16856 Downey Rd, Bend, OR 97707 Property Records

Deschutes County property record for 16856 Downey Rd, Bend, OR 97707

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,705 sqft · built 2004
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$749,900 (Apr 2022)
Tax Bill	$4,227 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`201012-B0-07700`

Property Details

APN / Parcel Number

Primary APN	`201012-B0-07700`
Alternative APNs	`R1011201012B007700` `115772`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,705 sqft Living Area
Gross Area	3,178 sqft
1st Floor Area	1,147 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Lot Area	25,700 sqft (0.59 acres)
Garage Area	473 sqft

Exterior Amenities

Deck Area	335 sqft
Shed	1 Shed
Shed Area	120 sqft
Lean-To	80 sqft
Total Buildings	3 Buildings

Location & Zoning

Account Number	115772
Street Address	16856 DOWNEY RD
City	BEND
State	OR
Zip	97707-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10
Legal Description	DESCHUTES RIVER RECREATION HOMESITES INC UNIT 5 BLOCK 24 LOT 35
Legal Range	10
Legal Township	20
Legal Section	12
Legal Subdivision	DESCHUTES RIVER RECREATION HOMESITES INC
Legal Block	24
Legal Lot Number	35
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1007
Census Tract	404

Owner

Source: Deschutes County records, as of May 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	16856 DOWNEY RD, BEND, OR 97707-2013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CANOPY MORTGAGE LLC
Apr 4, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Prior Sale	Jun 7, 2004 · Amount on Record
Deed Document Number	202214114
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16856 DOWNEY RD, BEND, OR 97707-2013
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16856 DOWNEY RD, BEND, OR 97707-2013

Mortgage

Document Number	0000015209
Date	Jun 26, 2023
Instrument	2023-15209

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16856 DOWNEY RD, BEND, OR 97707-2013
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025486
Date	Jun 30, 2017
Instrument	2017-25486

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16856 DOWNEY RD, BEND, OR 97707-2013
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017442
Date	Mar 19, 2021
Instrument	2021-17442

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

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

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 4, 2022
Property Address	16856 DOWNEY RD, BEND, OR 97707-2013
Document Number	0000014114
Instrument Date	Apr 1, 2022
Instrument	2022-14114
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	1410 BELLEAIRE ST, OCEANSIDE, CA 92054-5502

Mortgage

Document Number	0000014115
Date	Apr 4, 2022
Instrument	2022-14115

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of November 5, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
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	$4,227.00 (+4.16%)	$229,880 (+3%)	$951,610 (+16.06%) Land $192,500 Building $759,110
2024	$4,058.00 (+2.37%)	$223,190 (+3%)	$819,930 (-17.17%) Land $172,500 Building $647,430
2023	$3,964.00	$216,690	$989,930 Land $196,500 Building $793,430

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Oregon
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Starlink Satellite	280 / 30

May also be available: Verizon.

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