18778 River Woods Dr, Bend, OR 97702 Property Records

Deschutes County property record for 18778 River Woods Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,127 sqft · built 1992
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Aug 2017)
Tax Bill	$4,397 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181127 AA 02100`

Property Details

APN / Parcel Number

Primary APN	`181127 AA 02100`
Alternative APNs	`R1003181127A002600` `107802`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,127 sqft Living Area
1st Floor Area	1,483 sqft
2nd Floor Area	644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Split Level
Lot Area	47,045 sqft (1.08 acres)
View / Lot	Fair
Garage Type	Mixed
Garage Area	529 sqft

Exterior Amenities

Deck Area	185 sqft
Greenhouse	Greenhouse
Lean-To	110 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	107802
Old Parcel Number	R1003181127A002600
Street Address	18778 RIVER WOODS DR
City	BEND
State	OR
Zip	97702-7904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:57 BLK:X SUBD:DESCHUTES RIVER WOODS SEC/TWN/RNG/MER:SEC 27 TWN 18 RNG 11 MAP REF:181127-AA
Legal Range	11E
Legal Township	18S
Legal Section	27
Legal Quarter	NE
Quarter-Quarter Section	NE
Legal Subdivision	DESCHUTES RIVER WOODS
Legal Block	X
Legal Lot Number	57
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1013
Census Tract	401

Owner

Source: Deschutes County records, as of January 12, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	18778 RIVER WOODS DR, BEND, OR 97702-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Aug 18, 2017	Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2017 · Amount on Record
Deed Sale	Aug 18, 2017 · Amount on Record
Prior Sale	Aug 18, 2017 · Amount on Record
Deed Document Number	0000033057
Last Transfer Date	Mar 15, 2021
Transfer Doc	0000015984
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	18778 RIVER WOODS DR, BEND, OR 97702-7904
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065716
Date	Nov 29, 2021
Instrument	2021-65716

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	7.5%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Mar 15, 2021
Property Address	18778 RIVER WOODS DR, BEND, OR 97702-7904
Document Number	0000015984
Map Reference	CAB C PG 252
Instrument Date	Jul 23, 2020
Instrument	2021-15984
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	AMROCK

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
Relationship	Tenants by the Entirety
Address	18778 RIVER WOODS DR, BEND, OR 97702-7904

Mortgage

Document Number	0000015985
Date	Mar 15, 2021
Instrument	2021-15985

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Aug 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 18, 2017
Property Address	18778 RIVER WOODS DR, BEND, OR 97702-7904
Document Number	0000033057
Instrument Date	Aug 15, 2017
Instrument	33057
Transaction Type	Transfer
Record Updated	Aug 28, 2017
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES CNTY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	18778 RIVER WOODS DR BEND OR 977027904, BEND, OR 97702-7904

Mortgage

Document Number	33058
Date	Aug 18, 2017
Instrument	33058

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2047

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 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	$4,397.00 (+4.44%)	$289,160 (+3%)	$765,040 (-4.9%) Land $281,700 Building $483,340
2024	$4,210.00 (+6.15%)	$280,740 (+3%)	$804,480 (-2.52%) Land $292,500 Building $511,980
2023	$3,966.00	$272,570	$825,250 Land $277,500 Building $547,750

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

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 85% of Oregon
Wildfire Likelihood	0.05% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AVION WC - TUSCARORA private · serves 120 people · EPA ID OR4101155
Water Source	Groundwater
Last State Inspection	Apr 2024
Also Mapped Here	AGATE WATER SYSTEM
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 98 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
CenturyLink DSL	140 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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