Polk County property record for 985 S Main St, Independence, OR 97351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,549 sqft · built 2000 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $151,000 (Mar 2004) |
| Tax Bill | $5,492 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2022 Mortgage + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 08428-D0-00201 |
| Primary APN | 08428-D0-00201 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,549 sqft Living Area |
| Gross Area | 2,165 sqft |
| 1st Floor Area | 1,549 sqft |
| Utility Room | Utility Room |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 48,352 sqft |
| View / Lot | Traffic |
| Garage Area | 616 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 355 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 563632 |
|---|---|
| Street Address | 985 S MAIN ST |
| City | INDEPENDENCE |
| State | OR |
| Zip | 97351-2323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | PARTITION PLAT 2001-0014 LOT 2 |
| Legal Range | 4W |
| Legal Township | 08S |
| Legal Section | 28 |
| Legal Subdivision | PARTITION PLAT 2001-0014 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK OR |
| Township / Civil Division | MONMOUTH-INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20306 |
Source: Polk County records, as of June 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 24, 2022 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOVEREIGN LENDING GROUP INC |
| Apr 5, 2018 | Deed of Trust, Mortgage · VA Mortgage CBC NATIONAL BANK |
| May 23, 2020 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG |
| Jul 6, 2019 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG |
| May 5, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2004 · Amount on Record |
| Deed Sale | Mar 18, 2004 · Amount on Record |
| Deed Document Number | 20044132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Recording Date | May 28, 2026 |
| Property Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000004271 |
| Instrument Date | May 21, 2026 |
| Instrument | 20264271 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004271, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 20264271 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000000957 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 2022-000957 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000015691 |
|---|---|
| Date | Oct 4, 2021 |
| Instrument | 2021-015691 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000004074 |
|---|---|
| Date | Apr 5, 2018 |
| Instrument | 2018-004074 |
| Name | CBC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ALPHARETTA, GA 30022 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000007319 |
| Instrument Date | May 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2020 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Address | 985 S MAIN ST INDEPENDENCE OR 973512323, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000007319 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 7319 |
| Name | SOVEREIGN LNDG |
|---|---|
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000007513 |
| Instrument Date | Jul 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2019 |
| Title Company | LAWYERS TITLE, LAWYERS TITLE INSURANCE CORP. |
| Name | Verified Name |
|---|---|
| Address | 985 S MAIN ST INDEPENDENCE OR 973512323, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000007513 |
|---|---|
| Date | Jul 18, 2019 |
| Instrument | 7513 |
| Name | SOVEREIGN LNDG |
|---|---|
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK OR |
| Property Address | 985 S MAIN ST, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000005599 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Address | 985 S MAIN ST INDEPENDENCE OR 973512323, INDEPENDENCE, OR 97351-2323 |
| Document Number | 0000005599 |
|---|---|
| Date | May 11, 2017 |
| Instrument | 5599 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2047 |
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 | $309,960 (+3%) Land $78,890 Building $231,070 | $540,930 (+1.4%) Land $245,000 Building $295,930 | |
| 2025 | $5,492.00 (+3.78%) | $300,940 (+3%) Land $76,590 Building $224,350 | $533,450 (-4.77%) Land $236,750 Building $296,700 |
| 2024 | $5,292.00 (-2.49%) | $292,180 (+3%) Land $74,360 Building $217,820 | $560,170 (+4.16%) Land $247,000 Building $313,170 |
| 2023 | $5,427.00 (+8.93%) | $283,670 (+3%) Land $72,190 Building $211,480 | $537,780 (+0.35%) Land $236,000 Building $301,780 |
| 2022 | $4,982.00 | $275,410 Land $70,090 Building $205,320 | $535,920 Land $230,000 Building $305,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 43 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 43 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 263 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 | 1,000 / 1,000 |
| Alyrica Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Hunter Communications Fixed Wireless | 200 / 20 |
| CenturyLink DSL | 140 / 20 |
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