1631 NE Cliff Dr, Bend, OR 97701 Property Records

Deschutes County property record for 1631 NE Cliff Dr, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,577 sqft · built 1990
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$403,344 (Jun 2020)
Tax Bill	$3,902 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171227 CD 01900`

Property Details

APN / Parcel Number

Primary APN	`171227 CD 01900`
Alternative APNs	`R1001171227CD01900` `100357`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,577 sqft Living Area
1st Floor Area	1,577 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Other
Foundation Type	Concrete
Roof Material	Wood Shingle
Lot Area	13,504 sqft (0.31 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	484 sqft
Deck Area	497 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	100357
Old Parcel Number	R1001171227CD01900
Street Address	1631 NE CLIFF DR
City	BEND
State	OR
Zip	97701-6125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT:1 BLK:2 SUBD:EDGECLIFF SEC/TWN/RNG/MER:SEC 27 TWN 17 RNG 12 MAP REF:171227-CD
Legal Range	12E
Legal Township	17S
Legal Section	27
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	EDGECLIFF
Legal Block	2
Legal Lot Number	1
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1011
Census Tract	1702

Owner

1631 NE Cliff Dr is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1631 NE CLIFF DR, BEND, OR 97701-6125
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Mar 23, 2021	Deed of Trust, Mortgage · VA Mortgage COMMERCE HOME MORTGAGE LLC
Jun 12, 2020	Warranty Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 9, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE CASCADES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2020 · Amount on File
Deed Sale	Jun 12, 2020 · Amount on File
Deed Document Number	2020-27362
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	1631 NE CLIFF DR, BEND, OR 97701-6125
Transaction Type	Mortgage
Record Updated	Jan 7, 2022
Title Company	WESTERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1631 NE CLIFF DR, BEND, OR 97701-6125

Mortgage

Document Number	0000071528
Date	Dec 30, 2021
Instrument	2021-71528

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	1631 NE CLIFF DR, BEND, OR 97701-6125
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018125
Date	Mar 23, 2021
Instrument	2021-18125

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 12, 2020
Property Address	1631 NE CLIFF DR, BEND, OR 97701-6125
Document Number	0000027362
Map Reference	CAB B PG 165
Instrument Date	Jun 11, 2020
Instrument	2020-27362
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	DESCHUTES COUNTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1631 NE CLIFF DR, BEND, OR 97701-6125

Mortgage

Document Number	0000027363
Date	Jun 12, 2020
Instrument	2020-27363

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	1631 NE CLIFF DR, BEND, OR 97701-6125
Document Number	0000018652
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	May 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1631 NE CLIFF DR BEND OR 977016125, BEND, OR 97701-6125

Mortgage

Document Number	0000018652
Date	May 16, 2017
Instrument	18652

Lender

Name	BANK OF THE CASCADES
Type	Bank
Address	BEND, OR 97703

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 15, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1631 NE Cliff Dr was $3,902, up 3.9% from the year before.

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	$3,902.00 (+3.94%)	$262,550 (+3%)	$648,750 (+0.63%) Land $240,010 Building $408,740
2024	$3,754.00 (+7.87%)	$254,910 (+3%)	$644,700 (-) Land $240,010 Building $404,690
2023	$3,480.00	$247,490	$644,700 Land $240,010 Building $404,690

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1631 NE Cliff Dr in Zone X, an area of minimal flood risk.

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

The area around 1631 NE Cliff Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 377 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Webformix.

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