575 NW Lamonde Terrace, Portland, OR

HOME & COMMUNITY 575 NW LAMONDE TER PORTLAND, OR 97229

C O N T E N T S 1. Pr o p e r t y D e t ai l s 2. Ma p s 3. L o c al S ch o o l s 4. C o m m u n i t y 5. U t i l i t i e s & R e s o u rc e s 6. T itl e & E s c r o w

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

P R O P E R T Y

P RO P E RT Y D E TA I L S PROPERTY ADDRESS

575 NW LAMONDE TER PORTLAND, OR 97229 OWNER INFORMATION OWNER NAME:

Ziobro, Randy Thomas

VESTING: MAILING ADDRESS:

575 NW Lamonde Ter Portland OR 97229

OWNER STATUS:

Owner occupied

LOCATION DESCRIPTION COUNTY:

Washington

CENSUS / BLOCK:

030102 / 1002

TSP - RNG - SEC:

01N - 01W - 34

LOT / BLOCK:

23 /

HOUSING TRACT:

Autumn Creek

ALT PARCEL #:

R2095680

SCHOOL DISTRICT:

Beaverton

MUNICIPALITY:

Autumn Creek

PARCEL #:

R2095680

LAST MARKET SALE

b

PRIOR SALE

DATE:

03/17/2011

DATE:

03/30/2005

SALE PRICE:

$319,500

SALE PRICE:

$331,900

DOCUMENT #:

2011021470

DOCUMENT #:

33283

DOC TYPE:

Deed

DOC TYPE:

Deed

SQUARE FOOT $:

$160.47

LENDER:

LENDER:

PREMIER MTG RSRCS LLC LOAN:

LOAN:

$311,400

LOAN TYPE:

FHA

LOAN TERM:

30 Y

LOAN TYPE:

$265,500

P RO P E RT Y D E TA I L S PROPERTY ADDRESS

575 NW LAMONDE TER PORTLAND, OR 97229

b

3

3

2,091

0.08

BED

BATH

SQ FT

ACRES

PROPERTY CHARACTERISTICS GROSS AREA:

2,091

LIVING AREA:

PROPERTY INFORMATION

ABOVE GRADE: BEDROOMS:

3

BATHROOMS:

3

FIREPLACE:

0

YEAR BUILT:

2004

PARKING TYPE:

Finished Garage

UNITS:

Residential Improved

ZONING:

Low Density Residential Distric

COUNTY USE:

Residence Single Family

LOT ACRES:

0.08

STATE USE: LOT SQ FT:

3,485

LEN / WID:

BASEMENT: GARAGE AREA:

400

ROOF SHAPE:

Gable

TAXES AND ASSESSMENT INFORMATION

FOUNDATION:

01 Composition

ASSD YEAR:

ROOF MATERIAL:

2021

Wood

ASSD VALUE:

CONSTRUCTIONS:

$304,350

HEAT TYPE:

Forced Air

COOLING TYPE: EXTERIOR WALL:

Wood Sheathing

TAXABLE VAL: TAX YEAR:

2021

LAND VALUE:

$208,920

MKT VALUE:

ROOMS:

$494,450

TAX AREA:

QUALITY:

51.50

IMP VALUE:

INTERIOR WALL:

$285,530

EXEMPTIONS:

PORCH TYPE:

PROPERTY TAX:

PATIO TYPE:

$5,459.13

IMPROVED %:

AIR COND:

58

DISTRICT:

FIXTURES: FLOOR: EQUIPMENT: STORIES: POOL: CONDITION: b

LAND USE:

AREA HISTORY PROPERTY ADDRESS

575 NW LAMONDE TER PORTLAND, OR 97229

AVERAGES b b 2018 b 2019 b 2020 b 2021 b 2022

BEDROOMS

BATHROOMS

SQUARE FOOT

PRICE

SQ FT PRICE

3

2.75

2,439

$401,395

$146

3

2.75

2,349

$483,329

$201

3

2.75

2,416

$391,541

$144

3

2.75

2,376

$383,169

$163

3

2.75

2,333

$466,887

$211

AVERAGE SALE PRICE

AVERAGE PRICE PER SQ FT

DEMOGRAPHICS PROPERTY ADDRESS

575 NW LAMONDE TER PORTLAND, OR 97229

FEMALE POPULATION | 42,709

HOUSING INFO

HOUSEHOLD INFO

2FFXSLHG

9DFDQW

7RWDO 8QLWV

5XUDO

8UEDQ

MALE POPULATION | 41,850

Male Head of Household

6.10%

Female Head of Household

13.82%

Married w/ Minors

39.13%

Married w/o Minors

40.95%

Male w/ Minors

3.09%

Female w/ Minors

8.45%

M A P S

ASSESSOR MAP

STREET

AERIAL MAP

CITY BOUNDARY MAP

S C H O O L S

SCHOOLS Beaverton School District ELEMENTARY SCHOOLS NAME:

Cedar Mill Elementary School

CHARTER SCHOOL:

ADDRESS:

10265 Nw Cornell Rd

MAGNET SCHOOL:

CITY, STATE, ZIP:

Portland, OR 97229

AREA DESCRIPTION:

21-Suburb: Large

PHONE:

(503)356-2050

DISTANCE:

0.41 mile(s)

GRADES:

Kindergarten - 5th Grade

TITLE ONE:

2-No

NAME:

St Pius X School

CHARTER SCHOOL:

ADDRESS:

1260 Nw Saltzman Rd

MAGNET SCHOOL:

CITY, STATE, ZIP:

Portland, OR 97229

AREA DESCRIPTION:

21-Suburb: Large

DISTANCE:

0.81 mile(s)

PHONE: GRADES:

Kindergarten - 8th grade

No

TITLE ONE:

MIDDLE SCHOOLS NAME:

Tumwater Middle School

CHARTER SCHOOL:

2-No

ADDRESS:

650 Nw 118th Ave

MAGNET SCHOOL:

0

CITY, STATE, ZIP:

Portland, OR 97229

AREA DESCRIPTION:

PHONE:

(503)356-2720

DISTANCE:

GRADES:

6th Grade - 8th Grade

TITLE ONE:

NAME:

Cedar Park Middle School

CHARTER SCHOOL:

ADDRESS:

11100 Sw Park Way

MAGNET SCHOOL:

CITY, STATE, ZIP:

Portland, OR 97225

AREA DESCRIPTION:

13-City: Small

PHONE:

(503)356-2560

DISTANCE:

1.22 mile(s)

GRADES:

6th Grade - 8th Grade

TITLE ONE:

2-No

No

1.22 mile(s)

No

HIGH SCHOOLS NAME:

Sunset High School

CHARTER SCHOOL:

ADDRESS:

13840 Nw Cornell Rd

MAGNET SCHOOL:

CITY, STATE, ZIP:

Portland, OR 97229

AREA DESCRIPTION:

13-City: Small

PHONE:

(503)356-2960

DISTANCE:

1.50 mile(s)

GRADES:

9th Grade - 12th Grade

TITLE ONE:

2-No

CHARTER SCHOOL:

No

NAME: ADDRESS: CITY, STATE, ZIP: PHONE: GRADES:

Arts And Communication Magnet Academy 11375 Sw Center St Beaverton, OR 97005 (503)356-3670 6th Grade - 12th Grade

MAGNET SCHOOL: AREA DESCRIPTION:

13-City: Small

DISTANCE:

2.03 mile(s)

TITLE ONE:

2-No

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Tumwater Middle School

650 NW 118th Ave Portland, OR 97229

Main O ce: 503-356-2720

Attendance: 503-356-2721

Registrar: 503-356-2731 Fax: 503-356-2725

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ABOUT US

Tumwater means “waterfall” in Chinuk Wawa, a contact language used by tribes in the PaciÖc Northwest, including the Atfalati band of the Kalapuya who lived in the Cedar Mill area. Tumwater refers to the neighborhood’s most prominent — yet hidden — natural feature, the Cedar Mill Creek Waterfall, just east of Cedar Mill Bible Church and only a 3-minute walk from the middle school. In addition to being the site of the Örst mill in the area (and namesake of the Cedar Mill community), the falls are believed to have been an important gathering place and possible Öshing spot for the Atfalati.

Native American elements were already incorporated in the middle school’s design. Kalapuya baskets inspired the brickwork pattern on the exterior of the school. The District and school administrators have already started to talk about possible learning opportunities involving STEM-based creek and land restoration projects or on-site community gardens with Native plants, in conjunction with THPRD and our tribal partners.

Thank you to the Native American Parent Committee (NAPAC) and our tribal partners who assisted in this process.

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C O M M U N I T Y

CITY OF PORTLAND 652,503

$40,146

35

49.54%

50.46%

POPULATION

MEDIAN INCOME

MEDIAN AGE

MALE

FEMALE

2020 CENSUS DATA

2010 CENSUS DATA

2010 CENSUS DATA

2010 CENSUS DATA

2010 CENSUS DATA

Portland is the largest city in the U.S. state of Oregon and the seat of Multnomah County. It is a major port in the Willamette Valley region of the Pacific Northwest, at the confluence of the Willamette and Columbia rivers. As of 2020, Portland had a population of 652,503, making it the 25th most populated city in the United States, the sixth-most populous on the West Coast and the second most populous in the Pacific Northwest, after Seattle. Approximately 47% of Oregon’s population resides within the Portland metro area.

SCHOOL DISTRICTS SCH

AGE DEMOGRAPHIC

x x x

x x x x x

Portland David Douglas Reynolds

x x x

Centennial Parkrose Riverdale

HOUSING x x

53.75% of homes owner occupied 46.25% of homes rented

POPULATION DENSITY x x

4,375.2 inhabitants per sq. mile 265,439 housing units at an average density of 1,989.4 per square mile

21.1% under age 18 10.3% between ages 18 to 24 34.7% between ages 25 to 44 22.4% between ages 45 to 64 11.6% above age 65

CITY QUICK FACTS x x x x x x

Largest city in Oregon 145 square miles 50 feet elevation 25th most populous city in the US Highest Average Temperature 81.1 Lowest Average Temperature 35.2

HISTORY Named after Portland, Maine, the Oregon settlement began to be populated in the 1830s near the end of the Oregon Trail. Its water access provided convenient transportation of goods, and the timber industry was a major force in the city's early economy. At the turn of the 20th century, the city had a reputation as one of the most dangerous port cities in the world, a hub for organized crime and racketeering.

METRO AREA BASE MAP

LOCAL BUSINESSES Gas Station Name

Address

Telephone

Distance

Shell

12805 NW Cornell Rd, Portland, OR 97229, USA

(503) 641-8607

0.57cmiles

Shell

10275 SW Park Way, Portland, OR 97225, USA

(503) 292-7929

0.68cmiles

Chevron

120 NW Murray Blvd, Portland, OR 97229, USA

(503) 644-9690

0.79cmiles

Chevron

13675 NW Cornell Rd, Portland, OR 97229, USA

(503) 643-2174

0.86cmiles

Name

Address

Telephone

Distance

Bridgeport Auto Group

11507 SW Shilo Ln, Portland, OR 97225, USA

(503) 753-5205

0.40cmiles

MG Company

Portland, OR 97225, USA

King Richard's Used Cars

14207 NW Science Park Dr, Portland, OR 97229, USA

(503) 805-7031

1.07cmiles

Luxury Auto Plex

8555 SW Canyon Rd, Portland, OR 97225, USA

(503) 866-1033

1.31cmiles

Name

Address

Telephone

Distance

Du Fresne's Auto Service

10690 NW Cornell Rd, Portland, OR 97229, USA

(503) 646-2940

0.12cmiles

12930 NW Cornell Rd, Portland, OR 97229, USA

(503) 747-5780

0.61cmiles

Kevork's Auto Care

10275 SW Park Way, Portland, OR 97225, USA

(503) 292-0974

0.68cmiles

Buick GMC of Beaverton Service & Auto Repair Shop

9155 SW Canyon Rd, Portland, OR 97225, USA

(503) 298-4062

1.28cmiles

Car Dealer

0.51cmiles

Car Repair

Matrix Integrated Westside

LOCAL BUSINESSES Car Wash Name

Address

Telephone

Distance

Xpresso Lube

12780 NW Cornell Rd, Portland, OR 97229, USA

(503) 646-0863

0.55cmiles

Kaady Car Washes

14740 NW Cornell Rd, Portland, OR 97229, USA

(503) 645-8661

1.27cmiles

Kaady Car Washes

10270 SW Canyon Rd, Beaverton, OR 97005, USA

(503) 641-8669

1.36cmiles

National Pride Car Wash

3645 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(503) 626-9584

1.44cmiles

Name

Address

Telephone

Distance

RO16 Salon and Spa

11800 NW Cedar Falls Dr #104, Portland, OR 97229, USA

(503) 941-5961

0.36cmiles

Identity Hair & Spa

495 NW Saltzman Rd, Portland, OR 97229, USA

(503) 836-7996

0.52cmiles

Platinum Salon and Day Spa

13305 NW Cornell Rd Suite D, Portland, OR 97229, (503) 649-5100 USA

0.69cmiles

Salon 26

10215 SW Park Way, Portland, OR 97225, USA

(503) 292-9000

0.70cmiles

Address

Telephone

Distance

(503) 208-4709

0.74cmiles

(971) 888-5081

0.83cmiles

Beauty Salon

Electrician Name Falcon Services Young Electric Fred Joules Electricians

10180 SW Park Way Ste. C, Portland, OR 97225, USA Willshire, Professional Building, 9999 SW Wilshire St #221, Portland, OR 97225, USA

LLC

8644 SW Canyon Rd #1590, Portland, OR 97225, USA

(503) 994-5517

1.31cmiles

Mike's Electric

11070 SW Allen Blvd, Beaverton, OR 97005, USA

(503) 649-6991

2.07cmiles

LOCAL BUSINESSES Insurance Agency Name

Address

Telephone

Distance

Insurance Lounge

11835 NW Cedar Falls Dr #115, Portland, OR 97229, (503) 233-3301 USA

Aaron Stoker American Family Insurance

11640 SW Corby Dr, Portland, OR 97225, USA

(503) 643-9922

0.41cmiles

Peninsula Insurance

12700 NW Cornell Rd, Portland, OR 97229, USA

(503) 644-5333

0.54cmiles

Reggie Reginald: Allstate Insurance

12845 NW Cornell Rd, Portland, OR 97229, USA

(503) 641-5464

0.56cmiles

Name

Address

Telephone

Distance

Smoove Movers LLC

12228 NW Barnes Rd #87, Portland, OR 97229, USA

(503) 719-9862

0.46cmiles

Oregon Moving Labor Services

9650 SW Canyon Rd, Portland, OR 97225, USA

(503) 857-3344

1.37cmiles

Portland Move

3720 SW 141st Ave unit 208, Beaverton, OR 97005, (971) 226-6687 USA

1.64cmiles

O'Neill Transfer & Storage Co

11035 SW 11th St #270, Beaverton, OR 97005, USA

(503) 226-3055

1.81cmiles

Name

Address

Telephone

Distance

ESP Painting, Inc.

10208 SW Park Way, Portland, OR 97225, USA

(503) 372-7981

0.71cmiles

MBK Painting

11112 NW Crystal Creek Ln, Portland, OR 97229, USA

(503) 773-4957

0.98cmiles

Two Brothers Painting, LLC

4385 SW 109th Ave, Beaverton, OR 97005, USA

(503) 820-1832

1.52cmiles

COLMAN PAINTING LLC

Beaverton, OR 97005, USA

(503) 896-4193

1.54cmiles

0.37cmiles

Moving Company

Painter

LOCAL BUSINESSES Plumber Name

Address

Telephone

Distance

A-Reaction Rooter Corporation

795 NW 107th Ave, Portland, OR 97229, USA

(503) 803-0816

0.09cmiles

Precision Plumbing Co.

10569 NW Lost Park Dr, Portland, OR 97229, USA

(503) 348-9606

0.32cmiles

Cornel's Plumbing Inc.

14271 NW Science Park Dr, Portland, OR 97229, USA

(503) 558-2045

1.08cmiles

All Pro Plumbing Services LLC

15712 NW Overton Dr, Beaverton, OR 97006, USA

(503) 506-6916

1.55cmiles

Name

Address

Telephone

Distance

Public Storage

11995 SW Corby Dr, Portland, OR 97225, USA

(503) 563-4794

0.40cmiles

A-Accessible | Next To You Storage Units

13535 NW Cornell Rd, Portland, OR 97229, USA

(503) 382-8499

0.80cmiles

Northwest Self Storage

9065 SW Canyon Rd, Portland, OR 97225, USA

(503) 292-1434

1.30cmiles

Bronson Mini Storage

16120 NW Bronson Rd, Beaverton, OR 97006, USA

(503) 614-0632

1.65cmiles

Name

Address

Telephone

Distance

Wells Fargo Bank

11084 SW Barnes Rd, Portland, OR 97225, USA

(503) 641-7884

0.37cmiles

U.S. Bank Branch

12550 NW Cornell Rd, Portland, OR 97229, USA

(503) 643-8365

0.49cmiles

Bank of America Financial 12600 NW Cornell Rd, Portland, OR 97229, USA Center

(503) 641-4289

0.52cmiles

KeyBank

(503) 626-3910

0.77cmiles

Storage

Bank

805 NW Murray Blvd, Portland, OR 97229, USA

LOCAL BUSINESSES Post Offi Offfice Name

Address

Telephone

Distance

USPS Collection Box Blue Box

15210 NW Greenbrier Pkwy, Beaverton, OR 97006, USA

United States Postal Service

3225 SW 87th Ave, Portland, OR 97225, USA

(800) 275-8777

1.34cmiles

United States Postal Service Delivery Carrier Unit

8816 SE 17th Ave, Portland, OR 97202, USA

(503) 232-9566

5.13cmiles

Name

Address

Telephone

Distance

TVF&R Station 60

8585 NW Johnson St, Portland, OR 97229, USA

(503) 649-8577

0.76cmiles

Portland Fire & Rescue Station 27

3130 NW Skyline Blvd, Portland, OR 97229, USA

(503) 203-0003

1.25cmiles

Skyline Fire Station

1711 SW Skyline Blvd, Portland, OR 97221, USA

Portland Fire & Rescue

3660 NW Front Ave, Portland, OR 97210, USA

(503) 823-3700

2.77cmiles

Address

Telephone

Distance

Sheriff's Office - East Precinct

3700 SW Murray Blvd, Beaverton, OR 97005, USA

(503) 846-5900

1.70cmiles

Washington County Sheriff Bethany

4876 NW Bethany Blvd L5, Portland, OR 97229, USA

(503) 846-5570

1.94cmiles

Beaverton Police Department

6020 SW Main Ave, Beaverton, OR 97008, USA

Beaverton Police Department

6125 SW Hall Blvd, Beaverton, OR 97008, USA

1.33cmiles

Fire Station

1.71cmiles

Police Station Name Washington County

2.11cmiles (503) 526-2261

2.13cmiles

LOCAL BUSINESSES Hospital Name

Address

Telephone

Distance

The Oregon Clinic

9701 SW Barnes Rd, Portland, OR 97225, USA

(503) 297-8081

0.68cmiles

Providence St. Vincent Medical Center Family Maternity Center

9205 SW Barnes Rd, Portland, OR 97225, USA

(503) 216-1234

0.79cmiles

Cedar Hills Hospital

10300 SW Eastridge St, Portland, OR 97225, USA

(503) 944-5000

0.80cmiles

Providence Multiple Sclerosis Center

9135 SW Barnes Rd #461, Portland, OR 97225, USA

(503) 216-1150

0.82cmiles

Name

Address

Telephone

Distance

Rite Aid

11190 SW Barnes Rd, Portland, OR 97225, USA

(503) 526-9121

0.37cmiles

Pharmaca Integrative Pharmacy

240 NW Lost Springs Terrace, Portland, OR 97229, USA

(503) 596-3565

0.41cmiles

CVS

12555 NW Cornell Rd, Portland, OR 97229, USA

(503) 495-4157

0.50cmiles

Safeway Pharmacy

13485 NW Cornell Rd, Portland, OR 97229, USA

(503) 350-2086

0.76cmiles

Pharmacy

Urgent Care Name

Address

Telephone

Distance

ZOOM+Care

2695 SW Cedar Hills Blvd #180, Beaverton, OR 97005, USA

(503) 684-8252

1.13cmiles

Care

2870 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(503) 646-9222

1.18cmiles

OHSU Immediate Care Clinic, Beaverton

15700 SW Greystone Ct, Beaverton, OR 97006, USA

(503) 494-1700

1.53cmiles

Urgent Care | Kaiser Permanente Beaverton Office

4855 SW Western Ave, Beaverton, OR 97005, USA (503) 813-2000

1.65cmiles

Legacy-GoHealth Urgent

LOCAL BUSINESSES Veterinary Care Name

Address

Telephone

Distance

Banfield Pet Hospital

11800 NW Cedar Falls Dr Suite 100, Portland, OR 97229, USA

(503) 469-0415

0.36cmiles

Cedar Mill Veterinary Hospital

12790 NW Barnes Rd, Portland, OR 97229, USA

(503) 644-3101

0.57cmiles

(503) 292-0931

0.68cmiles

2425 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(503) 643-2137

1.03cmiles

Name

Address

Telephone

Distance

KingPins Family Entertainment Center

2725 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(503) 646-1116

1.17cmiles

SuperPlay

9300 SW Beaverton Hillsdale Hwy, Beaverton, OR (503) 292-3523 97005, USA

Viking Gameroom, Billiards & Bowling Alley

1825 SW Broadway #36, Portland, OR 97201, USA

(503) 725-4490

3.22cmiles

Punch Bowl Social Portland

340 SW Morrison St #4305, Portland, OR 97204, USA

(503) 334-0360

3.43cmiles

Name

Address

Telephone

Distance

Jantzen Beach RV Park

1503 N Hayden Island Dr, Portland, OR 97217, USA (503) 289-7626

5.03cmiles

Roamers Rest RV Park

17585 SW Pacific Hwy, Tualatin, OR 97062, USA

(503) 692-6350

5.64cmiles

DEBRAS

10253 SE B St, Milwaukie, OR 97222, USA

Vancouver RV Park

7603 NE 13th Ave, Vancouver, WA 98665, USA

Veterinary Surgical Center 10245 SW Park Way, Portland, OR 97225, USA of Portland Northwest Exotic Pet Vet

Bowling Alley

1.76cmiles

Campground

5.76cmiles (360) 695-1158

7.68cmiles

LOCAL BUSINESSES Gym Name

Address

Telephone

Distance

Orangetheory Fitness

11800 NW Cedar Falls Dr #108, Portland, OR 97229, USA

(503) 427-1915

0.37cmiles

LA Fitness

2800 SW Hocken Ave, Beaverton, OR 97005, USA

(503) 627-0737

1.26cmiles

VillaSport Athletic Club And Spa

13900 SW Meridian St, Beaverton, OR 97005, USA (971) 317-2600

1.36cmiles

(503) 671-6453

1.41cmiles

Bo Jackson Fitness Center 1 One Bowerman Dr, Beaverton, OR 97005, USA

Library Name

Address

Telephone

Distance

Cedar Mill Library

12505 NW Cornell Rd #13, Portland, OR 97229, USA

(503) 644-0043

0.51cmiles

West Slope Community Library

3678 SW 78th Ave, Portland, OR 97225, USA

(503) 292-6416

1.63cmiles

Beaverton City Library

12375 SW 5th St, Beaverton, OR 97005, USA

(503) 644-2197

1.77cmiles

Bethany Library

15325 NW Central Dr Suite J-8, Portland, OR 97229, USA

(503) 617-7323

1.90cmiles

Name

Address

Telephone

Distance

Century 16 Cedar Hills

3200 SW Hocken Ave, Beaverton, OR 97005, USA

(503) 520-0892

1.30cmiles

Regal Evergreen Parkway & RPX

2625 NE 106th Ave, Hillsboro, OR 97124, USA

(844) 462-7342

2.55cmiles

Cinema 21

616 NW 21st Ave, Portland, OR 97209, USA

(503) 223-4515

2.87cmiles

St. Johns Twin Cinemas

8704 N Lombard St, Portland, OR 97203, USA

(503) 286-1768

3.05cmiles

Movie Theater

LOCAL BUSINESSES Park Name

Address

Telephone

Foege Park

125 NW Cedar Hills Blvd, Portland, OR 97229, USA (503) 645-6433

0.14cmiles

Tualatin Hills Park

Access N end of 107th, N of Cornell, NW Reeves St, Portland, OR 97229, USA

0.26cmiles

Cedar Mill Creek Overlook Park

545 NW Lost Springs Terrace, Portland, OR 97229, USA

0.35cmiles

Lost Park

Portland, OR 97229, USA

0.46cmiles

(503) 619-3962

Distance

Bakery Name

Address

Telephone

Distance

Grand Central Bakery

12595 NW Cornell Rd, Portland, OR 97229, USA

(503) 808-9878

0.53cmiles

Safeway Bakery

13485 NW Cornell Rd, Portland, OR 97229, USA

(503) 350-2080

0.77cmiles

Paris Baguette

2725 SW Cedar Hills Blvd Suite 105, Beaverton, OR 97005, USA

Crumbl Cookies Beaverton

2725 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(503) 985-6934

1.16cmiles

Name

Address

Telephone

Distance

Bleachers Beaverton Sports Bars & Grill

575 NW Saltzman Rd, Portland, OR 97229, USA

(503) 643-1711

0.52cmiles

Coach's Bar & Grill

10162 SW Park Way, Portland, OR 97225, USA

(503) 203-8250

0.74cmiles

Greek Village

301 NW Murray Blvd, Portland, OR 97229, USA

(503) 643-2119

0.81cmiles

Cascadia Taphouse

13619 NW Cornell Rd, Portland, OR 97229, USA

(503) 395-4615

0.84cmiles

1.16cmiles

Bar

LOCAL BUSINESSES Coffee Name

Address

Telephone

Distance

Sunrise Bagels Beaverton

5368 10902, SW Barnes Rd, Portland, OR 97225, USA

(503) 626-2783

0.41cmiles

Insomnia Coffee Co Cedar Mill

12535 NW Cornell Rd, Portland, OR 97229, USA

(503) 707-1776

0.50cmiles

Grand Central Bakery

12595 NW Cornell Rd, Portland, OR 97229, USA

(503) 808-9878

0.53cmiles

Jim & Patty's Coffee

2025 NW Miller Rd, Portland, OR 97229, USA

0.65cmiles

Meal Delivery Name

Address

Telephone

Distance

All Ways Hungry

Beaverton, OR 97005, USA

(503) 421-2908

1.41cmiles

Dream Dinners

1800 NW 169th Pl A400, Beaverton, OR 97006, USA

(503) 614-8800

1.88cmiles

Stella's Kitchen

12125 SW Allen Blvd #4720, Beaverton, OR 97005, USA

(971) 361-9925

2.05cmiles

Infinity love

18244 NW Walker Rd Suite D, Beaverton, OR 97006, USA

(908) 422-1620

2.26cmiles

Name

Address

Telephone

Distance

Panda Express

11192 SW Barnes Rd, Portland, OR 97225, USA

(503) 520-8629

0.35cmiles

Outback Steakhouse

11146 SW Barnes Rd, Portland, OR 97225, USA

(503) 643-8007

0.36cmiles

Sushi Mioga

11835 NW Cedar Falls Dr, Portland, OR 97229, USA (503) 372-5569

0.37cmiles

By Design Pizza

11800 NW Cedar Falls Dr #110, Portland, OR 97229, USA

0.37cmiles

Restaurant

(503) 716-8663

LOCAL BUSINESSES Furniture Store Name

Address

Telephone

Distance

Relax The Back Beaverton

2750 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(503) 643-1088

1.12cmiles

Aaron's

11415 SW Canyon Rd, Beaverton, OR 97005, USA

(503) 643-4333

1.44cmiles

Parker Furniture Design

10375 SW Beaverton Hillsdale Hwy, Beaverton, OR (503) 644-0155 97005, USA

1.57cmiles

Gallery Furniture

10225 SW Beaverton Hillsdale Hwy, Beaverton, OR 97005, USA

(503) 520-1028

1.60cmiles

Name

Address

Telephone

Distance

Market of Choice - Cedar Mill - Portland, OR

250 NW Lost Springs Terrace, Portland, OR 97229, (503) 596-3592 USA

0.39cmiles

The Little Store

8998 SW Leahy Rd, Portland, OR 97225, USA

(971) 865-5956

0.70cmiles

Safeway

13485 NW Cornell Rd, Portland, OR 97229, USA

(503) 350-2080

0.77cmiles

QFC

7525 SW Barnes Rd, Portland, OR 97225, USA

(503) 203-0027

1.10cmiles

Name

Address

Telephone

Distance

Home Services at The Home Depot

13700 NW Science Park Dr, Portland, OR 97229, USA

(503) 862-6916

0.85cmiles

Portland, OR 97225, USA

(503) 297-1170

0.86cmiles

PO Box 25271, Portland, OR 97298, USA

(503) 780-1275

1.18cmiles

15159 SW Walker Rd, Beaverton, OR 97006, USA

(971) 228-8133

1.39cmiles

Groceries

Home Improvement

Hoffard Home Improvement Co Vanishing Heritage Home Improvement Home Improvement Contractors

LOCAL BUSINESSES Jewelry Store Name

Address

Telephone

Distance

Link Custom Jewelers

13306 NW Cornell Rd, Portland, OR 97229, USA

(503) 543-1723

0.71cmiles

Fine jewellery for every day Contact

2680 SW 87th Ave, Portland, OR 97225, USA

(503) 875-9999

1.22cmiles

Fred Meyer Jewelers

11425 SW Beaverton Hillsdale Hwy, Beaverton, OR (503) 526-1815 97005, USA

1.54cmiles

Stephen Vincent Jewelers

12725 SW Millikan Way Suit 300, Beaverton, OR 97005, USA

(503) 274-7682

1.55cmiles

Name

Address

Telephone

Distance

Cedar Mill Liquor Store

13528 NW Cornell Rd, Portland, OR 97229, USA

(503) 626-2611

0.81cmiles

Barnes Specialty Liquor

7365 SW Barnes Rd D, Portland, OR 97225, USA

(503) 203-5145

1.15cmiles

West Slope Liquor and Beverage

8765 SW Canyon Ln, Portland, OR 97225, USA

(503) 297-5118

1.26cmiles

Cedar Hills Liquor

3280 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(971) 864-6155

1.32cmiles

Name

Address

Telephone

Distance

Mud Bay

11830 NW Cedar Falls Dr Suite 114, Portland, OR 97229, USA

(503) 530-8241

0.38cmiles

Pet Barn

12675A NW Cornell Rd, Portland, OR 97229, USA

(503) 641-9443

0.55cmiles

PetSmart

12375 SW Walker Rd, Beaverton, OR 97005, USA

(503) 644-7901

1.04cmiles

AdeoPets

2850 SW Cedar Hills Blvd, Beaverton, OR 97005, USA

(888) 979-5566

1.17cmiles

Liquor Store

Pet Store

LOCAL BUSINESSES Shoe Store Name

Address

Telephone

Distance

Foot Traffic West

13306 NW Cornell Rd, Portland, OR 97229, USA

(503) 350-0294

0.70cmiles

Red Wing

4130 SW Lombard Ave, Beaverton, OR 97005, USA

(503) 641-6052

1.51cmiles

Signature Shoes

9248 SW Beaverton Hillsdale Hwy, Beaverton, OR (503) 626-8413 97005, USA

1.72cmiles

Famous Footwear

TOWN CENTER, 18049 NW Evergreen Pkwy #1A, Beaverton, OR 97006, USA

(503) 270-4293

2.23cmiles

Name

Address

Telephone

Distance

Timberland Town Center

11835 NW Cedar Falls Dr, Portland, OR 97229, USA (503) 747-6907

0.37cmiles

Peterkort Towne Square

11070 SW Barnes Rd, Portland, OR 97225, USA

0.40cmiles

Saltzman Village

Portland, OR 97229, USA

0.52cmiles

Milltowner II Center

12845 NW Cornell Rd, Portland, OR 97229, USA

0.59cmiles

Shopping Mall

Airport Name World Trade Center Heliport NE T Hangars HIO Airport Pats Pasture Airstrip Airport Hillsboro Airport

Address

Telephone

Distance

Portland, OR 97204, USA

3.47cmiles

4226 NE Penny Way Bldg 3, Hillsboro, OR 97124, USA

4.62cmiles

Beaverton, OR 97007, USA

4.71cmiles

3355 NE Cornell Rd, Hillsboro, OR 97124, USA

(503) 693-1963

4.77cmiles

LOCAL BUSINESSES Train Station

Name

Address

Telephone

Distance

NW Cornell & 118th

Beaverton, OR 97229, USA

0.27cmiles

Sunset TC MAX Station

Beaverton, OR 97225, USA

0.64cmiles

Beaverton TC

Beaverton, OR 97005, USA

1.43cmiles

Beaverton Creek

Beaverton, OR 97006, USA

1.65cmiles

R E S O U R C E S

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/

PORTLAND UTILITIES

Emergency

AT&T

Police/Medical/Fire

(800) 288-2020

911

www.att.com

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

Poison Control

CenturyLink (866) 963-6665 www.centurylinkcom

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

Dish Network (800) 318-0572 www.dish.com

Tualatin Valley Water District (503) 642-1511 www.tvwd.org

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

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

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

Walker Garbage (503) 531-6330 www.walkergarbage.com

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

Beaverton School District (503) 356-4500 www.beaverton.k12.or.us

(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

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 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 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, 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 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

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

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

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

DISCLAIMER: This flyer is not intended to be an all-inclusive list of fees and charges on every transaction, but rather a guide to the major costs of buying or selling real property. WFG would be happy to review and explain your closing cost prior to finalizing the transactions.

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”.

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 4

ADMINISTRATIVE 12909 SW 68th Pkwy.

Ste. 350 Portland, OR 97223 503-431-8500 CLACKAMAS 9200 SE Sunnybrook Blvd.

Ste. 350 Clackamas, OR 97015 503-353-9975 LAKE OSWEGO 5885 Meadows Rd. Ste. 150 Lake Oswego, OR 97035 503-624-4900 LLOYD/COMMERCIAL 700 NE Multnomah St. Ste. 190 Portland, OR 97232 503-230-8488

5 6 7 8

NW PORTLAND 25 NW 23rd Pl. Ste. 1 Portland, OR 97210 503-219-9088 GRESHAM 1304 NW Civic Drive Gresham, OR 97030 503-512-4910 SUNSET 2430 NW 206th Ave. Ste. 125 Beaverton, OR 97006 503-533-9510 BETHANY 1500 NW Bethany Blvd.

Ste. 155 Beaverton, OR 97006 503-850-3990

9

10 11 12

DOWNTOWN VANCOUVER 101 E 6th St. Ste. 125 Vancouver, WA 98660 360-314-0300 SALMON CREEK 2105 NE 129th St. Ste. 107 Vancouver, WA 98686 360-314-1818 VANCOUVER MALL 5101 NE 82nd Ave. Ste. 102 Vancouver, WA 98662 360-891-5454 EAST VANCOUVER 2004 SE 192nd Ave. Ste. 100 Vancouver, WA 98683 360-356-9990

E S C R O W

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 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 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, 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 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

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

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

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

DISCLAIMER: This flyer is not intended to be an all-inclusive list of fees and charges on every transaction, but rather a guide to the major costs of buying or selling real property. WFG would be happy to review and explain your closing cost prior to finalizing the transactions.

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”.

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 4

ADMINISTRATIVE 12909 SW 68th Pkwy.

Ste. 350 Portland, OR 97223 503-431-8500 CLACKAMAS 9200 SE Sunnybrook Blvd.

Ste. 350 Clackamas, OR 97015 503-353-9975 LAKE OSWEGO 5885 Meadows Rd. Ste. 150 Lake Oswego, OR 97035 503-624-4900 LLOYD/COMMERCIAL 700 NE Multnomah St. Ste. 190 Portland, OR 97232 503-230-8488

5 6 7 8

NW PORTLAND 25 NW 23rd Pl. Ste. 1 Portland, OR 97210 503-219-9088 GRESHAM 1304 NW Civic Drive Gresham, OR 97030 503-512-4910 SUNSET 2430 NW 206th Ave. Ste. 125 Beaverton, OR 97006 503-533-9510 BETHANY 1500 NW Bethany Blvd.

Ste. 155 Beaverton, OR 97006 503-850-3990

9

10 11 12

DOWNTOWN VANCOUVER 101 E 6th St. Ste. 125 Vancouver, WA 98660 360-314-0300 SALMON CREEK 2105 NE 129th St. Ste. 107 Vancouver, WA 98686 360-314-1818 VANCOUVER MALL 5101 NE 82nd Ave. Ste. 102 Vancouver, WA 98662 360-891-5454 EAST VANCOUVER 2004 SE 192nd Ave. Ste. 100 Vancouver, WA 98683 360-356-9990

C O N T E N T S

Alto s Mar k e t R e port WF G 's M y H o m e T a lk i n g H o u s e Ten t C a rds C C & R ' s (i f ap p l i ca ble )

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

Your Local Market Report Portland, OR 97229 REPORT FOR 7/8/2022 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

Portland, OR 97229

This week the median list price for Portland, OR 97229 is $897,000 with the market action index hovering around 83.

This is less than last month's market action index of 89.

Inventory has increased to 98.

Real-Time Market Profile Median List Price

$897,000

Market Action Index

Median Price of New Listings

$849,900

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

Per Square Foot

$322

Average Days on Market

23

Median Days on Market

11

Price Decreased

35%

Price Increased

3%

Relisted

5%

Inventory

98

Median Rent

$2,875

Market Action

83

inventory.

50

40

Buyer's Market

60

Seller's Market

70

100

10 0

on

83

90

M

ay Tod th

Las t

80

20

30

Strong Seller's Market The market has been cooling over time and prices plateaued for a while. Despite the consistent decrease in MAI, we’re in the Seller’s zone. Watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.

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

$1,310,000

4,155

8,000 - 10,000 sqft

4

3.5

19

7

4

10

$967,414

2,932

4,500 - 6,500 sqft

5

3

5

4

4

14

$799,900

2,536

4,500 - 6,500 sqft

4

3

22

10

5

7

$679,000

2,103

4,500 - 6,500 sqft

4

2.5

28

6

6

14

Fri Jul 08 2022 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2022 Altos Research, Inc.

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Single-Family Homes

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

Portland, OR 97229

Median List Price

Prices in this zip code seem to have settled around a plateau. Look for a persistent down-shift in the Market Action Index before we see prices deviate from these levels. $1.1M

$1.0M

$900K

$800K

$700K

$600K Jul 2019

Nov 2019

Mar 2020

Jul 2020

Nov 2020

7-Day Average

Mar 2021

Jul 2021

Nov 2021

Mar 2022

Jul 2022

90-Day Average

Segments

In the quartile market segments, we see prices in this zip code have generally settled at a plateau, although Quartile 1 has been trending a bit downward in recent weeks. We'll need to see a persistent shift in the Market Action Index before we see prices across the board move from these levels. $3.0M

$2.5M

$2.0M

$1.5M

$1.0M

$500K

$0 Jul 2019

Nov 2019

Mar 2020

Top 90-Day

Jul 2020

Nov 2020

Upper 90-Day

Mar 2021

Lower 90-Day

Jul 2021

Nov 2021

Mar 2022

Jul 2022

Bottom 90-Day

Fri Jul 08 2022 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2022 Altos Research, Inc.

3 of 6

Single-Family Homes

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

Portland, OR 97229

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. $400

$350

$300

$250

$200 Jul 2019

Nov 2019

Mar 2020

Jul 2020

Nov 2020

7-Day Average

Mar 2021

Jul 2021

Nov 2021

Mar 2022

Jul 2022

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.

300

250

200

150

100

50

0 Jul 2019

Nov 2019

Mar 2020

Jul 2020

Nov 2020

7-Day Average

Mar 2021

Jul 2021

Nov 2021

Mar 2022

Jul 2022

90-Day Average

Fri Jul 08 2022 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2022 Altos Research, Inc.

4 of 6

Single-Family Homes

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

Portland, OR 97229

Market Action Index

The market has been cooling over time and prices plateaued for a while. Despite the consistent decrease in MAI, we’re in the Seller’s zone. Watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.

120

100

80

60

40

20 Jul 2019

Nov 2019

Mar 2020

Jul 2020

Nov 2020

7-Day Average

Mar 2021

Jul 2021

Nov 2021

Mar 2022

Jul 2022

90-Day Average

Market Action Segments

Not surprisingly, all segments in this zip code are showing high levels of demand. Watch the quartiles for changes before the whole market changes. Often one end of the market (e.g. the highend) will weaken before the rest of the market and signal a slowdown for the whole group.

120

100

80

60

40

20 Jul 2019

Nov 2019

Mar 2020

Top 90-Day

Jul 2020

Nov 2020

Upper 90-Day

Mar 2021

Lower 90-Day

Jul 2021

Nov 2021

Mar 2022

Jul 2022

Bottom 90-Day

Fri Jul 08 2022 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2022 Altos Research, Inc.

5 of 6

Single-Family Homes

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

Portland, OR 97229

Median Days on Market (DOM)

The properties have been on the market for an average of 33 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.

125

100

75

50

25

0 Jul 2019

Nov 2019

Mar 2020

Jul 2020

Nov 2020

7-Day Average

Mar 2021

Jul 2021

Nov 2021

Mar 2022

Jul 2022

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.

200

150

100

50

0 Jul 2019

Nov 2019

Mar 2020

Top 90-Day

Jul 2020

Nov 2020

Upper 90-Day

Mar 2021

Lower 90-Day

Jul 2021

Nov 2021

Mar 2022

Jul 2022

Bottom 90-Day

Fri Jul 08 2022 Powered by Altos Research, Inc. | www.altos.re | Copyright © 2022 Altos Research, Inc.

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REV. 2.16.2022

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We believe these are the correct conditions and restrictions.

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

R E S T R I C T I O N S

Public Record

Public Record

Public Record