1648 NE Bear Creek Rd, Bend, OR 97701 Property Records

Deschutes County property record for 1648 NE Bear Creek Rd, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,720 sqft · built 1973
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$486,000 (Feb 2017)
Tax Bill	$4,717 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171234 CC 01601`

Property Details

APN / Parcel Number

Primary APN	`171234 CC 01601`
Alternative APNs	`R1001171234CC01601` `105905`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,720 sqft Living Area
1st Floor Area	1,644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Architectural Style	Other
Lot Area	13,068 sqft (0.3 acres)
Terrain	Other
View / Lot	Good
Garage Type	Mixed
Garage Area	441 sqft

Exterior Amenities

Porch	Porch
Porch Area	110 sqft
Deck Area	132 sqft
Lean-To	253 sqft

Location & Zoning

Account Number	105905
Old Parcel Number	R1001171234CC01601
Street Address	1648 NE BEAR CREEK RD
City	BEND
State	OR
Zip	97701-5021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:7 BLK:2 SUBD:EASTSIDE ADDITION SEC/TWN/RNG/MER:SEC 34 TWN 17 RNG 12 MAP REF:171234-CC
Legal Range	12E
Legal Township	17S
Legal Section	34
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	EASTSIDE ADDITION
Legal Block	2
Legal Lot Number	7
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2006
Census Tract	1802

Owner

1648 NE Bear Creek Rd is owned by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	228 GHARKEY ST, SANTA CRUZ, CA 95060-6104
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
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage SILICON VALLEY BANK
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERSTATE BANK
Feb 15, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE CASCADES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2017 · Amount on File
Deed Sale	Feb 15, 2017 · Amount on File
Prior Sale	Jul 10, 2013 · Amount on File
Deed Document Number	2017-06203
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	1648 NE BEAR CREEK RD, BEND, OR 97701-5021
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003755
Date	Jan 27, 2022
Instrument	2022-03755

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CLARA, CA 95054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	2%
Max Rate At Change	3%
Index	1-Year LIBOR
Max Rate	7%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	1648 NE BEAR CREEK RD, BEND, OR 97701-5021
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032241
Date	Jul 7, 2020
Instrument	2020-32241

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BEND, OR 97702

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Feb 15, 2017
Property Address	1648 NE BEAR CREEK RD, BEND, OR 97701-5021
Document Number	0000006203
Instrument Date	Feb 14, 2017
Instrument	6203
Transaction Type	Transfer
Record Updated	Feb 22, 2017
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$486.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1648 NE BEAR CREEK RD BEND OR 977015021, BEND, OR 97701-5021

Mortgage

Document Number	6204
Date	Feb 15, 2017
Instrument	6204

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 1648 NE Bear Creek Rd was $4,717, 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	$4,717.00 (+3.94%)	$279,210 (+3%)	$752,400 (+1.47%) Land $197,870 Building $554,530
2024	$4,538.00 (+7.87%)	$271,080 (+3%)	$741,530 (-4.14%) Land $197,870 Building $543,660
2023	$4,207.00	$263,190	$773,570 Land $207,260 Building $566,310

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

Flood

FEMA maps place 1648 NE Bear Creek Rd 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

Wildfire risk around 1648 NE Bear Creek Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% of Oregon
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 344 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 · Fiber in parts of the area	140 / 20

May also be available: Lightspeed Networks, T-Mobile, Verizon, Webformix.

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