4304 5th St, Hubbard, OR

4304 5th Street Hubbard, OR 97032

TABLE OF CONTENTS Property Details Maps Local Schools Community Utilities & Resources Title & Escrow Covenants, Conditions & Restrictions

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

PROPERTY DETAILS

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Owner Information KELLEY JERIMY LEE / KELLEY ELLEN

Owner Name: Vesting: Mail Address:

4304 5TH ST HUBBARD OR 97032

Owner Status:

OwnerOccupied

Location Information

Alt Parcel #

041W27CC00900R11209

Legal Desc:

County:

MARION

Census/Block: 010202 / 4009

School District: NORTH MARION 15

Tsp-Rng-Sec:

T04S-R1W-S27

Municipality:

Lot / Block:

Lot: Block:

Parcel #:

R11209

Housing Tract: Last Market Sale Date:

2014-07-25/2014-07-24

Lender:

AMERICAN FIN'L RSRCS INC

Sale Price:

188000

Loan:

184594

Document #:

Document #:

Doc Type:

GENERAL WARRANTY DEED

Loan Type:

FEDERAL HOUSING ADMINISTR

$ Sqft:

$137.23

Loan Term:

30

Prior Sale Information Date:

2011-07-15/2011-07-13

Lender:

Price:

180900

Loan:

Document #: Doc Type:

187461

Document #: WARRANTY DEED

Loan Type:

CONVENTIONAL

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Property Characteristics Gross Area:

1874

Garage Area:

Interior Wall

Living Area:

1370

Roof Shape:

Porch Type:

Above Grade: 1,874

Foundation:

Patio Type:

Bedrooms:

3

Roof Material:

Air Cond:

Bath (F/H):

1/1

Construction:

Fixtures:

Fireplace: Year Built:

Heat Type: 1970

Parking Type: Garage Units:

1

Basement:

CENTRAL

CENTRAL

Floor:

Cooling Type: CENTRAL

Equipment:

Exterior Wall:

Stories:

1

Rooms:

Pool:

No

Quality:

Condition:

Property Information Land Use:

SFR

County Use:

RESIDENTIAL IMPRO State Use:

R31

Zoning:

R1

Lot Acres:

0.2112

Lot Sqft:

9,200

Len/Wid:

/

Tax and Assessment Information Assd Year:

2020

Assd Value:

$276,290

Taxable Val:

$276,290

Tax Year:

2020

Land Value:

$105,000

Mkt Value:

$276,290

Tax Area:

01511110

Imp Value:

$171,290

Exemption:

Property Tax:

$3,169.04

Improved %:

62%

District:

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Averages

Avg Bedrooms

Avg Bathrooms

Avg Sqft

Avg Price

Avg $Sqft

2016

2.00

1.89

1,377

$261,422

$190

2017

2.00

1.83

1,333

$279,108

$209

2018

2.00

1.89

1,399

$297,247

$212

2019

2.00

1.86

1,376

$266,129

$193

2020

1.00

1.67

1,293

$331,833

$257

Average Sale Price

$261,422

$279,108

2016

2017

$297,247

2018

$331,833 $266,129

2019

2020

Average $ Per Square Foot $257 $190

2016

$209

$212

2017

2018

$193

2019

2020

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Female Population

2,196

21.4%

0-9

9.3%

10.3%

10-19

20-29

17.0%

15.8%

15.0%

13.0%

40-49

50-59

60-69

16.1%

14.6%

30-39

8.4% 70+

Male Population

2,375

23.4% 12.6% 0-9

10-19

10.5% 20-29

Education

16.8%

30-39

12.1% 40-49

4.3% 50-59

60-69

70+

Employment

No Diploma: High School: Some College: Bachelor's Graduate's:

17.1% 29.5% 33.6% 16.4% 3.4%

Working Age:

3,517 72.7%

Labor Force: Median Income:

$65,759 93.6%

Employed: Unemployed:

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

6.4%

MAPS

ASSESSOR MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

STREET MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

AERIAL MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

CITY BOUNDARY MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

SCHOOLS

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

North Marion Sd 15 Elementary Schools North Marion Primary School 20257 GRIM RD NE AURORA OR 97002 Grades: PK to 02 Charter School: N Magnet School: U

503-678-8500 Area Desc: Rural: Fringe Distance: 1.79 Miles Title One: Y

Riverside Elementary 16303 SE RIVER RD MILWAUKIE OR 97267 Grades: KG to 06 Charter School: N Magnet School: U Middle Schools North Marion Middle School 20246 GRIM RD NE AURORA OR 97002 Grades: 06 to 08 Charter School: N Magnet School: U

503-653-3687 Area Desc: Suburb: Large Distance: 17.06 Miles Title One: Y

Rowe Middle School 3606 SE LAKE RD MILWAUKIE OR 97222 Grades: 07 to 08 Charter School: N Magnet School: U High Schools North Marion High 20167 GRIM RD NE AURORA OR 97002 Grades: 09 to 12 Charter School: N Magnet School: U

503-353-5725 Area Desc: Suburb: Large Distance: 19.19 Miles Title One: N

Putnam High 4950 SE ROETHE RD MILWAUKIE OR 97267 Grades: 09 to 12 Charter School: N Magnet School: U

503-353-5860 Area Desc: Suburb: Large Distance: 17.58 Miles Title One: N

503-678-7119 Area Desc: Rural: Fringe Distance: 1.82 Miles Title One: N

503-678-7123 Area Desc: Rural: Fringe Distance: 1.68 Miles Title One: N

Your assigned school should be the first school in each category, but it is recommended you check with the district or school.

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

North Marion SD 15 503-678-7100 | 20256 Grim Rd NE, Aurora 97002 STUDENTS WE SERVE^

INTRODUCTION

1,857 Student Enrollment

The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: <1% Teachers: 1%

ACADEMIC SUCCESS

Asian Students: 1% Teachers: 0% Black/African American Students: <1% Teachers: 0% Hispanic/Latino Students: 50% Teachers: 3% Multiracial Students: 3% Teachers: 0% Native Hawaiian/Pacific Islander Students: <1% Teachers: 0% White Students: 45% Teachers: 96%

ON-TIME GRADUATION Students earning a diploma within four years. Cohort includes students who were first-time ninth graders in 2015-16 graduating in 2018-19.

District: 85%

Oregon Average: 80%

FIVE-YEAR COMPLETION Students earning a high school diploma or GED within five years.

District: 89%

Oregon Average: 86%

OUR STAFF (ROUNDED FTE) 9 Administrators 103 Teachers 39 Educational assistants 8 Counselors/Psychologists 0 Licensed Librarians 74% of licensed teachers with more than 3 years of experience

District website: www.nmarion.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html * Fewer than 10 students or data unavailable.

Institution ID = 2141

North Marion SD 15 503-678-7100 | 20256 Grim Rd NE, Aurora 97002 OUTCOMES On-Time Graduation and Five-Year Completion rates separated by student group.

ON-TIME GRADUATION

FIVE-YEAR COMPLETION

American Indian/Alaska Native: ......................................................... *

American Indian/Alaska Native: ......................................................... *

Asian: .................................................................................................. *

Asian: .................................................................................................. *

Black/African American: ..................................................................... *

Black/African American: ..................................................................... *

Hispanic/Latino: ................................................................................. 82%

Hispanic/Latino: ................................................................................. 91%

Multiracial: .......................................................................................... *

Multiracial: ......................................................................................... *

Native Hawaiian/Pacific Islander: ...................................................... *

Native Hawaiian/Pacific Islander: ...................................................... *

White: ................................................................................................. 86%

White: ................................................................................................. 90%

Free/Reduced Price Lunch: ................................................................. 84%

Free/Reduced Price Lunch: ................................................................ 88%

Ever English Learner: .......................................................................... 84%

Ever English Learner: .......................................................................... 94%

Students with Disabilities: .................................................................. 68%

Students with Disabilities: .................................................................. 86%

Migrant: .............................................................................................. *

Migrant: .............................................................................................. *

Talented and Gifted: .......................................................................... 85%

Talented and Gifted: .......................................................................... >95%

Female: ............................................................................................... 85%

Female: ............................................................................................... 92%

Male: .................................................................................................. 85%

Male: .................................................................................................. 86%

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

North Marion Primary School Grades: K-2 503-678-8555 | 20257 Grim Rd NE, Aurora 97002 STUDENTS WE SERVE^ 373 Student Enrollment ^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: 0% Teachers: 0%

Asian Students: 1% Teachers: 0%

Black/African American Students: 0% Teachers: 0%

Hispanic/Latino Students: 51% Teachers: 4%

Multiracial Students: 4% Teachers: 0%

INTRODUCTION The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

REQUIRED VACCINATIONS 92% OUR STAFF (ROUNDED FTE) 21 Teachers 14 Educational assistants 2 Counselors/Psychologists 83% Average Teacher retention rate 67% of licensed teachers with more than 3 years of experience No: Same principal for the last 3 years?

Native Hawaiian/Pacific Islander Students: 0% Teachers: 0%

White Students: 44% Teachers: 96%

School website: www.nmarion.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html *Fewer than 10 students or data unavailable Institution ID = 3146

North Marion Intermediate School Grades: 3-5 503-678-7114 | 20237 Grim Rd NE, Aurora 97002 STUDENTS WE SERVE^ 396 Student Enrollment ^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: <1% Teachers: 0%

Asian Students: 1% Teachers: 0%

Black/African American Students: 0% Teachers: 0%

Hispanic/Latino Students: 52% Teachers: 4%

Multiracial Students: 4% Teachers: 0%

INTRODUCTION The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

REQUIRED VACCINATIONS 93% OUR STAFF (ROUNDED FTE) 22 Teachers 9 Educational assistants 1 Counselors/Psychologists 82% Average Teacher retention rate 68% of licensed teachers with more than 3 years of experience Yes: Same principal for the last 3 years?

Native Hawaiian/Pacific Islander Students: 1% Teachers: 0%

White Students: 43% Teachers: 96%

School website: www.nmarion.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html *Fewer than 10 students or data unavailable Institution ID = 724

North Marion Middle School Grades: 6-8 503-678-7118 | 20246 Grim Rd NE, Aurora 97002 STUDENTS WE SERVE^ 470 Student Enrollment ^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: 0% Teachers: 0%

Asian Students: 1% Teachers: 0%

Black/African American Students: 0% Teachers: 0%

Hispanic/Latino Students: 51% Teachers: 3%

Multiracial Students: 4% Teachers: 0%

INTRODUCTION The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

REQUIRED VACCINATIONS 96% OUR STAFF (ROUNDED FTE) 26 Teachers 7 Educational assistants 3 Counselors/Psychologists 84% Average Teacher retention rate 67% of licensed teachers with more than 3 years of experience Yes: Same principal for the last 3 years?

Native Hawaiian/Pacific Islander Students: 0% Teachers: 0%

White Students: 45% Teachers: 97%

School website: www.nmarion.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html *Fewer than 10 students or data unavailable Institution ID = 725

North Marion High School Grades: 9-12 503-678-7124 | 20167 Grim Rd NE, Aurora 97002 STUDENTS WE SERVE^

INTRODUCTION

618 Student Enrollment

The At-A-Glance School and District profiles tell a story about Oregon’s schools and districts. This year’s profiles do not include statewide assessments data, class size data, or attendance data as a result of the necessary statewide school closures and the implementation of Distance Learning for All. The profiles present all available data not impacted by the state’s response to COVID-19.

^Student enrollment as of October 1, 2019

DEMOGRAPHICS American Indian/Alaska Native Students: 1% Teachers: 3%

ACADEMIC SUCCESS

Asian Students: 1% Teachers: 0% Black/African American Students: <1% Teachers: 0% Hispanic/Latino Students: 49% Teachers: 3% Multiracial Students: 2% Teachers: 0% Native Hawaiian/Pacific Islander Students: <1% Teachers: 0% White Students: 47% Teachers: 95% REQUIRED VACCINATIONS

ON-TIME GRADUATION Students earning a diploma within four years. Cohort includes students who were first-time ninth graders in 2015-16 graduating in 2018-19

School: 85%

District: 85%

Oregon Average: 80%

FIVE-YEAR COMPLETION Students earning a high school diploma or GED within five years.

School: 89%

District: 89%

Oregon Average: 86%

OUR STAFF (ROUNDED FTE) 33 Teachers 8 Educational assistants 3 Counselors/Psychologists 93% Average Teacher retention rate 88% of licensed teachers with more than 3 years of experience Yes: Same principal for the last 3 years?

95%

School website: www.nmarion.k12.or.us For more information please visit: www.oregon.gov/ode/reports-and-data/ | Seismic Safety: www.oregongeology.org/sub/projects/rvs/activity-updates/status.html * Fewer than 10 students or data unavailable.

Institution ID = 726

North Marion High School Grades: 9-12 503-678-7124 | 20167 Grim Rd NE, Aurora 97002 OUTCOMES On-Time Graduation and Five-Year Completion rates separated by student group.

ON-TIME GRADUATION

FIVE-YEAR COMPLETION

American Indian/Alaska Native: ......................................................... *

American Indian/Alaska Native: ......................................................... *

Asian: .................................................................................................. *

Asian: .................................................................................................. *

Black/African American: ..................................................................... *

Black/African American: ..................................................................... *

Hispanic/Latino: ................................................................................. 82%

Hispanic/Latino: ................................................................................. 91%

Multiracial: .......................................................................................... *

Multiracial: ......................................................................................... *

Native Hawaiian/Pacific Islander: ...................................................... *

Native Hawaiian/Pacific Islander: ...................................................... *

White: ................................................................................................. 86%

White: ................................................................................................. 90%

Free/Reduced Price Lunch: ................................................................. 84%

Free/Reduced Price Lunch: ................................................................ 88%

Ever English Learner: .......................................................................... 84%

Ever English Learner: .......................................................................... 94%

Students with Disabilities: .................................................................. 68%

Students with Disabilities: .................................................................. 86%

Migrant: .............................................................................................. *

Migrant: .............................................................................................. *

Talented and Gifted: .......................................................................... 85%

Talented and Gifted: .......................................................................... >95%

Female: ............................................................................................... 85%

Female: ............................................................................................... 92%

Male: .................................................................................................. 85%

Male: .................................................................................................. 86%

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

COMMUNITY

CITY OF HUBBARD

3,173

POPULATION 2010 Census Data

MALE 50.3%

$38,850

FEMALE 49.7%

30.1

MEDIAN INCOME

MEDIAN AGE

2000 Census Data

2010 Census Data

Hubbard is a city in Marion County, Oregon. It is part of the Salem Metropolitan Statistical Area and is 26.2 miles south of downtown Portland.

SCHOOL DISTRICTS 

Canby

HOUSING

AGE DEMOGRAPHIC 2010 Census Data     

33.7% under age 18 9% between ages 18 to 24 30.6% between ages 25 to 44 20.1% between ages 45 to 64 6.6% above age 65

2010 Census Data  

75.20% of homes owner occupied 24.80% of homes rented

POPULATION DENSITY 2010 Census Data  

4,469 inhabitants per sq. mile 1,002 housing units at an average density of 1,411.3 per sq. mile

CITY QUICK FACTS     

0.71 square miles 181 feet elevation Incorporated in 1891 Highest Annual Temperature 80º Lowest Annual Temperature 46º

The City of Hubbard was founded by Charles and Margaret Hubbard who arrived in Oregon City in 1848 from Illinois.

Charles Hubbard eventually purchased his friend, Thomas Hunt’s cabin as well as 400 acres of nearby land from a Frenchman for “three yoke of oxen and chains valued at $25 each.” The Hunt cabin was located in the woods near Mill Creek, where Wolfer’s Mineral Springs was eventually developed. Charles Hubbard, Jr offered the right of way and every other block to railroad officials. The offer was accepted and the townsite of “Hubbard” was platted.

YAMHILL COUNTY BASE MAP

Your Local Market Report Hubbard, OR 97032 REPORT FOR 5/18/2021 Single-Family Homes

Presented by WFG National Title Company reports@wfgnationaltitle.com

Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Hubbard, OR 97032

This week the median list price for Hubbard, OR 97032 is $495,000 with the market action index hovering around 81. This is less than last month's market action index of 83. Inventory has increased to 5.

Real-Time Market Profile

Market Action Index This answers “How’s the Market?” by comparing rate of sales versus inventory.

50

40

Buyer's Market

60

20

10

90

81

100

ay Tod

M

80

Last

th on

0

Seller's Market

70

30

Strong Seller's Market

Median List Price

$495,000

Median Price of New Listings

$559,999

Per Square Foot

$250

Average Days on Market

15

Median Days on Market

0

Price Decreased

0%

Price Increased

0%

Relisted

20%

Inventory

5

Median Rent

Home sales continue to outstrip supply and the Market Action Index has been moving higher for several weeks. This is a Seller’s market so watch for upward pricing pressure in the near future if the trend continues.

Market Action

81

Strong Seller's Market

Market Segments Each segment below represents approximately 25% of the market ordered by price.

Median Price

Sq. Ft.

Lot Size

Beds

Bath

Age

New

Absorbed

DOM

$945,000

2,218

10 - 20 acres

4

2

101

1

0

14

$624,999

2,243

1 - 2.5 acres

3

3

47

1

0

0

$495,000

1,978

8,000 - 10,000 sqft

3

2

6

1

1

0

$427,450

1,897

6,500 - 8,000 sqft

4

2

35

1

1

31

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Hubbard, OR 97032

Median List Price

Prices in this zip code are bouncing around near term trough. Look for a persistent upshift in the Market Action Index before we see prices move significantly from here. $2.0M

$1.5M

$1.0M

$500K

$0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

7-Day Average

Feb 2020

Jun 2020

Oct 2020

Feb 2021

90-Day Average

Segments

In the quartile market segments, we see the market's price weakness almost across the board. Prices in Quartile 4 have been mixed recently, while the rest of the market is trending downward. Look for a strong, persistent up shift in the Market Action Index as a leading indicator of the trough in the market. $3.0M $2.5M

$2.0M $1.5M

$1.0M $500K

$0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

Feb 2020

First/Top 90-Day Second/Upper 90-Day Fourth/Bottom 90-Day

Jun 2020

Oct 2020

Feb 2021

Third/Lower 90-Day

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Hubbard, OR 97032

Price Per Square Foot

The market plateau is seen across the price and value. The price per square foot and median list price have both been reasonably stagnant. Watch the Market Action Index for persistent changes as a leading indicator before the market moves from these levels. $1.3K

$1.0K

$750

$500

$250

$0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

7-Day Average

Feb 2020

Jun 2020

Oct 2020

Feb 2021

90-Day Average

Inventory

Inventory has been climbing lately. Note that rising inventory alone does not signal a weakening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is keeping up with available supply.

40

30

20

10

0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

7-Day Average

Feb 2020

Jun 2020

Oct 2020

Feb 2021

90-Day Average

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Hubbard, OR 97032

Market Action Index

Home sales continue to outstrip supply and the Market Action Index has been moving higher for several weeks. This is a Seller’s market so watch for upward pricing pressure in the near future if the trend continues.

125

100

75

50

25

0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

7-Day Average

Feb 2020

Jun 2020

Oct 2020

Feb 2021

90-Day Average

Market Action Segments

Three of the four quartiles of this zip code are in the Seller’s Market zone with relatively low amounts of inventory given the current levels of demand. It’s not uncommon that the premium segment of the market takes longer to sell than the rest of the group.

100

80

60

40

20

0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

Feb 2020

First/Top 90-Day Second/Upper 90-Day Fourth/Bottom 90-Day

Jun 2020

Oct 2020

Feb 2021

Third/Lower 90-Day

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Single-Family Homes

Your Local Market Report WFG National Title Company | oregon.wfgnationaltitle.com

Hubbard, OR 97032

Median Days on Market (DOM)

The properties have been on the market for an average of 12 days. Half of the listings have come newly on the market in the past 7 or so days. Watch the 90-day DOM trend for signals of a changing market.

200

150

100

50

0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

7-Day Average

Feb 2020

Jun 2020

Oct 2020

Feb 2021

90-Day Average

Segments

It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles.

300

250

200 150

100 50

0 May 2018

Oct 2018

Feb 2019

Jun 2019

Oct 2019

Feb 2020

First/Top 90-Day Second/Upper 90-Day Fourth/Bottom 90-Day

Jun 2020

Oct 2020

Feb 2021

Third/Lower 90-Day

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4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Animal - Services Name

Address

Telephone

Distance

Meridian Park Veterinary Hosp

6650 Sw Nyberg Rd, #St,Tualati

503-692-3300

4.03 Mi

Paradis, Patrick DVM - Woodbu

985 Evergreen Rd

503-981-4622

4.33 Mi

Willamette Valley Equine

23200 Hubbard Cutoff Rd NE

503-678-4225

4.58 Mi

Harms, Michael L DVM - Harms

26200 S Harms Rd

503-266-4288

7.48 Mi

Calkins Raymond L DVM

9275 SW Barber St

503-682-3737

8.63 Mi

Banks Name

Address

Telephone

Distance

Keybank - Woodburn Office- Ke

3624 Pacific Hwy

503-982-7222

0.43 Mi

Keybank

3624 N Pacific Hwy

503-982-7218

2.35 Mi

West Coast Bank

1755 Mt Hood Ave

503-981-8365

2.86 Mi

Wells Fargo Bank NA - Branch

1530 N Pacific Hwy

503-981-2273

2.90 Mi

Washington Mutual-Financial C

1539 Mt Hood Ave

503-982-2223

2.92 Mi

Coffee Shops Name

Address

Telephone

Distance

Coffee Stop

2285 North Pacific Highway

503-981-7867

2.63 Mi

Starbucks: Safeway-Woodburn #

1550 N Pacific Hwy

503-982-2756

2.93 Mi

Francesca's Coffee House

1220 N Pacific Hwy

503-981-0665

3.23 Mi

Benson's Corner Espresso

13966 Ehlen Rd NE

503-678-2316

3.30 Mi

Starbucks: 111 Arney Road

111 N Arney Rd, #Rd-a

503-981-1758

4.59 Mi

Eating and Drinking Places Name

Address

Telephone

Distance

A-1 Hood Cleaning

18607 Highway 99e

503-982-4620

0.38 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Eating and Drinking Places Name

Address

Telephone

Distance

Homestead Family Restaurant Mocha Delight Drive Thru

3519 3rd St

503-981-7555

0.41 Mi

3564 Pacific Hwy

503-982-2725

0.47 Mi

Taqueria Lopez

3075 E St

503-982-0389

0.49 Mi

Burger Hut

3345 Pacific Hwy

503-982-9268

0.56 Mi

Golf Courses Name

Address

Telephone

Distance

Oregon Golf Association Membe

2990 N Boones Ferry Rd

503-981-6105

3.10 Mi

The OGA Golf Course at Tukwil

2850 Hazelnut Dr

503-981-6105

3.13 Mi

Senior Estates Golf & Country

1776 Country Club Rd

503-981-0189

3.92 Mi

Langdon Farms Golf Club

24377 Airport Rd NE

503-678-4653

6.87 Mi

Children's Course, The

19825 SW Riverview Ln

503-722-1530

7.07 Mi

Grocers and Supermarkets Name

Address

Telephone

Distance

Food 4 Less

2215 National Way

503-982-4031

2.66 Mi

Safeway Food & Drug - Woodbur

1655 Mount Hood Ave

503-981-2250

2.91 Mi

Safeway Food & Drug - Woodbur

1550 N Pacific Hwy

503-982-2756

2.93 Mi

Grocery Outlet

1575 Mount Hood Ave, #120

503-981-9707

2.94 Mi

Shop'n KART

1542 Mount Hood Ave

503-981-3735

2.96 Mi

Health Clubs and Spas Name

Address

Telephone

Distance

KO Fitness Home of Animal Hou

18707 Highway 99e

503-902-0522

0.48 Mi

Shootout Team Sportsplex LLC

2814 Industrial Avenue

503-982-7539

0.87 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Health Clubs and Spas Name

Address

Telephone

Distance

Curves Fitness Center

1585 N Pacific Hwy

503-981-5546

2.90 Mi

1475 Mt Hood Ave

971-983-5230

2.97 Mi

Woodburn Total Fitness

990 N Pacific Hwy

503-981-8557

3.46 Mi

Hospitals - Acute Care Name

Address

Telephone

Distance

Providence Newberg Medical Ce

1001 Providence Dr

503-537-1555

10.58 Mi

Nursing Homes Name

Address

Telephone

Distance

French Prairie Nursing And Re

601 Evergreen Rd

503-982-0111

4.47 Mi

Marquis Care At Hope Village

1577 S Ivy St

503-266-5541

7.15 Mi

Marquis Care At Wilsonville

30900 SW Parkway Ave

503-682-2840

7.70 Mi

Providence Benedictine Nc

540 S Main St

503-845-6841

8.53 Mi

Offices and Clinics of Chiropractors Name

Address

Telephone

Distance

Webb, Ronny O DC - Webb Chiro

2230 N Pacific Hwy

503-981-1267

2.70 Mi

Popp, Roger W DC - Popp Roger

979 Young St, #H

503-981-1254

4.01 Mi

Collins, John J DC - Springbr

1015 N Springbrook Rd

503-538-0618

10.81 Mi

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Woodburn Dental Clinic

1325 N Pacific Hwy

503-981-5160

3.13 Mi

Caba, Nicholas Dds

1018 N Boones Ferry Rd

503-981-1841

3.67 Mi

Tyler, Marvin L Dds

1034 N Boones Ferry Rd

503-982-9428

3.69 Mi

Allen B Kerr Inc

979 Young St

503-981-4095

3.98 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Offices and Clinics of Dentists Name

Address

Mid Valley Family Dental

1240 George St

Offices and Clinics of Medical Doctors Name Address

Telephone

Distance

503-981-5111

4.00 Mi

Telephone

Distance

Williams, Natasha DC - A & D

3694 Pacific Hwy

503-982-8683

0.41 Mi

Farrell, Katherine J DDS - Hu

3489 3rd St

503-982-7777

0.43 Mi

Milroy, David DC - A & D Chir

3694 N Pacific Hwy

503-982-8683

2.13 Mi

Companion Pet Clinic

1683 Mount Hood Ave

503-981-6709

2.90 Mi

Holman, Virginia S - Woodburn

1359 N Pacific Hwy

503-982-0232

3.10 Mi

Pharmacies Name

Address

Telephone

Distance

A&d Chiropractic And Naturopa

3694 Pacific Hwy

503-982-8683

0.37 Mi

Safeway Inc

1550 N Pacific Hwy

503-982-2864

2.87 Mi

Bimart Pharmacy 643

1600 Mt Hood Ave

503-981-2106

2.93 Mi

B & J Custom Dme, Llc.

1335 N Pacific Hwy

503-982-8598

3.11 Mi

Clubmassage

612 Glatt Cir

503-490-2693

3.59 Mi

Places of Religion Name

Address

Telephone

Distance

Hoodview Church Of God

1530 Mount Hood Ave

503-981-1660

2.96 Mi

Zion Mennonite Church

6124 S Whiskey Hill Rd

N/A

3.23 Mi

Church Of Jesus Christ Of Lds

1000 Country Club Rd

503-981-3354

3.44 Mi

Church Of Jesus Christ Of Lds

1220 5th St

503-981-9030

3.58 Mi

Immanuel Lutheran Church

1036 E Lincoln St

N/A

3.63 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

4304 5TH ST HUBBARD OR 97032 R11209 MARION COUNTY OR

Places of Religion Name

Address

Telephone

Distance

Retirement Communities Name

Address

Telephone

Distance

Cascade Park Retirement Commu

950 North Cascade Drive Ofc

503-981-0033

3.94 Mi

Colonial Gardens Residential

1890 Newberg Hwy

503-982-4000

4.12 Mi

Silver Creek Assisted Living

703 Evergreen Rd

503-981-4142

4.45 Mi

Country Meadows

155 S Evergreen Rd

971-983-1100

4.56 Mi

Alc-Rackleff House

655 SW 13th Ave

503-263-6123

6.85 Mi

Veterinary - Emergency Services Name

Address

Telephone

Distance

Birch Street Animal Clinic

145 N Birch St

503-266-5881

7.10 Mi

Village at Main Veterinary Ho

8313 SW Main St, #100

503-570-9735

8.19 Mi

Veterinary - Medicine Name

Address

Telephone

Distance

Companion Pet Clinics

1683 Mount Hood Avenue

503-981-6709

2.87 Mi

Cochell, Deborah D, Dvm - Woo

225 S Pacific Hwy

503-982-2421

4.22 Mi

Canby Veterinary Clinic Incor

26024 S Highway 170

503-266-2768

6.74 Mi

Birch Street Animal Clinic

145 Birch Street

503-266-5881

7.09 Mi

Canby Pregnancy Care Center

149 North Holly Street

503-266-2673

7.47 Mi

The above is believed to be accurate, but is not guaranteed.

Copyright © 1995-2021 CDS Marketing, Inc.

UTILITIES & RESOURCES

UPDATER Organize and complete all your moving-related tasks! WFG National Title has partnered with Updater, a time-saving free tool geared to simplify and ease the process of moving. Look for a personalized Updater invitation after we complete your Title Report.

Registration is totally optional!

Use Updater to: Forward USPS mail Reserve a mover online Update your accounts Connect utilities Hook up home services Search move-in special offers Share moving announcements with friends & family

For more information on Updater, visit;

https://wfgoregon.updater.com/sign-up

HUBBARD UTILITIES 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 Frontier Communications (800) 921-8101 www.frontier.com Verizon (800) 483-4100 www.verizon.com AT&T (800) 288-2020 www.att.com 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 Hubbard Sewer District (503) 829-5600 www.cityofhubbard.org City of Hubbard Water District (503) 829-5600 www.cityofhubbard.org Republic Services (503) 981-1278 www.republicservices.com North Marion School District (503) 678-7100 www.nmarion.k12.or.us

RESOURCE GUIDE ANIMAL CONTROL Humane Society of the Willamette Valley 503-585-5900 4246 TURNER RD SE SALEM Biting, Cruelty, Dead, Injured, Loose Marion County, Animal Control 503-588-5366 CABLE COMPANIES Comcast Cable Services 888-824-8264 Country Cablevision LTD (Salem) 503-588-8247 Uvision / Willamette Broadband (Stayton) 503-767-4443 Willamette Broadband (Woodburn) 503-982-4085 COUNTY & GOVERNMENT NUMBERS Adult Family Services 503-378-2731

DMV http://egov.oregon.gov/ODOT/DMV/ North Salem 503-378-8041 South Salem 503-378-8041 Dallas 503-623-4556 Woodburn 503-982-9961 Stayton 503-769-4427 Albany 541-967-2014 Corvallis 541-757-4191 Lebanon 541-451-1145 ELECTRIC COMPANIES

Better Business Bureau 503-226-3981

Portland General Electric Co 503-399-7717 800-544-1795

Business Information 503-986-2222

Pacific Power 888-221-7070

Children Services 503-378-6704

GAS COMPANIES

Consumer Affairs 503-378-4320

NW Natural Gas 800-523-7661

Marion County 503-588-5037

FERRELLGAS 503-363-3445

National Guard 503-623-2478

AMERIGAS 503-585-6723

Social Security 800-234-5772 State Police 503-378-3720

RESOURCE GUIDE GARBAGE COLLECTION http://apps.co.marion.or.us/haulers/ Capitol Recycling & Disposal 503-363-8890 D & O Garbage Service 503-363-7923 Pacific Sanitation, Inc. 503-393-1031 N. Marion Recycling & Disposal 503-463-1831 Santiam Sanitary Service Inc. 503-749-1055 Suburban Garbage Service 503-362-4949 United Disposal Service 503-981-1278 Valley Recycling & Disposal 503-585-4300 Loren's Sanitation Service 503-393-2262

RESOURCE AND REFERRAL CENTERS Silverton 503-873-8330 Stayton 503-769-3137 Woodburn 503-982-8212 SCHOOLS www.greatschools.net Salem Keizer School District 24-J 503-399-3000 www.salemkeizer.org TELEPHONE SERVICES Qwest 800-244-1111 GTE Northwest 800-483-4100 AUMSVILLE, SILVERTON, TURNER

Trash and Junk (Private Property) Community Enforcement 503-588-6471

Gervais Telephone Co 503-792-3611

OTHER INFORMATION

503-769-2121

Crime Prevention / Police Department 503-588-6499

Mt Angel Telephone Co 503-845-2291

Graffiti Hotline 503-371-4264

Peoples' Telephone Co 503-859-2136

Neighbor to Neighbor Mediation Service 503-585-0651

MILL CITY, LYONS

Burning Information / Fire Department 503-588-6420 Street Tree Info and Problems Community Services, Parks Operations 503-588-6336 Locating/Marking for Excavation Salem/Keizer Utilities, Notification Center 800-332-2344

Stayton Cooperative Telephone Co

Oregon Telcom 888-588-1888 3991 FAIRVIEW INDUSTRIAL DR. SE

RESOURCE GUIDE TRANSPORTATION Carpool Information 503-371-POOL Bike Paths/Maps Public Works, Traffic 503-588-6211 Bus Schedules/Information Cherriots(SALEM) 503-588-2877 Abandoned Autos and Parts Community Service 503-588-6471 Blocking Driveway or Illegally Parked Police Department 503-588-6123 Towed Autos / Police Department 503-588-6144 WATER SERVICE Billing Information Public Works, Customer Service 503-588-6099 New Hookups, Permits Public Works (PAC) 503-588-6211 Service/Repair, Move In/Move Out Public Works, Customer Service 5036-588-6099 Water Conservation Public Works, Customer Service 503-588-6211 24-Hour Message Line 503-361-2212 Sewer Information Permit Application Center 503-588-6211

U.S. POST OFFICE www.usps.com Salem 410 Mill St SE 400 Glen Creek Rd NW 1050 Sunnyview Rd NW 1050 25th St SE 3624 Commercial St SE 222 Claxter Rd NE Keizer 5454 River Rd N Turner 7230 3rd St SE Independence 216 S 2nd St Aumsville 320 Main St Silverton 210 N Water St Sublimity 211 NW Starr St Dallas 768 W Church St Mt Angel 90 N Garfield St Monmouth 437 Clay St E VOTER REGISTRATION www.oregonvotes.org/register.htm

TITLE & ESCROW

CYBER SECURITY Because of you… we obsess over cyber security!

Cyber fraud and email hacking is 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 dispersed 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 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/

WHY IS OWNER’S TITLE INSURANCE 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 Lender  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 The Escrow Agent  Clears Title  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

What’s involved in a title search?

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).

A title search is actually made up of three separate searches:

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 for 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.

• 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, the title company will issue a commitment, 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 FOR WHAT IN OREGON Buyer’s Customary Escrow Fee Responsibilities

Seller’s Customary Escrow Fee Responsibilities

Typical Costs

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

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 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

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

DISCLAIMER: This information is provided for informational purposes only and no warranties are made.

TITLE VESTING 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”.

DISCLAIMER – The foregoing contains informational examples only and is not to be construed as legal advice. Given the complexities involved in acquiring and holding legal title to real property, WFG strongly recommends that you seek legal advice from an attorney prior to doing so.

WFG OFFICE LOCATIONS

1

2

3

ADMINISTRATIVE

4

LLOYD

7

DOWNTOWN VANCOUVER

CLACKAMAS

5

NW PDX/ COMMERCIAL

8

SALMON CREEK

LAKE OSWEGO

6

SUNSET

9

VANCOUVER MALL

12909 SW 68th Pkwy. Ste. 350 Portland, OR 97223 503-431-8500 9200 SE Sunnybrook Blvd. Ste. 350 Clackamas, OR 97015 503-353-9975 5885 Meadows Rd. Ste. 150 Lake Oswego, OR 97035 503-624-4900

1625 NE Weidler Street Portland, OR 97232 503-230-8488 25 NW 23rd Pl. Ste. 1 Portland, OR 97210 503-219-9088

2430 NW 206th Ave. Ste. 125 Beaverton, OR 97006 503-533-9510

101 E 6th St. Ste. 125 Vancouver, WA 98660 360-314-0300

2105 NE 129th St. Ste. 107 Vancouver, WA 98686 360-314-1818 5101 NE 82nd Ave. Ste. 102 Vancouver, WA 98662 360-891-5454

We created WFG’s MyHome® to make the closing experience better for everyone.

MyHome® provides unparalleled transparency, real time updates and post-closing home information in a secure web environment. This gives a personalized experience for tracking the progress of your real estate transaction. Fully responsive, mobile-first and built with you and your clients in mind.

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CONSUMER EXPERIENCE TIMELINE TRANSACTION STARTED

TITLE REPORT DELIVERED

UPDATER INVITATION

NEARING YOUR SIGNING

TRANSACTION CLOSES

MyHome® notifications start triggering to the Client once the order has been opened.

Notification is sent after Title Report is completed.

Notification is sent in conjunction with Title Cleared notification.

Notification (video, when applicable) is sent five days after Title Cleared Notification.

Notification sent one day after transaction is marked recorded.

EARNEST MONEY

MIDPOINT FEEDBACK

TITLE CLEARED

SIGNING SCHEDULED

Notification is sent when EM is received

by Escrow.

Notification is sent 10 days after Title Report is completed.

Notification is sent once all title curative items are received and ready for closing.

Notification is sent to both Buyer and Seller.

All notifications include a link that can be used for registration and access to your MyHome® dashboard post registration.

KEEP Notification is sent to Buyers every 90 days.

GET 5 STARS Invitation to provide feedback and rate your experience. Sent 3 days after transaction closes.

COVENANTS, CONDITIONS & RESTRICTIONS

Covenants, Conditions & Restrictions Our search found no CC&R’s of record for this property.

However, no examination of title has been made and WFG National Title assumes no liability.