18776 Choctaw Rd, Bend, OR 97702 Property Records

Deschutes County property record for 18776 Choctaw Rd, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,092 sqft · built 1960
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$1,377,000 (Nov 2023)
Tax Bill	$4,386 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181122-D0-00801`

Property Details

APN / Parcel Number

Primary APN	`181122-D0-00801`
Alternative APN	`254295`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,092 sqft Living Area
1st Floor Area	1,536 sqft
2nd Floor Area	556 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Bi-Level
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Garage Area	336 sqft

Exterior Amenities

Deck Area	Deck Area
Shed	1 Shed
Shed Area	560 sqft
Total Buildings	3 Buildings

Location & Zoning

Account Number	254295
Street Address	18776 CHOCTAW RD
City	BEND
State	OR
Zip	97702-8962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10
Legal Description	DESCHUTES RIVER WOODS BLOCK ZZ LOT 62
Legal Range	11
Legal Township	18
Legal Section	22
Legal Subdivision	DESCHUTES RIVER WOODS
Legal Block	ZZ
Legal Lot Number	62
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1009
Census Tract	401

Owner

18776 Choctaw Rd is owned and occupied by two individuals who bought it in November 2023.

Source: Deschutes County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18776 CHOCTAW RD, BEND, OR 97702-8962
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 22, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 7, 2022	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2023 · Amount on File
Deed Sale	Nov 22, 2023 · Amount on File
Prior Sale	Oct 11, 2010 · Amount on File
Deed Document Number	202329072
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	18776 CHOCTAW RD, BEND, OR 97702-8962
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18776 CHOCTAW RD, BEND, OR 97702-8962

Mortgage

Document Number	0000032638
Date	Nov 25, 2025
Instrument	2025-32638

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 22, 2023
Property Address	18776 CHOCTAW RD, BEND, OR 97702-8962
Document Number	0000029072
Instrument Date	Nov 15, 2023
Instrument	2023-29072
Transaction Type	Transfer
Record Updated	Nov 28, 2023
Title Company	FIRST AMERICAN TITLE

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	Tenants by the Entirety
Address	18776 CHOCTAW RD, BEND, OR 97702-8962

Mortgage

Document Number	0000029073
Date	Nov 22, 2023
Instrument	2023-29073

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	18776 CHOCTAW RD, BEND, OR 97702-8962
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18776 CHOCTAW RD, BEND, OR 97702-8962

Mortgage

Document Number	0000005411
Date	Feb 7, 2022
Instrument	2022-05411

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BEND, OR 97703

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	276 Months
Due	Feb 24, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	18776 CHOCTAW RD, BEND, OR 97702-8962
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012255
Date	Feb 26, 2021
Instrument	2021-12255

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 18776 Choctaw Rd was $4,386, up 4.5% 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	$4,386.00 (+4.45%)	$288,440 (+3%)	$886,540 (-6.53%) Land $347,920 Building $538,620
2024	$4,199.00 (+6.14%)	$280,040 (+3%)	$948,480 (-0.19%) Land $361,630 Building $586,850
2023	$3,956.00	$271,890	$950,270 Land $342,600 Building $607,670

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 18776 Choctaw 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 18776 Choctaw Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 86% of Oregon
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 142 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: CenturyLink, Yellowknife Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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