343

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 8, 2041

Interest

Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	910 OAK ST, ASHLAND, OR 97520-1267
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003548
Date	Feb 23, 2024
Instrument	2024-003548

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Mar 16, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OR
Property Address	910 OAK ST, ASHLAND, OR 97520-1267
Transaction Type	Mortgage
Record Updated	Jun 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 OAK ST, ASHLAND, OR 97520-1267

Mortgage

Document Number	0000018356
Date	Jun 7, 2022
Instrument	2022-018356

Lender

Name	PEOPLES BANK OF COMMERCE
Type	Bank
Address	ASHLAND, OR 97520

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jun 3, 2034

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Jackson County
Municipality	Ashland City
Unified School District	Ashland School District 5 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$569,410 (+3%)	$952,830 (+3.88%) Land $447,760 Building $505,070
2025	$8,755.00 (+2.15%)	$552,830 (+3%) Land $272,450 Building $280,380	$917,260 (-2.03%) Land $428,000 Building $489,260
2024	$8,571.00 (+3.38%)	$536,730 (+3%) Land $264,520 Building $272,210	$936,280 (-38.07%) Land $431,670 Building $504,610
2023	$8,291.00 (+3.3%)	$521,100 (+3%) Land $256,810 Building $264,290	$1,511,850 (+10.1%) Land $1,068,350 Building $443,500
2022	$8,026.00	$505,930 Land $249,330 Building $256,600	$1,373,110 Land $1,020,130 Building $352,980

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 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 Record median of 14 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	14 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	Moderate above 65% of the US · lower than 73% of Oregon
Wildfire Likelihood	0.3% 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	ASHLAND WATER DEPARTMENT serves 20,946 people · EPA ID OR4100047
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2025) 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rogue Broadband Fixed Wireless	200 / 25
FireServe Fixed Wireless	100 / 30
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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