16973 Downey Rd, Bend, OR 97707 Property Records

Deschutes County property record for 16973 Downey Rd, Bend, OR 97707

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 1977
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on File
Last Sale	$414,000 (Nov 2025)
Tax Bill	$3,381 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`201012-B0-10400`

Property Details

APN / Parcel Number

Primary APN	`201012-B0-10400`
Alternative APNs	`R1012201012B010400` `117316`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,712 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,136 sqft
Attic	Attic
Attic Area	256 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bi-Level
Exterior Material	Wood Shingle
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	25,700 sqft (0.59 acres)
Garage Area	720 sqft
Deck Area	744 sqft
Shed	1 Shed
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	117316
Street Address	16973 DOWNEY RD
City	BEND
State	OR
Zip	97707-2269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10
Legal Description	DESCHUTES RIVER RECREATION HOMESITES INC UNIT 4 BLOCK 25 LOT 21
Legal Range	10
Legal Township	20
Legal Section	12
Legal Subdivision	DESCHUTES RIVER RECREATION HOMESITES INC
Legal Block	25
Legal Lot Number	21
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1023
Census Tract	404

Owner

16973 Downey Rd is owned and occupied by two individuals who bought it in November 2025.

Source: Deschutes County records, as of May 26, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	16973 DOWNEY RD, BEND, OR 97707-2269
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Warranty Deed, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage RANLIFE
Feb 23, 2017	Deed of Trust, Mortgage · FHA Mortgage RANLIFE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2025 · Amount on File
Deed Sale	Nov 14, 2025 · Amount on File
Prior Sale	Jun 7, 2016 · Amount on File
Deed Document Number	202531313
Prior Transfer Date	Mar 17, 2005
Prior Transfer Doc	0000016253
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 14, 2025
Property Address	16973 DOWNEY RD, BEND, OR 97707-2269
Document Number	0000031313
Map Reference	CAB A PG 108
Instrument Date	Nov 6, 2025
Instrument	2025-31313
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount on Record
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	Right of Survivorship
Address	16973 DOWNEY RD, BEND, OR 97707-2269

Mortgage

Document Number	0000031314
Date	Nov 14, 2025
Instrument	2025-31314

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16973 DOWNEY RD, BEND, OR 97707-2269
Document Number	0000020496
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	16973 DOWNEY RD BEND OR 977072269, BEND, OR 97707-2269

Mortgage

Document Number	0000020496
Date	May 8, 2020
Instrument	20496

Lender

Name	RANLIFE
Address	SANDY, UT 84070

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16973 DOWNEY RD, BEND, OR 97707-2269
Document Number	0000007882
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 9, 2017
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	16973 DOWNEY RD BEND OR 977072013, BEND, OR 97707-2013

Mortgage

Document Number	0000007882
Date	Feb 28, 2017
Instrument	7882

Lender

Name	RANLIFE
Address	SANDY, UT 84070

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 16973 Downey Rd was $3,381, up 4.2% from the year before.

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	$3,381.00 (+4.16%)	$183,140 (+3%)	$542,060 (+15.31%) Land $189,000 Building $353,060
2024	$3,246.00 (+2.33%)	$177,810 (+2.99%)	$470,070 (-8.76%) Land $169,000 Building $301,070
2023	$3,172.00	$172,640	$515,200 Land $193,000 Building $322,200

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

FEMA maps place 16973 Downey Rd in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 16973 Downey Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% of Oregon
Wildfire Likelihood	0.07% 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 114 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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