16973 Varco Rd, Bend, OR 97703 Property Records

Deschutes County property record for 16973 Varco Rd, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,263 sqft · built 1990
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Company Names on Record
Last Sale	$225,000 (Jun 2013)
Tax Bill	$3,352 (2025)
Deeds & Mortgages	Feb 2024 Transfer Aug 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`161001-C0-01200`

Property Details

APN / Parcel Number

Primary APN	`161001-C0-01200`
Alternative APNs	`R6012161001C001200` `131126`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,263 sqft Living Area
Gross Area	1,704 sqft
1st Floor Area	1,263 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,113 sqft (1.38 acres)
Garage Area	441 sqft
Deck Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	131126
Street Address	16973 VARCO RD
City	BEND
State	OR
Zip	97703-9135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUA10
Legal Description	PONDEROSA CASCADE BLOCK 6 LOT 5
Legal Range	10
Legal Township	16
Legal Section	01
Legal Subdivision	PONDEROSA CASCADE
Legal Block	6
Legal Lot Number	5
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1105
Census Tract	502

Owner

Source: Deschutes County records, as of November 5, 2025

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
Mailing Address	16973 VARCO RD, BEND, OR 97703-9135
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Intrafamily Transfer, Transfer
Aug 10, 2017	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR MORTGAGE GROUP LLC ARBOR MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2013 · Amount on Record
Deed Sale	Jun 18, 2013 · Amount on Record
Deed Document Number	201325585
Last Transfer Date	Feb 29, 2024
Transfer Doc	0000004859
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Feb 29, 2024
Property Address	16973 VARCO RD, BEND, OR 97703-9135
Document Number	0000004859
Instrument Date	Feb 29, 2024
Instrument	2024-04859
Transaction Type	Transfer
Record Updated	Mar 11, 2024

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
Address	16973 VARCO RD, BEND, OR 97703-9135

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16973 VARCO RD, BEND, OR 97703-9135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LEX-FIDELITY NATL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031618
Date	Aug 10, 2017
Instrument	2017-31618

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16973 VARCO RD, BEND, OR 97703-9135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059731
Date	Nov 6, 2020
Instrument	2020-59731

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

Interest

Index	6-Month LIBOR

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16973 VARCO RD, BEND, OR 97703-9135
Document Number	0000003354
Instrument Date	Jan 12, 2021
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16973 VARCO RD BEND OR 977039135, BEND, OR 97703-9135

Mortgage

Document Number	0000003354
Date	Jan 19, 2021
Instrument	3354

Lender

Name	ARBOR MORTGAGE GROUP LLC ARBOR MORTGAGE GROUP LLC
Type	Bank
Address	BEND, OR 97701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2051

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	Sisters School District 6 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,352.00 (+3.3%)	$221,500 (+3%)	$588,080 (-) Land $368,040 Building $220,040
2024	$3,245.00 (+2.95%)	$215,050 (+3%)	$588,080 (+3.52%) Land $368,040 Building $220,040
2023	$3,152.00	$208,790	$568,080 Land $368,040 Building $200,040

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

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
Nearby Flood Policies	7 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	High above 75% of the US · lower than 61% of Oregon
Wildfire Likelihood	0.4% 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 28 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

Cell Coverage

5G (outdoors only) and 4G LTE

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