Portland Maps

Oregon Department of Environmental Quality

State of Oregon

City of Portland

Oil Tank Information

Oregon Construction Contractors Board


Portland Public School District

Gladstone School District

North Clackamas School District 

David-Douglas School District

Centennial School District

Parkrose School District

Reynolds School District

Gresham-Barlow School District

Oregon City School District

Beaverton School District

Hillsboro School District

Riverdale School District

Lake Oswego School District

Tigard-Tualatin School District

Sherwood School District

West Linn-Wilsonville School District


Architects & Designers:
Duhon Consulting & Design, Art Duhon 503-317-5653

Bittner&Hahs, Terry Bittner 503-228-5626
Quirin Law, Phil Quirin

Tonstone Granite & Cabinet, Peter Ton 503-936-4313

Maximum Cleaning 503-244-8515

Kemper Drywall 503-692-2838

La Londe Electric, Bruce LaLonde 503-969-8491

Hayden Consulting Engineers, 503-968-9994

Banr Enterprises, Scott Davis 503-519-1412

Macadam Floor & Design, Randy Bush 503-246-9800

General Contractor:
Endura Construction 503-482-0500

Liberty Sheet Metal
Gutters R Us 503-750-8499

Handyman Services:
TKC Construction, 503-422-6555

Heating & Cooling:
Morris Heating & AC, Brad Morris 503-655-5616
Pyramid Heating & Cooling 503-786-9522

Home Inspectors:
Associated Inspection Firm, James Fronsdahl 503-774-1916
Mountain View Home Inspections, Ken Epp 503-251-6973

Alliance Insurance Group, Dan Terry 503-701-6672
Ross & Associates, Derek Atwood 503-698-3833

Landscape Supplies:

Clackamas River Plumbing, Andrew Nelson 503-201-5038

Recycling Centers:

Northwest Restoration, Jim Clark 503-582-0500

Rock Retaining Walls & Boulders:
Banr Enterprises, Scott Davis 503-519-1412

Bliss Roofing 503-653-6100
Fisher Roofing 503-227-7663


A   B   C   D   E   F   G   H   I   J   K   L   M   N   O   P   Q   R   S   T   U   V   W   X   Y   Z


Appraisal – An opinion of value.

Assessed Value – Value placed on property by the County for the purpose of computing real property taxes.

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BPO – Broker’s Price Opinion also called a Comparative Market Analysis. A method of appraisal in which selling prices of similar properties are used as the basis for arriving at the value estimate. Institutional sellers usually rely on a BPO prepared by a real estate agent and a professional appraisal to determine a listing price.

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Certificate of Sale – A certificate issued to a buyer at a judicial sale (e.g. foreclosure)

Certificate of Title – This certificate is issued to a buyer 10 days after the foreclosure sale.

Certified Funds – Same as cash. Buyer’s monies must be brought to the closing in this form.

Closing – The final accounting of the real estate sale. The closing Statement outlines the costs on both the buyers and the seller’s side of the transaction.

Contingent – Dependent upon conditions or events. There are conditions the institutional seller will consider in an offer to purchase such as the ability of the buyer to obtain a mortgage or perform inspections. The sale of another property to raise sufficient funds is an example of a contingent usually not considered.

Contract – A promise. Only when an offer to purchase has been fully executed (signed and initialed) by buyer and seller does it become a contract.

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Default Judgment – Against someone because they failed to show up in court.

Deficiency Judgment – Decision requiring a borrower to pay the lender the difference between the mortgage balance and the amount realized at the foreclosure sale.

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Earnest Money – An amount of money given with the offer to purchase as a “good faith” gesture of the buyer’s serious intent. Although not required by law in Florida, most institutional sellers require a minimum $500-$1000 deposit in a trust account with an offer.

Escrow – The deposit of funds with a bonded neutral third party with instructions to carry out the provisions of a contract. Earnest money deposits are usually held in the trust accounts of a real estate Broker, title company or attorney.

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Fee Simple – Complete legal ownership of a property.

Federal Housing Administration (FHA) – Federal agency that administers FHA insured loans.

Federal Tax Lien – An obligation to the federal government as a result of non-payment of taxes.

F.N.M.A. – Abbreviation for the Federal National Mortgage Association affectionately known as “Fannie Mae”, an agency which buys blocks of loans from banks. Due to its size, Fannie Mae Foreclosures make up a significant percentage of our Florida inventory.

F.H.L.M.C. – Abbreviation for the Federal Home Loan Mortgage Corporation affectionately known as “Freddie Mac”, an agency performing a similar function to Fannie Mae and now much larger. Special financing is offered on Freddie Mac Foreclosures.

Foreclosure – Forced sale of property ordered by a lender due to delinquency in mortgage payments. A foreclosure sale terminates all rights of the mortgagor.

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G.N.M.A. – Government National Mortgage Association affectionately known, as Ginnie Mae is an agency in the secondary mortgage market dealing primarily in recycling VA and FHA mortgages. Grantee. The buyer.

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HUD – Abbreviation for the Department of Housing and Urban Development, an agency that oversees FHA. FHA foreclosures are called HUD Homes.

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Institutional Lender – Financial institutions whose loans are regulated by law such as banks, credit unions and commercial loan agencies.

Involuntary Lien – A lien imposed against property without the owner’s consent such as taxes, special assessments, federal income taxes, etc.

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Junior Lien – A lien that does not have first priority making the property security for payment of a debt.

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Lien – An encumbrance using the property as security for the payment of a debt or obligation of the property owner.

Lis Pendens – Lawsuit pending. This usually recorded in Florida to give constructive notice of pending litigation.

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Mechanic’s Lien – A lien placed on property by laborers or material suppliers who have contributed to an improvement.

Mortgage – A legal conveyance of property to a creditor for security (from the Latin meaning death pledge).

Mortgagee – The lender.

Mortgagor – The borrower.

MLS – Multiple Listing Services run by local Realtor associations.

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Notice of Default – A notice filed to show that the borrower under a mortgage is in default.

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Points – A charge made by the lender for loaning money. One point equals one percent of the loan.

Portfolio Loan – Loan originated and held ‘in house’ as part of a lender’s investments.

PMI – Private Mortgage Insurance required as part of the monthly payment in loans less than 80% loan to value (less than 20% down payment).

Pre-foreclosure – Period between when a borrower becomes delinquent and the property is foreclosed upon.

Principal – A person acting for him/herself in a transaction. Also the amount of a loan exclusive of interest.

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Qualifying – Process of demonstrating a person is credit worthy and has enough money to buy a property. Institutional sellers may require “proof” in the form of a letter from a lender or some verification of the source of funds if the sale is cash.

Quiet Title – Legal process to eliminate title problems.

Quitclaim – A form of deed in which the grantor is giving the grantee rights to a property but makes no warranties about rights others may have.

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Realtor – A broker or sales agent who is a member of a local real estate board affiliated with the National Association of Realtors.

R.E.O. – An abbreviation for Real Estate Owned most commonly used to describe properties acquired in foreclosure and owned by institutions.

Right of Redemption – Right to buy a property back for a limited period of time (usually 10 days) after a foreclosure sale.

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Secondary Mortgage Market – Fannie Mae, Freddie Mac, Ginnie Mae were originally chartered by the federal government to stimulate the economy by either buying or recycling packages of loans from financial institutions.

Sheriff’s Deed – Deed given by court order to satisfy a judgment.

Short Sale – In some instances in Florida a lender may agree to adjust the amount owed in order to get the property sold.

Special Warranty Deed – See warranty deed. “Special” indicates there are limitations.

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Title – Evidence that an owner is in lawful possession; instrument evidencing ownership.

Title Insurance – Policy written by a title company to protect a property owner against loss if the title is imperfect.

Title Search – Process to determine validity of the title to real estate.

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Warranty Deed – Assures the title conveyed is good and possession will be undisturbed.

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2051 Willamette Falls Drive

West Linn, Oregon 97068

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