977 SW 3rd St, Ontario, OR 97914 Property Records

Malheur County property record for 977 SW 3rd St, Ontario, OR 97914

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 896 sqft · built 1981
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$411,500 (Jul 2025)
Tax Bill	$4,010 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jan 2022 Mortgage + 1 more
APN	`18S4709AD 9901`

Property Details

APN / Parcel Number

Primary APN	`18S4709AD 9901`
Alternative APNs	`18S4709AD 09901` `015251` `15251`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Safe Room	Safe Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached

Location & Zoning

Account Number	15251
Street Address	977 SW 3RD ST
City	ONTARIO
State	OR
Zip	97914-3536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O-RD
Legal Subdivision	WILSONS SUPPLEMENTAL PLAT
Jurisdiction	MALHEUR OR
Township / Civil Division	ONTARIO
Census Block Group	3
Census Block	3033
Census Tract	970300

Owner

977 SW 3rd St is owned and occupied by an individual who bought it in July 2025.

Source: Malheur County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	977 SW 3RD ST, ONTARIO, OR 97914-3536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Jul 18, 2025	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Jun 7, 2019	Warranty Deed, Transfer · FHA Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2025 · Amount on File
Deed Sale	Jul 18, 2025 · Amount on File
Prior Sale	Jun 7, 2019 · Amount on File
Deed Document Number	20252439
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MALHEUR OR
Recording Date	Jul 18, 2025
Property Address	977 SW 3RD ST, ONTARIO, OR 97914-3536
Document Number	0020252439
Instrument Date	Jul 16, 2025
Instrument	2025-2439
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	PIONEER TITLE CO

Transaction

Amount	Amount on Record
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	977 SW 3RD ST, ONTARIO, OR 97914-3536

Mortgage

Document Number	0020252440
Date	Jul 18, 2025
Instrument	2025-2440

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MALHEUR OR
Property Address	977 SW 3RD ST, ONTARIO, OR 97914-3536
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	MALHEUR COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220407
Date	Jan 28, 2022
Instrument	2022-0407

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MALHEUR OR
Recording Date	Jun 7, 2019
Property Address	977 SW 3RD ST, ONTARIO, OR 97914-3536
Document Number	20192148
Instrument Date	Jun 7, 2019
Instrument	2019-2148
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	MALHEUR COUNTY TITLE COMPANY, MALHEUR COUNTY TITLE CO INC

Transaction

Amount	Amount on Record
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	977 SW 3RD ST, ONTARIO, OR 97914-3536

Mortgage

Document Number	20192149
Date	Jun 7, 2019
Instrument	2019-2149

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 977 SW 3rd St was $4,010, up 3% from the year before.

Source: Malheur County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Malheur County
Municipality	Ontario City
Unified School District	Ontario School District 8 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,010.00 (+2.95%)	$262,377 (+3%) Land $39,723 Building $222,654	$472,410 (+10.85%) Land $70,970 Building $401,440
2024	$3,895.00 (+2.74%)	$254,735 (+3%) Land $43,679 Building $211,056	$426,170 (+13.26%) Land $64,520 Building $361,650
2023	$3,791.00 (+2.74%)	$247,316 (+3%) Land $34,385 Building $212,931	$376,280 (-12.59%) Land $64,520 Building $311,760
2022	$3,690.00	$240,113 Land $39,658 Building $200,455	$430,480 Land $59,850 Building $370,630

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

Flood

FEMA has no flood map on file for 977 SW 3rd St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 977 SW 3rd 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 99.8% of the US · lower than 99.9% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ONTARIO serves 14,465 people · EPA ID OR4100587
Water Source	Surface water
Last State Inspection	Jun 2022
Lead	2 ppb (2022–2024) 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Starlink Satellite	280 / 30
Anthem Broadband Fixed Wireless	100 / 20

May also be available: Cambridge Telephone Company, Verizon.

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