15137 SW Peachtree Dr, Tigard -HP by mwidman-wfgnationaltitle

SCAN HERE

15137

PROPERTY DETAILS

PROPERTY ADDRESS

15137SWPEACHTREEDR OR97224

OWNER NAME: Jan&KennethChristopherson

VESTING:

MAILING ADDRESS: 15137SWPeachtreeDrTigardOR97224

OWNER STATUS: Owneroccupied

COUNTY: Washington

CENSUS / BLOCK: 031916/2012

TSP - RNG - SEC: 02S-01W-09

LOT / BLOCK: 123/

HOUSING TRACT: MountainGate03

ALT PARCEL #: R2009715

SCHOOL DISTRICT: Tigard-Tualatin

MUNICIPALITY: Portland PARCEL #: R2009715

DATE:DATE:

SALE PRICE:SALE PRICE: DOCUMENT #:DOCUMENT #: DOC TYPE:DOC TYPE: SQUARE FOOT $:LENDER: LENDER:LOAN:

LOAN TYPE: LOAN TERM:

GROSS AREA: 3,728

LIVING AREA: ABOVE GRADE:

BEDROOMS: 4

BATHROOMS: 3

FIREPLACE: 1

YEAR BUILT: 1992

PARKING TYPE: AttachedGarage UNITS:

BASEMENT:

GARAGE AREA: 830

ROOF SHAPE:

FOUNDATION: 01

ROOF MATERIAL: CompositionShingle

CONSTRUCTIONS: Wood

HEAT TYPE: HeatPump

COOLING TYPE:

EXTERIOR WALL: Wood

ROOMS:

QUALITY:

INTERIOR WALL:

PORCH TYPE:

PATIO TYPE: AIR COND: Y

FIXTURES: FLOOR: EQUIPMENT:

STORIES: POOL:

CONDITION: Average

LAND USE: ResidentialImproved

ZONING: LowDensityResidentialDistric

COUNTY USE: ResidenceSingleFamily

LOT ACRES: 0.31 STATE USE: LOT SQ FT: 13,504 LEN / WID:

ASSD YEAR: 2024

ASSD VALUE: $527,910

TAXABLE VAL: TAX YEAR: 2024

LAND VALUE: $347,000

MKT VALUE: $768,570

TAX AREA: 23.78

IMP VALUE: $421,570

EXEMPTIONS:

PROPERTY TAX: $8,587.39

IMPROVED %: 55 DISTRICT:

DEMOGRAPHICS

PROPERTY ADDRESS

ASSESSOR MAP

STREET

AERIALMAP

CITY BOUNDARY MAP

SCHOOLS

ELEMENTARYSCHOOLS

NAME: AlbertaRiderElementarySchool

CHARTER SCHOOL: No

ADDRESS: 14850Sw132NdTer MAGNET SCHOOL:

CITY, STATE, ZIP: Tigard,OR97224

PHONE: (503)431-4900

GRADES: Kindergarten-5thGrade

NAME: DeerCreekElementarySchool

ADDRESS: 16155Sw131StAve

CITY, STATE, ZIP: Tigard,OR97224

PHONE: (503)431-4450

GRADES: Kindergarten-5thGrade

MIDDLESCHOOLS

NAME: HazelbrookMiddleSchool

ADDRESS: 11300SwHazelbrookRd

CITY, STATE, ZIP: Tualatin,OR97062

PHONE: (503)431-5100

GRADES: 6thGrade-8thGrade

NAME: TwalityMiddleSchool

ADDRESS: 14650Sw97ThAve

CITY, STATE, ZIP: Tigard,OR97224

DESCRIPTION: 13-City:Small

0.30mile(s)

ONE: 2-No

CHARTER SCHOOL: No

DESCRIPTION: 21-Suburb:Large

0.56mile(s)

ONE: 1-Yes

CHARTER SCHOOL: No

DESCRIPTION: 21-Suburb:Large

1.68mile(s)

ONE: 2-No

CHARTER SCHOOL: No

DESCRIPTION: 13-City:Small PHONE: (503)431-5200

2.04mile(s) GRADES: 6thGrade-8thGrade

ONE: 2-No

HIGHSCHOOLS

NAME: MountainsideHighSchool

ADDRESS: 12500Sw175ThAve

CITY, STATE, ZIP: Beaverton,OR97007

CHARTER SCHOOL: No

41-Rural:Fringe PHONE: (503)356-3500

2.22mile(s) GRADES: 9thGrade-12thGrade

ONE: 2-No

NAME: TualatinHighSchool

CHARTER SCHOOL: No

ADDRESS: 22300SwBoonesFerryRd MAGNET SCHOOL: CITY, STATE, ZIP: Tualatin,OR97062

DESCRIPTION: 21-Suburb:Large PHONE: (503)431-5600

GRADES: 9thGrade-12thGrade

4.14mile(s)

ONE: 2-No

Students earning a high school diploma or GED within five years. Cohort Includes students who were firsttime ninth graders in 2017-18 finishing in 2021-22 .

State Goals

Students

District Goals

The Oregon Department of Education is partnering with school districts and local communities to ensure a 90% on-time, four year graduation rate by 2027. To progress toward this goal, the state will prioritize efforts to improve attendance, provide a wellrounded education, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

TTSD’s Mission is to Educate Every Child . We do this with a dedication to Student Achievement, Equity, Talent, and Climate & Culture . These values guide our delivery of inclusive, culturally specific instruction and our belief in the success of every student. We work collectively guided by data to meet the individual academic needs of our students and to provide the social and emotional supports that remove barriers to achievement.

2020-21, for more information

TO GRADUATE

Safe & Welcoming Environment

TTSD continuously evaluates and responds to the needs of our ever-changing world and specifically our student population. We hold an uncompromised commitment to the safety and well-being of our students and staff, and maintaining a safe, inclusive, respectful, and rigorous learning environment. Our goal is for all students to feel physically and emotionally safe and respected. We are led by Board policies dedicated to protecting all students, staff, and families from discrimination, bias, hate, and harassment.

State Goals

School Goals

Oregon Department of Education is partnering with school districts and local communities to ensure a 90% ontime, four year graduation rate by 2027. To progress toward this goal, the state will prioritize efforts to improve attendance, provide a well-rounded education, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

The

Alberta is dedicated to the delivery of inclusive, culturally specific instruction and our belief in the success of every student. We work collectively guided by data to meet the individual academic needs of our students and to provide the social and emotional supports that remove barriers to achievement. We foster strong systems of teacher collaboration and leverage our 1:1 technology to benefit every student.

COMMUNITY ENGAGEMENT

The TTSD community has a long and proven history of support for education and their schools. We work every day to steward that support by preparing our students for success in school and life. Our district strives to provide world-class experiences exposing our students to innovative learning in state-of-the-art buildings delivered by best-in-class teachers. We recognize that we can only do this work in partnership with our community. We are grateful for the lifechanging assistance we receive from our volunteers, businesses, civic groups, faith communities, and countless others.

LANGUAGE ARTS

About Our School

PARENT ENGAGEMENT

TTSD creates collaborative, culturally responsive relationships with all families. Communication is delivered in a variety of ways to ensure parents are informed and engaged in their students’ learning and school environment. We welcome parent volunteers in our classrooms and school. Dedicated staff work with our families to serve the needs of each of our students. All major decisions that impact our students are made in partnership with our students and families.

EXTRACURRICULAR

ACTIVITIES

· After school clubs and enrichment

BULLYING, HARASSMENT, AND SAFETY POLICIES

· No Place for Hate student leadership opportunities

· Fifth grade student ambassador leadership group focused on supporting community building and inclusive activities

· Oregon Battle of the Books

· Art Literacy

We are committed to fostering a school environment that is free from hazing, harassment, intimidation, racism, bullying, cyberbullying, menacing, or any threat to personal safety or race/national origin discrimination. This commitment is mandated by Board policy and reinforced by our student handbook. TTSD students have the responsibility to respect the rights of others, seek help when they know about a wrongful act, and resolve disputes peacefully. We teach anti-bullying and antihate lessons and provide professional supports around social, emotional, and behavioral health.

· Family Engagement Nights

· Multicultural Festival

Safe & Welcoming Environment

State Goals

The Oregon Department of Education is partnering with school districts and local communities to ensure a 90% ontime, four year graduation rate by 2027. To progress toward this goal, the state will prioritize efforts to improve attendance, provide a well-rounded education, invest in implementing culturally responsive practices, and promote continuous improvement to close opportunity and achievement gaps for historically and currently underserved students.

School Goals

Twality's mission is to develop well-rounded students who take responsibility for their education and are academically prepared for high school. We believe building positive relationships with our students is the foundation for academic success. We are dedicated to fostering an inclusive learning community that values all voices and celebrates kindness and equitable outcomes for all students. Our instructional focus is based on common formative assessment and using data to create individualized plans for every student.

LANGUAGE ARTS

About Our School

COMMUNITY ENGAGEMENT

PARENT ENGAGEMENT

EXTRACURRICULAR ACTIVITIES

· Extracurricular activities through ASA including:Cross Country, Soccer, Basketball, Volleyball, Chess, and Homework Club, Dungeons & Dragons, Art Enrichment, Intercambio, Oregon Battle of the Books, CARES Club, student affinity groups, No Place for Hate · Drama, choir, band and orchestra performances · REAP · AVID · No Place for Hate

BULLYING, HARASSMENT, AND SAFETY POLICIES

Students

COLLEGE GOING

Students enrolling in a two or four year college within 16 months of completing high school in 202021 . Data from the National Student Clearinghouse.

No change from previous year

Oregon average 56%

Safe & Welcoming Environment

FIVE-YEAR COMPLETION

Students earning a high school diploma or GED within five years. Cohort Includes students who were firsttime ninth graders in 2017-18 finishing in 2021-22

State Goals

includes students who were first-time ninth graders in 2018-19 graduating in 2021-22

School Goals

Tualatin High School is focused on establishing a culture of care and belonging within our school communities serving as the foundation for rigorous and meaningful teaching and learning. Student discourse, agency, and collaborative discussions are used to deepen critical thinking, collaboration, and communication skills. We have systems in place to ensure students are on track with credit attainment. All students receive mentorship to support the development and implementation of their high school and beyond plans.

2020-21, for more

PARENT & COMMUNITY ENGAGEMENT

TO GRADUATE

EXTRACURRICULAR ACTIVITIES

CAREER & TECHNICAL EDUCATION

and Performing

About Our School ADVANCED COURSEWORK

Communications Technologies · Elementary Education and Teaching · Computer Engineering Technology · Automotive Mechanics Technology · Marketing/Marketing Management · Culinary Arts · Computer Technology · Accounting and Finance · Community Improvement Design and Construction

Career and Technical Education

in Computer Science, Engineering, Culinary Arts, Advanced Business Practices, Construction, Health Occupations, Graphic Design, and Film.

CI TY OF T IGARD

48,035 $51,581 37.4 49% 51%

Tigard was incorporated in 1961. The city is located south of Beaverton, north of Tualatin, and is part of the Portland Metropolitan Area. The City ’s motto is ‘A Place to Call Home’.

SCHOOL DISTRICTS SCH

Tigard-Tualatin

HOUSING

60.86% of homes owner occupied

39.14% of homes rented

POPULATION DENSITY

4,067.3 inhabitants per sq. mile

20,068 housing units at an average density of 1,699.2 per sq. mile

HISTORY

AGE DEMOGRAPHIC

24.1% under age 18

8.1% between ages 18 to 24

29.2% between ages 25 to 44

27.4% between ages 45 to 64

11.3% above age 65

CITY QUICK FACTS

10.6 miles southwest of downtown Portland

11.81 square miles 300 feet elevation

Highest Average Temperature 80º

Lowest Average Temperature 46º

Like many towns in the Willamette Valley, Tigard was originally settled by several families. The most noteworthy was the Tigard family, headed by Wilson M. Tigard. Arriving in the area known as “East Butte” in 1852, the family settled and became involved in organizing and building the East Butte School, a general store, (which, starting in 1886 also housed the area ’s post ofﬁce), a meeting hall, and renamed East Butte to Tigardville in 1886. In 1910 the arrival of the Oregon Electric Railway triggered the development of Main Street and pushed Tigardville from being merely a small farming community into a period of growth that would lead to its incorporation as a city in 1961. The town was renamed Tigard in 1907 by the railroad to greater distinguish it from nearby Wilsonville.

ME TRO AREA BASE MAP

LOCAL BUSINESSES

8045 SW Nimbus Ave #12A, Beaverton, OR 97008, USA (805) 387-8338

Kitchen 12125 SW Allen Blvd #4720, Beaverton, OR 97005, USA (971) 361-9925

Caring Meals 28067 SW Morgan St, Wilsonville, OR 97070, USA (971) 645-0274

Gambino’s Italian Cafe 15575 SW 116th Ave, King City, OR 97224, USA (503) 747-7449

Biscuits Cafe

Suite #160, 16230 SW Paciﬁc Hwy Suite #160, Portland, OR 97224, USA (503) 684-2900

Casa Colima Mexican Restaurant - Tualatin 17935 SW Paciﬁc Hwy, Tualatin, OR 97062, USA (503) 878-4169

JR Furniture 14255 SW Paciﬁc Hwy, Tigard, OR 97224, USA (503) 968-8898 0.89

Barrel 20345 SW Paciﬁc Hwy # 410, Sherwood, OR 97140, USA (503) 625-4921 1.73

Mor Furniture for Less 10487 SW Cascade Ave, Tigard, OR 97223, USA (503) 639-0840 1.80 miles La-Z-Boy Furniture: Warehouse 20752 SW 120th Ave, Tualatin, OR 97062, USA (503) 691-3660 1.81 miles

LOCAL BUSINESSES

Emergency Police/Medical/Fire 911

Poison Control (800) 222-1222

www.aapcc.org

United States Postal Service (800) 275-8777

www.usps.com

Xﬁnity (800) 266-2278

www.xﬁnity.com

Ziply Fiber (866) 699-4759

www.ziplyﬁber.com

Verizon (800) 483-4100 www.verizon.com

AT&T (800) 288-2020 www.att.com

CenturyLink (866) 963-6665 www.centurylinkcom

Dish Network (800) 318-0572

www.dish.com

DIRECT TV (800) 531-5000 www.directtv.com

The Oregonian (503) 221-8240 www.oregonlive.com

TRI-MET (503) 238-7433 www.trimet.org

Northwest Natural Gas (800) 422-4012 www.nwnatural.com

Portland General Electric (503) 228-6322 www.portlandgeneral.com

City of Tigard Water Provider (503) 718-2460

www.tigard-or.gov

Clean Water Services Sewer (503) 681-3600 www.cleanwaterservices.org

Pride Disposal (503) 625-6177 www.pridedisposal.com

Tigard/Tualatin School District (503) 431-4000 www.ttsdschools.org

CHANGE OF ADDRESS

USPS

Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet. https://moversguide.usps.com

Benefits you will receive when you change your address online are:

Exclusive mover savings coupons

Safe and secure with identity verification by a simple $1.00 charge to your credit or debit card

Email confirmation at the end of registration of your change of address

* Must have valid email address and credit card to register online.

AUTO REGISTRATION AND DRIVER LICENSING

Below is the website if you would like to change your address online or you can visit your local DMV office.

Oregon Department of Transportation DMV Services

1905 Lana Avenue NE Salem, OR 97314-0100

www.oregondmv.com/oregon/index.htm

General DMV Information Contact: 503-299-9999

VOTERS REGISTRTION

TO REGISTER TO VOTE, YOU MUST BE:

A citizen of the USA

A resident of Oregon

A Legal Resident of Oregon State at least 18 years of age on or before the next election.

HOW TO REGISTER

To register to vote online you will need an Oregon driver's license, permit or ID card number issued by the Oregon Driver and Motor Vehicle Services Division (DMV).

If you do not have an Oregon driver's license, permit or ID card, you can still use the online voter registration application. The information you enter will display on a voter registration card (PDF document) that you will need to print, sign and deliver to your county elections office to complete your registration.

REGISTRATION DEADLINE

A new registrant must submit their online registration by 11:59:59 p.m. Pacific Time on the 21st calendar day before an election to be eligible to vote in that election.

CHANGE OF ADDRESS

If you move to a new county, you must complete a new voter registration, otherwise you must request a transfer of your registration.

Clackamas County Voter Registration: 503-655-8510

Multnomah County Voter Registration: 503-988-3720

Washington County Voter Registration: 503-846-5800

MOVING CHECKLIST

UTILITIES

Electric

NW Natural Gas

Water District

Sewer District

Garbage Provider

Cable/Satellite

Fuel (Propane)

Phone Services

Internet

FINANCIAL

Banks and Credit Unions

Credit Card Companies (including department store credit cards)

Lenders

(Mortgage, Home Equity, Auto, Student Loans)

Insurance Companies

(Health, Renters, Auto, Home, Medical, Dental, Disability, Life)

Retirement

(Pension plans, 401K, Social Security, Veterans Affairs)

Investments (Investment Agencies and Brokers)

Online Bill Payer

Paypal

GOVERNMENT

US Post Office

Department of Motor Vehicles

(Obtain your driver’s license and change vehicle registration)

IRS

Passport Office

Veteran Affairs

Unemployment Office

(If you are currently receiving unemployment benefits)

HEALTH

Physician

Pharmacies

SERVICE PROVIDER

Childcare

Housecleaning Services

Delivery Services

Lawn Care Services

Veterinarian

Pool Service

MEMBERSHIPS

Health Clubs

Membership Clubs (AAA or similar)

Community Groups (PTA, Neighborhood Associations, Civic Clubs)

Children’s Extracurricular

Activities (Dance Classes, Music Lesson, Sports Clubs)

SUBSCRIPTIONS

Newspapers

Magazine (USPS will only forward 2 months)

Movie Subscriptions

Book or Music Clubs

OTHER

Friends and Family

Employers (typically notify the HR Department)

MOVING CHECKLIST

8 WEEK BEFORE YOU MOVE

Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved Research Moving Options: You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company. Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.

Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.

Packing Material: Gather moving boxes and packing material for your move.

Contact Insurance Companies: You’ll need to contact your insurance agent to cancel/transfer your insurance policy.

1 1 Your USPS Office

1 WEEK BEFORE YOU MOVE

Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.

Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.

Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.

Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.

Travel Items: Set aside all items you’ll need while traveling. Make sure these are not packed on the moving truck.. Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address.

4 WEEK BEFORE YOU MOVE

4 BEFO

Start Packin location

4

Start Packing: Begin packing all things destined for your new location.

Obtain You dentist and an records or m

Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.

Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.

Small Engines: Service small engines for your move by extracting gas and oil from the machines. This will reduce that chance to catch fire during your move.

Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to be lost or stolen during your move.

Borrowed and Rented Items: Return items that you may have borrowed or rented. Collect items borrowed to others.

* DA

MOVING DAY

Plan Your the house

Someone

Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.

Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.

Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.

Vacate Your Home: Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve vacated the property.

Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?

THE HOME DEPOT

(800) 466-3337 www.homedepot.com

Beaverton (503) 469-4242 4401 SW 110th Ave. Beaverton, OR 97005

S. Beaverton (503) 646-1525

13700 NW Science Pk. Dr. Portland 97229

Clackamas (503) 774-6372

9300 SE 82nd Ave. Happy Valley, OR 97086

Hillsboro (503) 693-9090

1950 SE Minter Bridge Rd. Hillsboro 97123

Jantzen Beach (503) 289-9200

1728 N Tomahawk Island Dr. Portland 97217

Oregon City (503) 723-3181

2002 Washington St. Oregon City, OR 97045

E. Portland (503) 261-8543

10120 SE Washington St. Portland 97216

NE Portland (503) 252-0188

11633 NE Glen Widing Dr. Portland 97220

Sherwood (503) 925-8447

20260 SW Pacific Hwy. Sherwood, OR 97140

Tigard (503) 639-3500

14800 SW Sequoia Parkway Tigard 97224

MOVING RESOURCES

THE HOME DEPOT CONTINUED

Troutdale (503) 674-3944

25101 SE Stark St. Troutdale, OR 97060

LOWES (800) 466-3337 www.lowes.com

Hillsboro (503) 844-6200

1951 SE 24th Ave. Hillsboro, OR 97123

Milwaukie (503) 794-2500

13631 SE Johnson Rd. Milwaukie 97222

Portland (503) 737-3000

1160 N Hayden Meadows Dr. Portland 97217

Tigard (503) 624-2644 12615 SW 72nd Ave. Tigard, OR 97223

Wood Village (503) 667-1005

1000 NE Wood Village Blvd. Wood Village, OR 97060

DONATION FACILITIES

Goodwill (800) 741-0186 locator.goodwill.org

The Salvation Army (800) 958-7825 www.salvationarmyusa.org

Value Village (800) 958-7825 www.valuevillage.com

MOVING TRUCK RENTALS

Budget (800) 462-8343 www.budgettruck.com

Penske (888) 996-5415 www.pensketruckrental.com

Ryder (800) 297-9337 www.ryder.com

U-Haul (800) 468-4285 www.uhaul.com

STORAGE COMPANIES

NW Self Storage www.nwselfstorage

Public Storage (800) 906-0879 www.publicstorage.com

Pods (888) 309-8967 www.pods.com

TRANSFER STATIONS Garbage/Recycling

Metro Center (503) 234-3000

www.oregonmetro.gov 6161 NW 61st Ave. Portland, OR 97210

Metro South (503) 234-3000 www.oregonmetro.gov

2001 Washington St. Oregon City, OR 97045

AIRPORT

Portland International Airport (877) 793-4690 www.flypdx.com

AUTO & DRIVER REGISTRATION

DMV (503) 945-5000 www.odot.state.or.us/dmv/

BUS SERVICE

C-Tran (360) 695-0123 www.c-tran.com

Greyhound (800) 231-2222 www.greyhound.com

Tri-Met (503) 238-7433 www.tri-met.org

CABLE TV & INTERNET

Verizon (888) 881-8161 www.verizon.com

XFINITY (Comcast) (800) 934-6489 www.comcast.com

CITY CONTACT

Banks (503) 324-5112 www.cityofbanks.org

Beaverton (503) 526-2222 www.ci.beaverton.or.us

Canby (503) 266-4021 www.ci.canby.or.us

RESOURCE GUIDE

CITY CONTACT CONTINUED

Cornelius (503) 357-9112 www.ci.cornelius.or.us

Damascus (503) 658-8545 www.ci.damascus.or.us

Estacada (503) 630-8270 www.cityofestacada.org

Fairview (503) 665-7929 www.ci.fairview.or.us

Forest Grove (503) 359-3200

www.ci.forest-grove.or.us

Gaston (503) 985-3340

Gladstone (503) 656-5225 www.ci.gladstone.or.us

Gresham (503) 661-3000 www.ci.gresham.or.us

Happy Valley (503) 760-3325 www.ci.happy-valley.or.us

Hillsboro (503) 681-6100 www.hillsboro-oregon.gov

King City (503) 639-4082 www.ci.king-city.or.us

Lake Oswego (503) 635-0270 www.ci.oswego.or.us

Milwaukie (503) 786-7525 www.ci.cityofmilwaukie.org

CITY CONTACT CONTINUED Molalla (503) 829-6855 www.cityofmolalla.com

North Plains (503) 647-5555 www.northplains.org

Oregon City (503) 657-0891 www.ci.orcity.or.us

Portland (503) 823-4000 www.portlandonline.com

River Grove (503) 639-6919

Sandy (503) 668-5533 www.ci.sandy.or.us

Sherwood (503) 625-5522 www.ci.sherwood.or.us

Tigard (503) 639-4171 www.ci.tigard.or.us

Troutdale (503) 665-5175 www.ci.troutdale.or.us

Tualatin (503) 692-2000 www.tualatinoregon.gov

West Linn (503) 657-0331 www.westlinnoregon.gov

Wilsonville (503) 682-1011 www.ci.wilsonville.or.us

Wood Village (503) 667-6211 www.ci.wood-village-or.us

COUNTY CONTACTS

Clackamas (503) 655-8011 www.co.clackamas.or.us Taxation (503) 655-8671

Multnomah (503) 248-3511 www.co.clackamas.or.us Taxation (503) 988-3326

Washington (503) 846-8611 www.co.clackamas.or.us Taxation (503) 846-8741

ELECTRICITY

Pacific Power (888) 221 7070 www.pacificpower.net

Portland General (800) 542-8818 www.portlandgeneral.com

HOSPITALS

Adventist Medical (503) 257-2500 www.adventisthealthnw.com

Doernbecher Children’s Hospital (503) 494-8311 www.ohsu.edu

Legacy Good Samaritan (503) 413-4683 www.legacyhealth.org

Legacy Emanuel (503) 413-2200 www.legacyhealth.org

RESOURCE GUIDE

HOSPITALS CONTINUED

Legacy Meridian Park (503) 692-1212 www.legacyhealth.org

Legacy Mt. Hood (503) 674-1122 www.legacyhealth.org

Kaiser Permanente Sunnyside (503) 813-2000 www.kaiserpermanente.org

Kaiser Permanente Westside (503) 813-2000 www.kaiserpermanente.org

OHSU (503) 494-8311 www.ohsu.edu

Providence Milwaukie (503) 513-8300 www.providence.org

Providence Portland (503) 215-1111 www.providence.org

Providence St. Vincent (503) 216-1234 www.providence.org

Providence Willamette Falls (503) 656-1631 www.providence.org

Shriner’s Hospital (503) 241-5090 www.shrinershq.org

Tuality Community (503) 681-1111 www.tuality.org

Tuality Forest Grove (503) 357-2173 www.tuality.org

NATURAL GAS

NW Natural (800) 422-4012 www.nwnatural.com

NEWSPAPERS

The Columbian (360) 694-3391 www.columbian.com

The Oregonian (503) 221-8240 www.oregonlive.com

Willamette Weekly (503) 243-2122 www.wweek.com

RECREATION

Convention Center (503) 235-7575 www.oregoncc.org

Expo Center (503) 736-5200 www.expocenter.org

Mt. Hood Meadows (503) 337-2222 www.mthoodmeadows.com

OMSI (503) 797-4000 www.omsi.edu

Oregon Zoo (503) 266-1561 www.oregonzoo.com

Portland International Raceway (503) 823-7223 www.portlandraceway.com

Portland Art Museum (503) 266-2811 www.pam.org

RESOURCE GUIDE

RECREATION CONTINUED

Providence Park (503) 553-5400 www.providenceparkpdx.com

Regal Cinemas (800) FANDANGO www.regalcinemas.com

Moda Center (503) 797-9619 www.rosequarter.com

Willamette Jetboat (503) 231-1532 www.willamettejet.com

SHOPPING

Bridgeport Village (503) 968-1704 www.bridgeport-village.com

Cedar Hills Crossing (503) 643-6563 www.cedarhillscrossing.com

Clackamas Town Center (503) 653-6913 www.clackamastowncenter.com

Columbia Gorge Outlets (503) 669-8060 www.premiumoutlets.com/ columbiagorge

Lloyd Center (503) 282-2511 www.lloydcenter.com

Mall 205 (503) 255-5805

Pioneer Place (503) 228-5800 www.pioneerplace.com

SHOPPING CONTINUED

Streets of Tanasbourne (503) 533-0561 www.streetsoftanasbourne.com

Washington Square (503) 369-8860

www.shopwashingtonsquare.com

Woodburn Outlets (888) 664-SHOP www.woodburncompanystores.com

TELEPHONE SERVICE

Verizon (800) 483-4100 www.verizon.com

AT&T (800) 288-2020 www.att.com

TRANSFER STATIONS

Metro Center (503) 234-3000

www.oregonmetro.gov 6161 NW 61st Ave. Portland, OR

Metro South (503) 234-3000 www.oregonmetro.gov 2001 Washington St. Oregon City, OR

Clackamas County (503) 668-8885 www.wmnorthwest.com 19600 SE Canyon Valley Rd. Sandy, OR

VOTER REGISTRATION

Clackamas (503) 655-8510

Multnomah (503) 248-3720

Washington (503) 846-5800

WATER BUREAU

Beaverton (503) 526-2257

Clackamas (503) 722-9220

Gladstone (503) 656-5223

Gresham (503) 618-2373

Hillsboro (503) 681-6228

Lake Oswego (503) 635-0265

Milwaukie (503) 786-7525

Oregon City (503) 657-8151

Portland (503) 823-7770

Tigard (503) 639-1554

Tualatin (503) 692-2000

West Linn (503) 656-4261

Wilsonville (503) 682-1011

CYBER SECURITY

Because of you… we obsess over cyber security!

Cyber fraud and email hacking are on the rise. Fraudsters may access individual email accounts and monitor the life of your transaction. At the time funds are due to the escrow, fraudsters intercept the information for wiring funds, and the fraudsters change the information without the knowledge of the sender or recipient, resulting in the funds being sent to an outside account and never credited to the intended party.

To protect and reduce your risk, WFG has implemented the following procedures for outgoing and incoming wires:

Outgoing Wire from WFG to seller or borrower for proceeds

In the escrow paperwork provided you will be asked to provide written instructions on how you want funds due you sent to you at the close of escrow. If you choose to have the funds sent via wire transfer, WFG will contact you by phone to confirm the wire information provided.

Incoming Wires from the buyer and/or lender to WFG bank account

For funds that are to be wired to WFG for your transaction, we will send specific wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to confirm the wire instructions prior to remittance.

We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience.

http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/

OWNERS TITLE INSURANCE Why

it's important

Financially speaking, the decision to buy a home is one of the biggest decisions a person will likely ever make.

Owner’s title insurance insures that, when the purchase is closed, the buyer is the owner of and has marketable title to the property, has access to the home, and there are no liens, claims, or restrictions on the buyer’s property, other than the mortgage the buyer agrees to pay.

If the preliminary title search uncovers potential problems, a buyer can require that those problems be satisfactorily dealt with before closing on the home.

In addition, owner’s title insurance protects buyers against a myriad of risks that not even the most careful title search can uncover, including things such forged documents, undisclosed or missing heirs of a previous owner, fraud, will disputes, and unrecorded claims of many types.

Without owner’s title insurance, the legal costs to resolve such title claims could easily be in the tens of thousands of dollars and would have to be paid out of pocket by the buyer - not to mention the stress that such situations would cause to the buyer.

Owner’s title insurance is one of the most affordable insurance policies a person can ever buy. Unlike other forms of insurance, there is only a one-time fee at closing for the policy, which financially protects the buyer’s investment for as long as the buyer or the buyer’s heirs own the home.

So, if someone tells the buyer that owner’s title insurance is “optional”, that certainly does not mean that the buyer should not get it. Virtually every lender requires lender’s title insurance, but that insurance does not protect the buyer.

In order to safeguard the buyer’s investment in the property, which is possibly the most important investment the buyer will ever make, owner’s title insurance is absolutely critical.

WHAT IS ESCROW?

Understanding the Escrow Process

An escrow is an arrangement in which a neutral third party (the escrow agent) assembles and processes many of the components of a real estate transaction, records the transaction, and ultimately, disburses and distributes funds according to the buyers’, sellers’ and lenders’ instructions. Your transaction is typically closed by an Escrow Officer. People buying and selling real estate usually open an escrow for their protection and convenience. Both the buyer and seller rely on the escrow agent to carry out their written instructions relating to the transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out. If the instructions from all parties to an escrow are clearly drafted, the escrow officer can proceed on behalf of the buyer and seller without further consultation. This saves much time and facilitates the closing of the transaction.

TYPICAL ROLES IN THE CLOSING PROCESS

The Seller/Agent

Delivers a fully executed Purchase Sale Agreement to the escrow agent.

Executes the paperwork necessary to close the transaction.

The Buyer/Agent

Deposits collected funds required to close (in with the escrow agent.

Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement.

Executes the paperwork and loan documents necessary to close the transaction.

The Escrow Agent

The Lender Clears Title

Deposits loan documents to be executed by the buyer

Deposits the loan proceeds. Directs the escrow agent of the conditions under which the loan funds may be used

Obtains title insurance

Obtains payoffs and release documents for underlying loans on the property Receives funds from the buyer and/or lender. Prepares vesting document affidavit on seller’s behalf.

Prorates insurance, taxes, rents, etc.

Prepares a final statement (often referred to as the “HUD Statement” or ”Settlement Statement”) for each party, indicating amounts paid in conjunction with the closing of your transaction. Forwards deed to the county for recording. Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties.

In Summary

Escrow is the process that assembles and processes many of the components of a real estate transaction. The sale is officially closed when the new deed is recorded and funds are available to the seller, thus transferring ownership from the seller to the buyer. The escrow agent is a neutral third party acting on behalf of the buyer and seller.

WHAT IS TITLE?

About Title Insurance

Title is a bundle of rights in real property. Protecting purchasers and lenders against loss is accomplished by the issuance of a title insurance policy. Usually, during a purchase transaction, the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner's Policy).

In short, the policy states that if the status of the title to a parcel of real property is other than as represented, and if the insured (either the owner or lender) suffers a loss as a result of a title defect, the insurer will reimburse the insured for that loss and any related legal expenses, up to the face amount of the policy, subject to exceptions and exclusions contained in the policy.

Typically there are two policies issued. The Mortgagee’s Policy insures the lender for the amount of the loan. The Owner’s Policy insures the purchaser of the purchase price.

How is title insurance different from other types of insurance?

While the function of most other forms of insurance is risk assumption through the pooling of risks for losses arising out of unforeseen future events (such as sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this goal, title insurers perform an extensive search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. Said defects/claims are either eliminated prior to the issuance of a title policy

or their existence is excepted from coverage. Your policy is issued after the closing of your new home, for a one-time nominal fee, and is good for as long as you own the property.

What’s involved in a title search? A title search is actually made up of three separate searches:

Chain of Title – History of the ownership of the subject property

Tax Search – The tax search reveals the status of the taxes and assessments

Judgment and Name Search – Searches for judgment and liens against the owners’ and purchasers’ names

Once the three searches have been completed, the file is reviewed by an examiner who determines:

Whether or not the Chain of Title shows that the party selling the property has the right to do so. The status of taxes for the subject property. The Tax Search will also indicate the existence of any special assessments against the land and whether or not these assessments are current or past due.

Whether there are any unsatisfied judgments on the Judgment and Name Search against the previous owners, sellers, or and purchasers.

Rights established by judgment decrees, unpaid federal income taxes and mechanic liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights. The title search will only uncover defects in title that are of public record, thus allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.

In Summary

After the searches have been examined, thetitlecompanywillissueacommitment, stating the conditions under which it will insure title. The buyer, seller and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.

WHO PAYS WHAT IN OREGON

SELLER PAYS

TYPICAL COSTS

The following costs generally affect all transactions:

Escrow Fee - one-half of the fee, based on title company’s fee schedule

Recording Fees - based on county fee schedule

Title Premium - based on fixed statewide fee schedule

Real Estate Commission - based on agreement with Broker

Tax Prorate - to apportion taxes between parties as of date of closing

General Costs - as listed for each specific transaction, as requested by principals

Release fees for loan payoff(s)

LAND SALE CONTRACT TRANSACTION

Attorney Fee - optional, and is sometimes shared with purchaser

Collection Escrow Setup Fee - optional, and is often shared with purchaser

ASSIGNMENT OF CONTRACT FOR ASSUMPTION OF LOAN TRANSACTION

Any delinquent payments to bring contract or loan current

Prorate share of current month’s interest based on current rate

CONVENTIONAL, FHA, VA LOAN TRANSACTIONS

Any closing cost (not expenses of property or loan interest) negotiated on behalf of the purchaser, subject to lender’s approval

FHA, VA Loans - check with lender for any applicable seller costs

BUYER PAYS

TYPICAL COSTS

The following costs generally affect all transactions:

Escrow Fee - one-half of the fee, based on title company’s fee schedule

Recording Fees - based on county fee schedule

Fire Insurance Premium - mandatory when any lender is involved, including the seller’s lender

Tax Prorate - to apportion taxes between parties as of date of closing

General Costs - as listed for each specific transaction, as requested by the principals

LAND SALE CONTRACT TRANSACTION

Attorney Fee - optional, and is sometimes shared with seller

Collection Escrow Setup Fee - optional, and is sometimes shared with seller

Recording Fee - for contract or memorandum thereof

ASSIGNMENT OF CONTRACT FOR ASSUMPTION OF LOAN TRANSACTION

Assumption or Assignment

Next monthly payment due, if required by lender

Recording Fee - for Assumption/Assignment of Agreement, if required by lender

CONVENTIONAL, FHA, VA LOAN TRANSACTIONS

Lenders title insurance policy & endorsements, as required by lender

Loan Fee - as required by lender

Credit Report Fee - as required by lender

Appraisal Fee - as required by lender

Mortgage Insurance Premium - based on fee schedule and endorsements of lender

Prepaid Interest - if required by lender

VA Loans only - funding fee, if required by lender

FHA, VA, and some Conventional Loans - reserves for real property taxes, fire insurance and mortgage insurance

TITLE VESTING Common ways to hold title to real property

AS AN INDIVIDUAL

An individual may hold title in his or her name only, regardless of whether or not married – e.g. “Jane Smith, an individual”. That individual then owns all rights to the property, which can be sold or transferred to others via will or trust. While a divorce is pending, however, if the property was acquired during the marriage it will likely be treated as part of the marital estate and thus be subject to court authority.

AS TENANTS BY THE ENTIRETY

A conveyance to a husband and wife creates a tenancy by the entirety – e.g. “John Smith and Jane Smith, husband and wife, as tenants by the entirety”. This creates a survivorship estate, which means that if one spouse dies, his/her interest will automatically go to the surviving spouse. A husband and wife may also take title as tenants in common (discussed below) if the intention to hold title in that manner is expressly stated.

AS TENANTS IN COMMON

Unless a conveyance expressly provides that the parties intend to create a survivorship estate (discussed below), a conveyance to two or more persons who are not married creates a tenancy in common in which each has (unless otherwise stated) an equal undivided interest in the property – e.g. “John Smith and Robert Jones, as tenants in common, each as to an undivided 50% interest”. Each tenant in common then owns an undivided interest in the entire property, which can be sold or transferred to others via will or trust.

AS A SURVIVORSHIP ESTATE

Two or more persons who are not married may also hold title as tenants in common with a right of survivorship, as long as the survivorship declaration is expressly contained in the deed – e.g. “John Smith and Robert Jones, not as tenants in common, but with the right of survivorship”. This creates a survivorship estate, which means that if one party dies, his/her interest will automatically go to the survivor and cannot be sold during the lifetime of or transferred via will or trust by the party who dies first.

AS REGISTERED DOMESTIC PARTNERS

Registered domestic partners may take title as (i) tenants in common– e.g. “Jane Smith and Mary Jones, registered domestic partners, as tenants in common, each as to an undivided 50% interest”, or (ii) in a survivorship estate similar to that of a tenancy by the entirety – e.g. “Jane Smith and Mary Jones, as registered domestic partners with right of survivorship”.

AS A SAME SEX MARRIED COUPLE

Same sex married couples may take title as (i) tenants in common – e.g. “John Smith and Robert Smith, a married couple, as tenants in common, each as to an undivided 50% interest”, or (ii) in a survivorship estate similar to that of a tenancy by the entirety – e.g. John Smith and Robert Smith, a married couple with right of survivorship, or (iii) as tenants by the entirety – e.g. “John Smith and Robert Smith, a married couple, as tenants by the entirety”.

AS AN ENTITY

A registered entity, such as a corporation, limited liability company or partnership, may hold title. Title should be held exactly as the name is registered with the Oregon Secretary of State – e.g. “Smith & Jones, LLC, an Oregon limited liability company”.