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Single Family ResidenceResidential
$379,236$271 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

640 RIVER DR

INDEPENDENCE, OR 97351
3
Beds
2
Baths
1,398 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$379K
$369K low$389K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$266,536
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$213,229
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.30%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$112,700
WASHINGTON MUTUAL BANK FA · recorded Feb 1, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,200 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$180,610 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$120,410
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$175,350
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$368,910

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPOLK
Lot (acres)The size of the land the home sits on, from county records.0.17
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 230 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Independence Elementary SchoolB-
Elementary · Grades KG–5 · 0.5 mi
M
Talmadge Middle SchoolC
Middle · Grades 6–8 · 1.4 mi
H
Central High SchoolC
High · Grades 9–12 · 1.4 mi

District: Central School District 13j

Neighborhood · ZIP 97351These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.109
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.175

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.12,271
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.240 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,961
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,161
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.47%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 River Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 79% of homes in Polk County
  • Smaller than 71% of homes in Polk County
  • Has a smaller lot than 65% of homes in Polk County
  • Older than 65% of homes in Polk County

What homes are worth in Independence 97351

Each bar is how many homes fall in that price range. The marker is this home.

This home
$257K$893K

This home is worth more than 31% of homes in Independence 97351.

How it measures up in Independence 97351

The dot is this home. The mark in the middle is the typical home in Independence 97351.

Estimated value$379,236
CheaperTypical $414,793Pricier

Pricier than 31% of homes nearby

Price per ft²$271
CheaperTypical $290Pricier

Pricier than 39% of homes nearby

Living area1,398 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.17 ac
SmallerTypical 0.19 acBigger

Bigger than 41% of homes nearby

Year built1977
OlderTypical 1995Newer

Newer than 37% of homes nearby

How 640 River Dr ranks against every home in each area.
MeasureThis homeIndependence 97351Polk County
Estimated valuepricier than$379,23631% of homes21% of homes
Price per ft²pricier than$27139% of homes52% of homes
Living areabigger than1,398 ft²40% of homes29% of homes
Lot sizebigger than0.17 ac41% of homes35% of homes
Year builtnewer than197737% of homes35% of homes

About 640 River Dr

How much is 640 River Dr, Independence, OR worth?

The TopHap Estimate for 640 River Dr, Independence, OR is $379,236 as of Jul 14, 2026. The likely range is $369,292 to $389,180. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 River Dr, Independence, OR last sell?

640 River Dr, Independence, OR last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 640 River Dr, Independence, OR?

640 River Dr, Independence, OR has 3 bedrooms, 2 bathrooms, 1,398 square feet of living space and a 0.17-acre lot.

When was 640 River Dr, Independence, OR built?

640 River Dr, Independence, OR was built in 1977, making it 49 years old. The building has 1 story.

What schools serve 640 River Dr, Independence, OR?

640 River Dr, Independence, OR is assigned to Independence Elementary School (elementary), rated B-; Talmadge Middle School (middle), rated C; Central High School (high), rated C. All sit in Central School District 13j. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 River Dr, Independence, OR compare to other homes in Independence 97351?

Among the 3,175 homes in Independence 97351, it is worth more than 31% of them ($379,236 against a typical $414,793), its price per square foot is higher than 39% of them ($271 against a typical $290), it is bigger than 40% of them (1,398 ft² against a typical 1,512 ft²), its lot is bigger than 41% of them (0.17 ac against a typical 0.19 ac) and it is newer than 37% of them (1977 against a typical 1995). Measured against all of Polk County, it is worth more than 21% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 River Dr, Independence, OR?

The 2025 property tax bill for 640 River Dr, Independence, OR was $3,200. The county assessed it at $180,610.

Closest homes

More homes in Independence 97351

Assigned schools

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