1682 SE Waverly Dr - Home & Community Book

1682 SE WAVERLY DR.

HAMID KARIMI Real Estate Broker, Oregon

HAMID.KARIMI@CASCADESIR.COM

630-854-2779

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Owner Information Owner Name:

MCCARTNEY TODD /

Vesting:

INDIVIDUAL(S)

Mail Address:

1682 SE WAVERLY DR PORTLAND OR 97222

Owner Status: Location Information

Legal Desc:

PARTITION PLAT 2001-055 PARCEL 2

County:

CLACKAMAS

Census/Block: 020800 / 1036

Alt Parcel #

11E26DB00801

School District: NORTH CLACKAMAS 12

Tsp-Rng-Sec:

T1S-R1E-S26

Municipality:

Lot / Block:

Lot: 2 Block:

Parcel #:

05003815

Housing Tract: WAVERLY HEIGHTS Last Market Sale Date:

2018-10-30/2018-10-25

Lender:

GREENBOX LOANS INC

Sale Price:

1999000

Loan:

1699150

Document #: 2018.66413

Document #: 2018.66414

Doc Type:

GENERAL WARRANTY DEED

Loan Type:

$ Sqft:

$207.45

Loan Term:

30

Prior Sale Information Date:

2012-05-14/2012-05-11

Lender:

Price:

925000

Loan:

Document #: 2012.29939 Doc Type:

WARRANTY DEED

740000

Document #: Loan Type:

CONVENTIONAL

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

Copyright © 1995-2021 CDS Marketing, Inc.

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Property Characteristics Gross Area: Living Area:

9636

Above Grade: N/A

Garage Area:

Interior Wall

Roof Shape:

Porch Type:

Foundation:

Patio Type:

Bedrooms:

5

Roof Material:

Air Cond:

Bath (F/H):

6/1

Construction:

Fixtures:

Heat Type:

Floor:

Cooling Type:

Equipment:

Parking Type: Garage

Exterior Wall:

Stories:

Units:

Rooms:

Pool:

Basement:

Quality:

GOOD

Condition:

Fireplace: Year Built:

2003

No

Property Information Land Use:

SFR

County Use:

RESIDENTIAL LAND

State Use:

Zoning:

R10

Lot Acres:

1.5685

Lot Sqft:

68,326

Len/Wid:

/

Tax and Assessment Information Assd Year:

2020

Assd Value:

$1,939,878

Taxable Val:

$1,939,878

Tax Year:

2020

Land Value:

$580,498

Mkt Value:

$1,939,878

Tax Area:

012-002

Imp Value:

$1,359,380

Exemption:

Property Tax:

$35,187.66

Improved %:

70%

District:

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

Copyright © 1995-2021 CDS Marketing, Inc.

AREA HISTORY 1682 SE WAVERLY DRIVE, MILWAUKIE, OR 97222 05003815 CLACKAMAS COUNTY OR Averages Avg 2016 2017 2018 2019 2020

Bedrooms 3.09 3.38 2.93 3.13 3.08

Avg Bathrooms 1.65 1.83 1.75 2.11 1.94

Avg

Avg

Avg

Sqft 2,095 2,105 1,912 2,318 2,200

Price $339,517 $391,633 $385,182 $499,278 $625,637

$Sqft $173 $205 $241 $234 $298

Average Sale Price

$625,637 $499,278 $391,633

$385,182

$339,517

2016

2017

2018

2019

2020

Average $ Per Square Foot

$298 $241

$234

$205 $173

2016

2017

2018

2019

2020

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

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Population by Age

36,952

10%

10%

0-9

10-19

15%

17%

20-29

30-39

11%

12%

12%

11%

40-49

50-59

60-69

70+

Household Income

15,791

18.6%

$0 - $24K

21.7%

$25K - $49K

20.2%

$50K - $74K

Education

17.0%

14.3%

$75K - $99K

4.8% 3.3% $100K - $149K $150K - $199K $200K Plus

Employment

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

8.1% 22.3% 36.4% 21.3% 12.0%

Working Age:

29,411 70.9%

Labor Force: Median Income:

$60,318 94.8%

Employed: Unemployed:

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

Copyright © 1995-2021 CDS Marketing, Inc.

5.2%

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

North Clackamas Sd 12 Elementary Schools Milwaukie Elementary 11250 SE 27TH AVE MILWAUKIE OR 97222 Grades: KG to 06 Charter School: N Magnet School: U

503-653-3681 Area Desc: Suburb: Large Distance: 0.97 Miles Title One: Y

Ardenwald Elementary 8950 SE 36TH AVE MILWAUKIE OR 97222 Grades: KG to 06 Charter School: N Magnet School: U Middle Schools Rowe Middle School 3606 SE LAKE RD MILWAUKIE OR 97222 Grades: 07 to 08 Charter School: N Magnet School: U

503-653-3656 Area Desc: Suburb: Large Distance: 1.09 Miles Title One: Y

Alder Creek Middle School 13801 SE WEBSTER RD MILWAUKIE OR 97267 Grades: 07 to 08 Charter School: N Magnet School: U High Schools Milwaukie High 11300 SE 23RD AVE MILWAUKIE OR 97222 Grades: 09 to 12 Charter School: N Magnet School: U

503-353-5700 Area Desc: Suburb: Large Distance: 3.28 Miles Title One: N

New Urban High 1901 SE OAK GROVE BLVD MILWAUKIE OR 97267 Grades: 09 to 12 Charter School: Y Magnet School: U

503-353-5925 Area Desc: Suburb: Large Distance: 2.46 Miles Title One: N

503-353-5725 Area Desc: Suburb: Large Distance: 1.59 Miles Title One: N

503-353-5830 Area Desc: Suburb: Large Distance: 0.82 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 Clackamas SD 12 503-353-6000 | 12400 SE Freeman Way, Milwaukie 97222 STUDENTS WE SERVE^

INTRODUCTION

17,200 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: 9% Teachers: 3% Black/African American Students: 2% Teachers: 1% Hispanic/Latino Students: 19% Teachers: 5% Multiracial Students: 8% Teachers: 2% Native Hawaiian/Pacific Islander Students: 1% Teachers: 0% White Students: 61% Teachers: 89%

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: 87%

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) 61 Administrators 832 Teachers 236 Educational assistants 45 Counselors/Psychologists 3 Licensed Librarians 82% of licensed teachers with more than 3 years of experience

District website: www.nclack.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 = 1924

North Clackamas SD 12 503-353-6000 | 12400 SE Freeman Way, Milwaukie 97222 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: ......................................................... 73%

Asian: .................................................................................................. 95%

Asian: .................................................................................................. >95%

Black/African American: ..................................................................... >95%

Black/African American: ..................................................................... >95%

Hispanic/Latino: ................................................................................. 77%

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

Multiracial: .......................................................................................... 95%

Multiracial: ......................................................................................... 93%

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

Native Hawaiian/Pacific Islander: ...................................................... 91%

White: ................................................................................................. 88%

White: ................................................................................................. 89%

Free/Reduced Price Lunch: ................................................................. 83%

Free/Reduced Price Lunch: ................................................................ 82%

Ever English Learner: .......................................................................... 90%

Ever English Learner: .......................................................................... 87%

Students with Disabilities: .................................................................. 72%

Students with Disabilities: .................................................................. 75%

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

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

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

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

Female: ............................................................................................... 90%

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

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

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

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

Milwaukie Elementary School Grades: K-5 503-353-5480 | 11250 SE 27th Ave, Milwaukie 97222 STUDENTS WE SERVE^ 158 Student Enrollment ^Student enrollment as of October 1, 2019

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

Asian Students: 4% Teachers: 0%

Black/African American Students: 3% Teachers: 0%

Hispanic/Latino Students: 13% Teachers: 23%

Multiracial Students: 10% 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) 8 Teachers 7 Educational assistants <1 Counselors/Psychologists 81% Average Teacher retention rate 60% 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: 70% Teachers: 77%

School website: www.nclack.k12.or.us/Domain/2182 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 = 73

Rowe Middle School Grades: 6-8 503-353-5725 | 3606 SE Lake Rd, Milwaukie 97222 STUDENTS WE SERVE^ 834 Student Enrollment ^Student enrollment as of October 1, 2019

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

Asian Students: 2% Teachers: 2%

Black/African American Students: 3% Teachers: 0%

Hispanic/Latino Students: 31% Teachers: 6%

Multiracial Students: 9% Teachers: 4%

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 95% OUR STAFF (ROUNDED FTE) 44 Teachers 6 Educational assistants 2 Counselors/Psychologists 86% Average Teacher retention rate 76% 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: 53% Teachers: 88%

School website: www.nclack.k12.or.us/Domain/1333 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 = 84

Milwaukie High School Grades: 9-12 503-353-5830 | 2301 SE Willard St., Milwaukie 97222 STUDENTS WE SERVE^

INTRODUCTION

809 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: 2%

ACADEMIC SUCCESS

Asian Students: 2% Teachers: 3% Black/African American Students: 4% Teachers: 2% Hispanic/Latino Students: 34% Teachers: 8% Multiracial Students: 8% Teachers: 2% Native Hawaiian/Pacific Islander Students: 1% Teachers: 0% White Students: 51% Teachers: 84% 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: 87%

Oregon Average: 80%

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

School: 82%

District: 89%

Oregon Average: 86%

OUR STAFF (ROUNDED FTE) 48 Teachers 10 Educational assistants 4 Counselors/Psychologists 87% Average Teacher retention rate 81% of licensed teachers with more than 3 years of experience No: Same principal for the last 3 years?

95%

School website: www.nclack.k12.or.us/Domain/544 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 = 86

Milwaukie High School Grades: 9-12 503-353-5830 | 2301 SE Willard St., Milwaukie 97222 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: .................................................................................................. 90%

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

Black/African American: ..................................................................... 91%

Hispanic/Latino: ................................................................................. 85%

Hispanic/Latino: ................................................................................. 80%

Multiracial: .......................................................................................... 93%

Multiracial: ......................................................................................... 88%

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

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

White: ................................................................................................. 83%

White: ................................................................................................. 81%

Free/Reduced Price Lunch: ................................................................. 83%

Free/Reduced Price Lunch: ................................................................ 78%

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

Ever English Learner: .......................................................................... 81%

Students with Disabilities: .................................................................. 73%

Students with Disabilities: .................................................................. 72%

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

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

Talented and Gifted: .......................................................................... *

Talented and Gifted: .......................................................................... *

Female: ............................................................................................... 89%

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

Male: .................................................................................................. 82%

Male: .................................................................................................. 78%

Non-Binary: Coming in 2021-22

Non-Binary: Coming in 2021-22

CITY OF MILWAUKIE

20,291 POPULATION 2010 Census Data

MALE 48.6%

$43,635

36.3

MEDIAN INCOME

MEDIAN AGE

2010 Census Data

FEMALE 51.4%

2010 Census Data

Milwaukie was Founded in 1847 on the banks of the Willame e River, the city, known as the Dogwood City of the West, was incorporated in 1903 and is the birthplace of the Bing cherry. The city is now a suburb of Portland and also adjoins the unincorporated areas of Clackamas and Oak Grove.

SCHOOL DISTRICTS 

North Clackamas School District

HOUSING

2010 Census Data  

59.2% of homes owner occupied 40.8% of homes rented

POPULATION DENSITY 2010 Census Data  

4,209.8 inhabitants per sq. mile 9,138 housing units at an average density of 1,895.9 per sq. mile

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

22.8% under age 18 8.1% between ages 18 to 24 31.2% between ages 25 to 44 24.1% between ages 45 to 64 13.7% above age 65

CITY QUICK FACTS    

4.85 square miles 43 feet elevation Highest Average Temperature 80º Lowest Average Temperature 35.7º

Milwaukie was settled in 1847 and formally platted in 1849 as a rival to the upriver Oregon City by Lot Whitcomb, who named it for Milwaukee, Wisconsin. At the time, the Wisconsin city was also frequently spelled "Milwaukie" before the current spelling was adopted. Some accounts also state that the Oregon city used an alternate spelling to prevent confusion at the post office.

METRO AREA BASE MAP

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Animal - Rescue Name

Address

Clackamas County Veterinary C

1678 Beavercreek Rd

Animal - Services Name

Address

Ekerson, Jon M DVM - Harrison Bruno, Kay L DVM - Moreland V

Telephone

Distance

503-657-3171

8.79 Mi

Telephone

Distance

2100 SE Ochoco St

503-654-8511

0.48 Mi

7201 SE Milwaukie Ave

503-239-9972

1.39 Mi

Edens, Ilona DVM - Southgate

7851 SE King Rd

503-771-0857

3.14 Mi

Takashima, Gregg DVM - Parkwa

3 Monroe Pky

503-636-2102

3.17 Mi

Lathrop, Gregory W DVM - Powe

3654 SE Powell Blvd

503-236-1834

3.28 Mi

Banks Name

Address

Telephone

Distance

Advantis Credit Union

10501 SE Main St, #300

503-785-2528

0.44 Mi

Menely- Douglas G

8606 SE 17th Ave

503-238-1903

0.58 Mi

Keybank - Keycenters- Milwauk

10888 SE Main St

503-653-3320

0.62 Mi

Keybank

10888 SE Main St

503-653-3320

0.62 Mi

Washington Mutual-Financial C

10900 SE 21st Ave

503-238-3255

0.65 Mi

Coffee Shops Name

Address

Telephone

Distance

Spring Creek Coffee House

10600 SE McLoughlin Blvd-105

503-496-5555

0.47 Mi

Ohana Hawaiian Cafe

10608 Southeast Main Street

503-305-8170

0.49 Mi

Twin Paradox LLC

8609 SE 17th Ave

503-232-8202

0.59 Mi

Starbucks: 13th & Tacoma

1305 SE Tacoma St

503-234-6020

0.89 Mi

Starbucks: Milwaukie Marketpl

10826 SE Oak St

503-652-7962

1.04 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Coffee Shops Name

Address

Telephone

Distance

Credit Unions Name

Address

Telephone

Distance

Northwest Adventist Fed CU

10333 SE Main St

503-256-3712

0.38 Mi

Castparts Employee Federal CU

8120 SE Luther Rd

503-771-2464

3.34 Mi

Consolidated Federal CU

2021 NE Sandy Blvd

503-232-8070

5.12 Mi

Northwest Resource Federal CU

221 NW 2nd Ave

503-220-2592

5.18 Mi

Advantis Credit Union

825 NE Multnomah St, #110

503-785-2528

5.52 Mi

Eating and Drinking Places Name

Address

Telephone

Distance

Pietro's Pizza

10300 SE Main St

503-659-7770

0.37 Mi

Pietro's Pizza Restaurants

10300 SE Main St

503-659-7770

0.37 Mi

Chan's Steakery

10477 SE Main St

503-653-2709

0.43 Mi

Chan's Steakery

10477 SE Main St

503-653-2709

0.43 Mi

Mccabe's Food Milwaukie

1750 SE Ochoco St

503-794-7777

0.45 Mi

Golf Courses Name

Address

Telephone

Distance

Waverley Country Club

1100 SE Waverly Dr

503-654-9509

0.30 Mi

Eastmoreland Golf Course

2425 SE Bybee Blvd

503-775-2900

1.85 Mi

Oswego Lake Country Club

20 Iron Mountain Blvd

503-635-3659

3.02 Mi

Top O' Scott Public Golf Cour

12000 SE Stevens Rd

503-654-5050

4.21 Mi

Lake Oswego Golf Course

17525 SW Stafford Rd

503-636-8228

4.30 Mi

Grocers and Supermarkets Name

Address

Telephone

Distance

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

Copyright © 1995-2021 CDS Marketing, Inc.

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Grocers and Supermarkets Name

Address

Telephone

Distance

Food Services of America Alpine Food Distributing Inc

1750 SE Ochoco St

503-794-4444

0.45 Mi

4901 SE 24th Ave

503-230-2883

0.54 Mi

Mekong Thai Cuisine

10880 SE McLoughlin Blvd

503-594-2888

0.61 Mi

Town Grocery & Deli

2036 SE Monroe St

503-652-0803

0.64 Mi

Kanso's Am Pm Mini-Market

10966 SE McLoughlin Blvd

503-653-6909

0.65 Mi

Health Clubs and Spas Name

Address

Telephone

Distance

Nelsons Nautilus Plus

10466 SE Main St

503-659-4111

0.42 Mi

Eastmoreland Racquet Club

3015 SE Berkeley Pl

503-653-0820

1.09 Mi

Snap Fitness

4200 SE King Rd

503-353-7627

1.37 Mi

Curves For Women-Sellwood

7227 SE Milwaukie Ave

503-230-1444

1.38 Mi

Me Fitness

4943 SE King Rd

503-282-7900

1.71 Mi

Hospitals Name

Address

Telephone

Distance

Eastmoreland Hospital

2900 SE Steele St

503-234-0411

2.31 Mi

Shriners Hosps For Children

3101 SW Sam Jackson Park Rd

503-241-5090

3.91 Mi

Woodland Park Hospital

10300 NE Hancock St

503-257-5500

7.25 Mi

Hospitals - Acute Care Name

Address

Telephone

Distance

Providence Milwaukie Hospital

10150 SE 32nd Ave

503-513-8336

0.85 Mi

Ohsu Hospital And Clinics

3181 SW Sam Jackson Park Rd

503-494-4036

3.79 Mi

Kaiser Sunnyside Medical Cent

10180 SE Sunnyside Rd

503-813-2000

4.39 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Hospitals - Acute Care Name

Address

Telephone

Distance

Providence Portland Medical C Adventist Medical Center

4805 NE Glisan St

503-215-1111

5.41 Mi

10123 SE Market St

503-257-2500

5.90 Mi

Hospitals - Acute Care - VA Name

Address

Telephone

Distance

Portland Va Medical Center

3710 SW Us Veterans Hospital R

503-220-8262

3.54 Mi

Nursing Homes Name

Address

Telephone

Distance

Willamette View Health Center Milwaukie Convalescent Ct

13145 SE River Rd

503-353-7000

1.68 Mi

12045 SE Stanley Ave

503-659-2323

2.38 Mi

Friendship Health Center

3320 SE Holgate Blvd

503-231-1411

2.76 Mi

Harbor Care Reedwood

3540 SE Francis St

503-232-5767

3.09 Mi

Mirabella Portland

3550 SW Bond Ave

503-901-2939

3.34 Mi

Offices and Clinics of Chiropractors Name

Address

Telephone

Distance

Nelson, Brian E DC - Nelson C

6647 SE Woodstock Blvd

503-775-5850

3.13 Mi

Hickel, Michael W DC - Power

8305 SE Monterey Ave, #104

503-786-7786

3.50 Mi

Galligan, Kathleen M DC - Kru

3990 SW Collins Way

503-635-1236

4.36 Mi

Reid, Dwight DC - Bridgetown

13568 SE 97th Ave, #100

503-490-5647

4.54 Mi

Day Chiropractic

14511 Westlake Dr

503-620-2353

4.66 Mi

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Bremner, Fred A Dds

2636 Se Harrison St

503-654-5405

0.67 Mi

Family Dentistry

2025 Se Washington St

503-654-2101

0.73 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Offices and Clinics of Dentists Name

Address

Telephone

Distance

Marian L De Stoppelaar Milwaukee Family Dental Clini

2305 Se Washington St #103

503-786-6895

0.75 Mi

2236 Se Washington St

503-654-6529

0.77 Mi

Phillips, Daniel

11165 Se 23rd Ave

503-654-5462

0.78 Mi

Telephone

Distance

Offices and Clinics of Medical Doctors Name Address Rippey, Wesley E MD - Health

10000 SE Main St, #316

503-256-1575

0.29 Mi

Wong, Sharon E MD - Women's H

10000 SE Main St, #10

503-256-1470

0.29 Mi

Adventist Medical Center - Ad

10000 SE Main St, #207

503-251-6363

0.29 Mi

Schlippert William C PHY & Su

10000 SE Main St

503-255-3054

0.29 Mi

Gastroenterology Associates

10000 SE Main St, #203

503-255-3054

0.29 Mi

Pet Sitting Services Name

Address

Telephone

Distance

Andrew, Michael P DVM - Town

12515 SE Division St

503-761-2330

6.55 Mi

Pharmacies Name

Address

Telephone

Distance

American Medical Response (am

9800 SE McBrod Ave

503-659-6987

0.19 Mi

Beyond The Clinic

10600 SE McLoughlin Blvd

503-496-0385

0.49 Mi

Chambers And Froland Ods Pc

2306 SE WASHINGTON ST

503-654-3212

0.78 Mi

Andrew Godzyk Dmd Pc

11162 SE 23rd Ave

503-654-4444

0.80 Mi

Elixia Wellness Group Llc

8113 SE 13th Ave

503-232-5653

0.88 Mi

Places of Religion Name

Address

Telephone

Distance

Chirst the King Catholic Chr

7414 SE Michael Dr

N/A

0.55 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Places of Religion Name

Address

Telephone

Distance

Church Of Jesus Christ Of Lds St Johns Episcopal Church

13520 SE Ruscliffe Ln

503-654-8466

0.55 Mi

2036 SE Jefferson St

N/A

0.69 Mi

Bridge City Community Church

2816 SE Harrison St

N/A

0.71 Mi

St John the Baptist Religious

10955 SE 25th Ave

N/A

0.77 Mi

Retirement Communities Name

Address

Telephone

Distance

Sellwood Landing

8517 SE 17th Ave #402

503-542-4800

0.63 Mi

Williamette View

12705 SE River Rd

503-345-8209

1.54 Mi

Willamette View - Foundation

13021 SE River Rd

503-652-6237

1.64 Mi

Westmoreland's Union Manor

6404 SE 23rd Ave

503-233-5671

1.69 Mi

Willamette View - Health Cent

13145 SE River Rd

503-353-7000

1.71 Mi

Veterinary - Emergency Services Name

Address

Telephone

Distance

Full Circle Veterinary Care

433 3rd St

503-451-0968

2.42 Mi

Hawthorne Veterinary Clinic

1431 SE 23rd Ave

503-233-2332

4.19 Mi

VCA West Linn Animal Hospital

19343 Willamette Dr

503-465-4727

4.69 Mi

Animal Medical Clinic

1411 SW 14th Ave, Ste B

503-222-1254

4.89 Mi

Cascade Veterinary Referral C

11140 SW 68th Pky

503-684-1800

4.93 Mi

Veterinary - Medicine Name

Address

Telephone

Distance

Colleran Elizabeth J Dvm - Ca

8065 SE 13th Ave

503-235-7005

0.93 Mi

Burlingame Veterinary Clinic

8511 SW Terwilliger Blvd

503-977-2637

2.00 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

1682 SE WAVERLY DR PORTLAND OR 97222 05003815 CLACKAMAS COUNTY OR

Veterinary - Medicine Name

Address

Telephone

Distance

First Street Veterinary Hospi

545 1st St

503-697-5600

2.29 Mi

Oswego Veterinary Hospital

590 3rd St

503-636-3001

2.30 Mi

Linwood Animal Clinic

6135 SE King Rd

503-774-3363

2.33 Mi

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

Copyright © 1995-2021 CDS Marketing, Inc.

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CHANGE OF ADDRESS USPS Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet.

https://moversguide.usps.com Benefits you will receive when you change your address online are:  Exclusive mover savings coupons  Safe and secure with identity verification by a simple $1.00 charge to your

credit or debt card

 Email confirmation at the end of registration of your change of address * Must have valid email address and credit card to register online.

DMV Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail back to DMV at: Oregon Department of Transportation DMV Services 1905 Lana Avenue NE Salem, OR 97314-0100

www.oregondmv.com/online/index.htm General DMV Information Contact: (503) 299-9999

VOTER REGISTRATION Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail it back to your County Elections Office listed below.

www.oregonvotes.org/votreg/vreg.htm County Elections Office Contacts Clackamas County 825 Portland Avenue Gladstone, OR 97027 (503) 655-8510 Multnomah County 1040 SE Morrison Street Portland, OR 97214 (503) 988-3720 Washington County 3700 SW Murray Blvd., Ste 101 Beaverton, OR 97005 (503) 846-5800

MOVING CHECKLIST UTILITIES  Electric  NW Natural Gas  Water District  Sewer District  Garbage Provider  Cable/Satellite  Fuel (Propane)  Phone Services  Internet FINANCIAL INSTITUTIONS  Banks and Credit Unions  Credit Card Companies (including department store credit cards)  Lenders (Mortgage, Home Equity, Auto, Student Loans)  Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life)  Retirement (Pension plans, 401K, Social Security, Veterans Affairs)  Investments (Investment Agencies and Brokers)  Online Bill Payer  Paypal GOVERNMENT OFFICES  US Post Office  Department of Motor Vehicles (Obtain your driver’s license and change vehicle registration)  IRS  Passport Office  Veteran Affairs  Unemployment Office (If you are currently receiving unemployment benefits)

HEALTH  Physician  Pharmacies SERVICE PROVIDERS  Childcare  Housecleaning Services  Delivery Services  Lawn Care Services  Veterinarian  Pool Service MEMBERSHIPS  Health Clubs  Membership Clubs (AAA or similar)  Community Groups (PTA, Neighborhood Associations, Civic Clubs)  Children’s Extracurricular Activities (Dance Classes, Music Lesson, Sports Clubs) SUBSCRIPTIONS  Newspapers  Magazine (USPS will only forward 2 months)  Movie Subscriptions (Netflix, Blockbuster, etc)  Book or Music Clubs OTHER  Friends and Family  Employers (typically notify the Human Resources Department)

MOVING CHECKLIST 8 WEEKS BEFORE YOUR MOVE  Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved  Research Moving Options: You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.  Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.  Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.  Packing Material: Gather moving boxes and packing material for your move.  Contact Insurance Companies: You’ll need to contact your insurance agent to cancel/transfer your insurance policy.

4 WEEKS BEFORE YOUR MOVE  Start Packing: Begin packing all things destined for your new location.  Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.  Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.  Small Engines: Service small engines for your move by extracting gas and oil from the machines.

This will reduce that chance to catch fire during your move.  Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to be lost or stolen during your move.  Borrowed and Rented Items: Return items which you may have borrowed or rented. Collect items borrowed to others.

1 WEEK BEFORE YOUR MOVE  Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.  Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.  Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.  Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.  Travel Items: Set aside all items you’ll need while traveling. Make sure these are not packed on the moving truck..  Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address.

MOVING DAY  Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.  Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.  Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.  Vacate Your Home: Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve vacated the property.  Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?

MOVING RESOURCES THE HOME DEPOT (800) 466-3337 www.homedepot.com Beaverton (503) 469-4242 4401 SW 110th Ave. Beaverton, OR 97005 S. Beaverton (503) 646-1525 13700 NW Science Pk. Dr. Portland 97229 Clackamas (503) 774-6372 9300 SE 82nd Ave. Happy Valley, OR 97086 Hillsboro (503) 693-9090 1950 SE Minter Bridge Rd. Hillsboro 97123 Jantzen Beach (503) 289-9200 1728 N Tomahawk Island Dr. Portland 97217 Oregon City (503) 723-3181 2002 Washington St. Oregon City, OR 97045 E. Portland (503) 261-8543 10120 SE Washington St. Portland 97216 NE Portland (503) 252-0188 11633 NE Glen Widing Dr. Portland 97220 Sherwood (503) 925-8447 20260 SW Pacific Hwy. Sherwood, OR 97140 Tigard (503) 639-3500 14800 SW Sequoia Parkway Tigard 97224

THE HOME DEPOT CONTINUED...

MOVING TRUCK RENTALS

Troutdale (503) 674-3944 25101 SE Stark St. Troutdale, OR 97060

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

LOWES (800) 466-3337 www.lowes.com Hillsboro (503) 844-6200 1951 SE 24th Ave. Hillsboro, OR 97123 Milwaukie (503) 794-2500 13631 SE Johnson Rd. Milwaukie 97222 Portland (503) 737-3000 1160 N Hayden Meadows Dr. Portland 97217 Tigard (503) 624-2644 12615 SW 72nd Ave. Tigard, OR 97223 Wood Village (503) 667-1005 1000 NE Wood Village Blvd.

Wood Village, OR 97060 DONATION FACILITIES Goodwill (800) 741-0186 locator.goodwill.org The Salvation Army (800) 958-7825 www.salvationarmyusa.org Value Village (800) 958-7825 www.valuevillage.com

Penske (888) 996-5415 www.pensketruckrental.com Ryder (800) 297-9337 www.ryder.com U-Haul (800) 468-4285 www.uhaul.com STORAGE COMPANIES NW Self Storage www.nwselfstorage Public Storage (800) 906-0879 www.publicstorage.com Pods (888) 309-8967 www.pods.com TRANSFER STATIONS Garbage/Recycling Metro Center (503) 234-3000 www.oregonmetro.gov 6161 NW 61st Ave. Portland, OR 97210 Metro South (503) 234-3000 www.oregonmetro.gov 2001 Washington St. Oregon City, OR 97045

RESOURCE GUIDE AIRPORT

CITY CONTACT CONTINUED...

CITY CONTACT CONTINUED...

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

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

Molalla (503) 829-6855 www.cityofmolalla.com

AUTO & DRIVER REGISTRATION

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

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

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

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

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

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

Forest Grove (503) 359-3200 www.ci.forest-grove.or.us

River Grove (503) 639-6919

DMV (503) 945-5000 www.odot.state.or.us/dmv/ BUS SERVICE C-Tran (360) 695-0123 www.c-tran.com Greyhound (800) 231-2222 www.greyhound.com Tri-Met (503) 238-7433 www.tri-met.org CABLE TV & INTERNET Verizon (888) 881-8161 www.verizon.com XFINITY (Comcast) (800) 934-6489 www.comcast.com CITY CONTACT Banks (503) 324-5112 www.cityofbanks.org Beaverton (503) 526-2222 www.ci.beaverton.or.us Canby (503) 266-4021 www.ci.canby.or.us

Gaston (503) 985-3340

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

RESOURCE GUIDE COUNTY CONTACTS

HOSPITALS CONTINUED...

NATURAL GAS

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

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

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

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

NEWSPAPERS

Multnomah (503) 248-3511 www.co.clackamas.or.us Taxation (503) 988-3326 Washington (503) 846-8611 www.co.clackamas.or.us Taxation (503) 846-8741 ELECTRICITY Pacific Power (888) 221 7070 www.pacificpower.net Portland General (800) 542-8818 www.portlandgeneral.com

Kaiser Permanente Sunnyside (503) 813-2000 www.kaiserpermanente.org Kaiser Permanente Westside (503) 813-2000 www.kaiserpermanente.org OHSU (503) 494-8311 www.ohsu.edu Providence Milwaukie (503) 513-8300 www.providence.org Providence Portland (503) 215-1111 www.providence.org

HOSPITALS

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

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

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

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

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

Legacy Good Samaritan (503) 413-4683 www.legacyhealth.org Legacy Emanuel (503) 413-2200 www.legacyhealth.org

Tuality Community (503) 681-1111 www.tuality.org Tuality Forest Grove (503) 357-2173 www.tuality.org

The Columbian (360) 694-3391 www.columbian.com The Oregonian (503) 221-8240 www.oregonlive.com Willamette Weekly (503) 243-2122 www.wweek.com RECREATION Convention Center (503) 235-7575 www.oregoncc.org Expo Center (503) 736-5200 www.expocenter.org Mt. Hood Meadows (503) 337-2222 www.mthoodmeadows.com OMSI (503) 797-4000 www.omsi.edu Oregon Zoo (503) 266-1561 www.oregonzoo.com Portland International Raceway (503) 823-7223 www.portlandraceway.com Portland Art Museum (503) 266-2811 www.pam.org

RESOURCE GUIDE RECREATION CONTINUED...

SHOPPING CONTINUED...

VOTER REGISTRATION

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

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

Clackamas (503) 655-8510

Regal Cinemas (800) FANDANGO www.regalcinemas.com

Washington Square (503) 369-8860 www.shopwashingtonsquare.com

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

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

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

TELEPHONE SERVICE

SHOPPING

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

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

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

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

TRANSFER STATIONS

Clackamas Town Center (503) 653-6913 www.clackamastowncenter.com Columbia Gorge Outlets (503) 669-8060 www.premiumoutlets.com/ columbiagorge Lloyd Center (503) 282-2511 www.lloydcenter.com Mall 205 (503) 255-5805 Pioneer Place (503) 228-5800 www.pioneerplace.com

Metro Center (503) 234-3000 www.oregonmetro.gov 6161 NW 61st Ave. Portland, OR Metro South (503) 234-3000 www.oregonmetro.gov 2001 Washington St. Oregon City, OR Clackamas County (503) 668-8885 www.wmnorthwest.com 19600 SE Canyon Valley Rd. Sandy, OR

Multnomah (503) 248-3720 Washington (503) 846-5800 WATER BUREAU Beaverton (503) 526-2257 Clackamas (503) 722-9220 Gladstone (503) 656-5223 Gresham (503) 618-2373 Hillsboro (503) 681-6228 Lake Oswego (503) 635-0265 Milwaukie (503) 786-7525 Oregon City (503) 657-8151 Portland (503) 823-7770 Tigard (503) 639-1554 Tualatin (503) 692-2000 West Linn (503) 656-4261 Wilsonville (503) 682-1011

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

Cyber fraud and email hacking 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

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ADMINISTRATIVE

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LLOYD

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DOWNTOWN VANCOUVER

CLACKAMAS

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NW PDX/ COMMERCIAL

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SALMON CREEK

LAKE OSWEGO

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SUNSET

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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