Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$242,218$297 / 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 90How 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

728 SW 20TH ST

PENDLETON, OR 97801
2
Beds
1
Baths
816 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$242K
$217K low$267K 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.$164,868
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$131,894
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.33%
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.$77,350
WELLS FARGO BANK NA · recorded May 4, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,022 (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.$109,820 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$20,260
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$89,560
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$106,630
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$193,720

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
41
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
79
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
14
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
65
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyUMATILLA
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1989
Lot (acres)The size of the land the home sits on, from county records.0.12
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.Wall Unit
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 · 180 ft²

Transaction History(2)

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
Sherwood Heights Elementary SchoolD
Elementary · Grades KG–5 · 0.9 mi
M
Sunridge Middle SchoolC
Middle · Grades 6–8 · 1.0 mi
H
Pendleton High SchoolC+
High · Grades 9–12 · 1.0 mi

District: Pendleton School District 16

Neighborhood · ZIP 97801These 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.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.120
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.20,333
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.32 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,510
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,260
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.18 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

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.No

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

728 Sw 20th St 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 74% of homes in Pendleton 97801
  • Costs more per square foot than 95% of homes in Pendleton 97801
  • Smaller than 93% of homes in Pendleton 97801
  • Has a smaller lot than 92% of homes in Umatilla County
  • Older than 72% of homes in Umatilla County

What homes are worth in Pendleton 97801

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

This home
$132K$729K

This home is worth more than 26% of homes in Pendleton 97801.

How it measures up in Pendleton 97801

The dot is this home. The mark in the middle is the typical home in Pendleton 97801.

Estimated value$242,218
CheaperTypical $306,000Pricier

Pricier than 26% of homes nearby

Price per ft²$297
CheaperTypical $200Pricier

Pricier than 95% of homes nearby

Living area816 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 7% of homes nearby

Lot size0.11 ac
SmallerTypical 0.21 acBigger

Bigger than 15% of homes nearby

Year built1957
OlderTypical 1969Newer

Newer than 40% of homes nearby

How 728 Sw 20th St ranks against every home in each area.
MeasureThis homePendleton 97801Umatilla County
Estimated valuepricier than$242,21826% of homes28% of homes
Price per ft²pricier than$29795% of homes94% of homes
Living areabigger than816 ft²7% of homes8% of homes
Lot sizebigger than0.11 ac15% of homes8% of homes
Year builtnewer than195740% of homes28% of homes

About 728 Sw 20th St

How much is 728 Sw 20th St, Pendleton, OR worth?

The TopHap Estimate for 728 Sw 20th St, Pendleton, OR is $242,218 as of Jul 14, 2026. The likely range is $217,446 to $266,990. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 728 Sw 20th St, Pendleton, OR last sell?

728 Sw 20th St, Pendleton, OR last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 728 Sw 20th St, Pendleton, OR?

728 Sw 20th St, Pendleton, OR has 2 bedrooms, 1 bathrooms, 816 square feet of living space and a 0.12-acre lot.

When was 728 Sw 20th St, Pendleton, OR built?

728 Sw 20th St, Pendleton, OR was built in 1957, making it 69 years old. The building has 1 story.

What schools serve 728 Sw 20th St, Pendleton, OR?

728 Sw 20th St, Pendleton, OR is assigned to Sherwood Heights Elementary School (elementary), rated D; Sunridge Middle School (middle), rated C; Pendleton High School (high), rated C+. All sit in Pendleton School District 16. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 728 Sw 20th St, Pendleton, OR compare to other homes in Pendleton 97801?

Among the 7,561 homes in Pendleton 97801, it is worth more than 26% of them ($242,218 against a typical $306,000), its price per square foot is higher than 95% of them ($297 against a typical $200), it is bigger than 7% of them (816 ft² against a typical 1,512 ft²), its lot is bigger than 15% of them (0.11 ac against a typical 0.21 ac) and it is newer than 40% of them (1957 against a typical 1969). Measured against all of Umatilla County, it is worth more than 28% 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 728 Sw 20th St, Pendleton, OR?

The 2025 property tax bill for 728 Sw 20th St, Pendleton, OR was $2,022. The county assessed it at $109,820.

Closest homes

More homes in Pendleton 97801

Assigned schools

Explore the area

See this home in context

Open 728 Sw 20th St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map