16981 Indio Rd, Bend, OR 97707 Property Records

Deschutes County property record for 16981 Indio Rd, Bend, OR 97707

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 935 sqft · built 1997
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$487,500 (Jul 2023)
Tax Bill	$2,492 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`201012-C0-18200`

Property Details

APN / Parcel Number

Primary APN	`201012-C0-18200`
Alternative APNs	`R1012201012C018200` `115989`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	935 sqft Living Area
Gross Area	1,335 sqft
1st Floor Area	935 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	115989
Street Address	16981 INDIO RD
City	BEND
State	OR
Zip	97707-2069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10
Legal Description	DESCHUTES RIVER RECREATION HOMESITES INC UNIT 4 BLOCK 30 LOT 9
Legal Range	10
Legal Township	20
Legal Section	12
Legal Subdivision	DESCHUTES RIVER RECREATION HOMESITES INC
Legal Block	30
Legal Lot Number	9
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1034
Census Tract	404

Owner

Source: Deschutes County records · APN 201012-C0-18200

Assessment roll updated November 5, 2025 · Last verified June 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 File
Mailing Address	16981 INDIO RD, BEND, OR 97707-2069
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jul 17, 2023	Warranty Deed, Transfer WESTERN TITLE & ESCROW
Jun 03, 2020	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Oct 06, 2017	Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Sep 01, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Jun 03, 2020 · Amount on Record
Deed Document Number	202317313
Prior Transfer Date	Aug 08, 2017
Prior Transfer Doc	0000035203
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16981 INDIO RD, BEND, OR 97707-2069
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034277
Date	Dec 12, 2025
Instrument	2025-34277

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	COQUILLE, OR 97423

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 11, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	16981 INDIO RD, BEND, OR 97707-2069
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026186
Date	Oct 20, 2023
Instrument	2023-26186

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	COQUILLE, OR 97423

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 19, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 17, 2023
Property Address	16981 INDIO RD, BEND, OR 97707-2069
Document Number	0000017313
Instrument Date	Jul 13, 2023
Instrument	2023-17313
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	16981 INDIO RD, BEND, OR 97707-2069

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 03, 2020
Property Address	16981 INDIO RD, BEND, OR 97707-2069
Document Number	0000025414
Map Reference	CAB A PG 108
Instrument Date	May 04, 2020
Instrument	2020-25414
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
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	16981 INDIO RD, BEND, OR 97707-2069

Mortgage

Document Number	0000025415
Date	Jun 03, 2020
Instrument	2020-25415

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 06, 2017
Property Address	16981 INDIO RD, BEND, OR 97707-2069
Document Number	0000040023
Instrument Date	Aug 17, 2017
Instrument	2017-40023
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	16981 INDIO RD, BEND, OR 97707-2069

Mortgage

Document Number	0000040024
Date	Oct 06, 2017
Instrument	2017-40024

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Sep 01, 2017
Property Address	16981 INDIO RD, BEND, OR 97707-2069
Document Number	0000035203
Instrument Date	Aug 08, 2017
Instrument	35203
Transaction Type	Transfer
Record Updated	Sep 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16981 INDIO RD BEND OR 977072069, BEND, OR 97707-2069

Tax Assessment & Valuation

Source: Deschutes County records · Assessment roll updated November 5, 2025 · Last verified June 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,492.00 (+4.14%)	$134,010 (+3%)	$443,140 (+3.14%) Land $189,000 Building $254,140
2024	$2,393.00 (+2.31%)	$130,110 (+2.99%)	$429,630 (-0.38%) Land $169,000 Building $260,630
2023	$2,339.00 (+8.39%)	$126,330 (+6.08%)	$431,280 (+54.75%) Land $193,000 Building $238,280
2022	$2,158.00	$119,090	$278,700 Land $104,000 Building $174,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 11, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 85% of Oregon
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 131 locations within half a mile of this property.

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