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Single Family ResidenceResidential
$233,841$167 / 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

540 SW DELWOOD ST

PILOT ROCK, OR 97868
4
Beds
2
Baths
1,404 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.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
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

$234K
$210K low$258K 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.$98,841
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$79,073
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.55%
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.$95,000
FIRST COMMUNITY CU · recorded Apr 8, 2020
2nd 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.$40,000
FIRST COMMUNITY CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,303 (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.$135,010 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$37,480
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$97,530
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$131,080
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$352,620

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.60
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
82
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
43
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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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.1988
Lot (acres)The size of the land the home sits on, from county records.0.69
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Wall Unit
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 576 ft²Shed · 168 ft²Patio · 240 ft²Porch · 40 ft²

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

E
Pilot Rock Elementary SchoolC+
Elementary · Grades PK–6 · 0.3 mi
M
Pilot Rock Jr. / Sr. High SchoolB
Middle · Grades 7–12 · 0.5 mi

District: Pilot Rock School District 2

Neighborhood · ZIP 97868These 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.163
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.117
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.83%
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.9.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,460
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$78,957
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,689
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

Ownership

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

540 Sw Delwood 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 76% of homes in Umatilla County
  • Costs less per square foot than 79% of homes in Umatilla County
  • Has a bigger lot than 67% of homes in Pilot Rock 97868
  • Older than 68% of homes in Umatilla County

What homes are worth in Pilot Rock 97868

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

This home
$97K$684K

This home is worth more than 54% of homes in Pilot Rock 97868.

How it measures up in Pilot Rock 97868

The dot is this home. The mark in the middle is the typical home in Pilot Rock 97868.

Estimated value$233,841
CheaperTypical $226,564Pricier

Pricier than 54% of homes nearby

Price per ft²$167
CheaperTypical $179Pricier

Pricier than 40% of homes nearby

Living area1,404 ft²
SmallerTypical 1,355 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.69 ac
SmallerTypical 0.24 acBigger

Bigger than 67% of homes nearby

Year built1965
OlderTypical 1959Newer

Newer than 54% of homes nearby

How 540 Sw Delwood St ranks against every home in each area.
MeasureThis homePilot Rock 97868Umatilla County
Estimated valuepricier than$233,84154% of homes24% of homes
Price per ft²pricier than$16740% of homes21% of homes
Living areabigger than1,404 ft²55% of homes47% of homes
Lot sizebigger than0.69 ac67% of homes65% of homes
Year builtnewer than196554% of homes32% of homes

About 540 Sw Delwood St

How much is 540 Sw Delwood St, Pilot Rock, OR worth?

The TopHap Estimate for 540 Sw Delwood St, Pilot Rock, OR is $233,841 as of Jul 14, 2026. The likely range is $210,066 to $257,616. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 540 Sw Delwood St, Pilot Rock, OR?

540 Sw Delwood St, Pilot Rock, OR has 4 bedrooms, 2 bathrooms, 1,404 square feet of living space and a 0.69-acre lot.

When was 540 Sw Delwood St, Pilot Rock, OR built?

540 Sw Delwood St, Pilot Rock, OR was built in 1965, making it 61 years old. The building has 1 story.

What schools serve 540 Sw Delwood St, Pilot Rock, OR?

540 Sw Delwood St, Pilot Rock, OR is assigned to Pilot Rock Elementary School (elementary), rated C+; Pilot Rock Jr. / Sr. High School (middle), rated B. All sit in Pilot Rock School District 2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Sw Delwood St, Pilot Rock, OR compare to other homes in Pilot Rock 97868?

Among the 979 homes in Pilot Rock 97868, it is worth more than 54% of them ($233,841 against a typical $226,564), its price per square foot is higher than 40% of them ($167 against a typical $179), it is bigger than 55% of them (1,404 ft² against a typical 1,355 ft²), its lot is bigger than 67% of them (0.69 ac against a typical 0.24 ac) and it is newer than 54% of them (1965 against a typical 1959). Measured against all of Umatilla County, it is worth more than 24% 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 540 Sw Delwood St, Pilot Rock, OR?

The 2025 property tax bill for 540 Sw Delwood St, Pilot Rock, OR was $2,303. The county assessed it at $135,010.

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