1586 NW Cumberland Ave, Bend, OR 97703 Property Records

Deschutes County property record for 1586 NW Cumberland Ave, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,757 sqft · built 1996
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Company Names on Record
Last Sale	$758,000 (Oct 2018)
Tax Bill	$5,776 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171231 CD 00133`

Property Details

APN / Parcel Number

Primary APN	`171231 CD 00133`
Alternative APNs	`R1001171231CD00133` `190351`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,757 sqft Living Area
1st Floor Area	1,170 sqft
2nd Floor Area	1,587 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Split Level
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Mixed
Garage Area	484 sqft
Deck Area	638 sqft

Location & Zoning

Account Number	190351
Old Parcel Number	R1001171231CD00133
Street Address	1586 NW CUMBERLAND AVE
City	BEND
State	OR
Zip	97703-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:55 SUBD:WEST BEND VILLAGE PHASES 3, 4 & 5 SEC/TWN/RNG/MER:SEC 31 TWN 17 RNG 12 MAP REF:171231-CD
Legal Range	12E
Legal Township	17S
Legal Section	31
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	WEST BEND VILLAGE PHASES 3, 4 & 5
Legal Lot Number	55
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2019
Census Tract	1401

Owner

Source: Deschutes County records, as of January 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	1586 NW CUMBERLAND AVE, BEND, OR 97703-3155
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONS LENDING CORP
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Nov 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 12, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Oct 12, 2018 · Amount on Record
Deed Document Number	0000041127
Last Transfer Date	Mar 25, 2022
Transfer Doc	0000012564
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Mar 25, 2022
Property Address	1586 NW CUMBERLAND AVE, BEND, OR 97703-3155
Document Number	0000012564
Instrument Date	Mar 18, 2022
Instrument	2022-12564
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	MORTGAGE INFORMATION SVCS IN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1586 NW CUMBERLAND AVE, BEND, OR 97703-3155

Mortgage

Document Number	0000012565
Date	Mar 25, 2022
Instrument	2022-12565

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.12%
Index	Other
Margin	3
Max Rate	8.12%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	1586 NW CUMBERLAND AVE, BEND, OR 97703-3155
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038805
Date	Jun 28, 2021
Instrument	2021-38805

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	1586 NW CUMBERLAND AVE, BEND, OR 97703-3155
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046025
Date	Nov 19, 2018
Instrument	2018-46025

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 12, 2018
Property Address	1586 NW CUMBERLAND AVE, BEND, OR 97703-3155
Document Number	0000041127
Instrument Date	Oct 10, 2018
Instrument	41127
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$758.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1586 NW CUMBERLAND AVE BEND OR 977033155, BEND, OR 97703-3155

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
Municipality	Bend City
Unified School District	Bend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,776.00 (+3.92%)	$341,900 (+3%)	$1,081,750 (-7.62%) Land $427,330 Building $654,420
2024	$5,558.00 (+7.88%)	$331,950 (+3%)	$1,170,990 (-) Land $427,330 Building $743,660
2023	$5,152.00	$322,290	$1,170,990 Land $427,330 Building $743,660

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 11, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BEND serves 77,704 people · EPA ID OR4100100
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 544 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Vero Fiber, Webformix.

Nearby Properties on NW Cumberland Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures