18975 Choctaw Rd, Bend, OR 97702 Property Records

Deschutes County property record for 18975 Choctaw Rd, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,170 sqft · built 2018
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jan 2025)
Tax Bill	$4,440 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181126-BD-00700`

Property Details

APN / Parcel Number

Primary APN	`181126-BD-00700`
Alternative APN	`248749`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,170 sqft Living Area
Gross Area	2,683 sqft
1st Floor Area	2,170 sqft
Family Room	Family Room
Great Room	Great Room
Utility Room	Utility Room

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	38,333 sqft (0.88 acres)
Garage Area	513 sqft

Location & Zoning

Account Number	248749
Street Address	18975 CHOCTAW RD
City	BEND
State	OR
Zip	97702-7203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10
Legal Description	DESCHUTES RIVER WOODS BLOCK X X LOT PTS 33 & 34
Legal Range	11
Legal Township	18
Legal Section	26
Legal Subdivision	DESCHUTES RIVER WOODS
Legal Block	X X
Legal Lot Number	33&34
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 September 8, 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 Record
Mailing Address	18975 CHOCTAW RD, BEND, OR 97702-7203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CREDIT UNION
Aug 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Jun 13, 2018	Warranty Deed, Transfer WESTERN TITLE AND ESCROW COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on Record
Deed Sale	Jan 31, 2025 · Amount on Record
Prior Sale	Aug 12, 2021 · Amount on Record
Deed Document Number	20252246
Prior Transfer Date	Jul 29, 2021
Prior Transfer Doc	0000047032
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Aug 21, 2026
Property Address	18975 CHOCTAW RD, BEND, OR 97702-7203
Document Number	0000025155
Instrument Date	Aug 18, 2026
Instrument	202625155
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	18975 CHOCTAW RD, BEND, OR 97702-7203

Mortgage

Document Number	0000025155,
Date	Aug 21, 2026
Instrument	202625155

Lender

Name	ONPOINT COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Aug 12, 2021
Property Address	18975 CHOCTAW RD, BEND, OR 97702-7203
Document Number	0000047032
Instrument Date	Jul 29, 2021
Instrument	2021-47032
Transaction Type	Transfer
Record Updated	Aug 25, 2021

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	18975 CHOCTAW RD, BEND, OR 97702-7203

Mortgage

Document Number	0000047033
Date	Aug 12, 2021
Instrument	2021-47033

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	18975 CHOCTAW RD, BEND, OR 97702-7203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025593
Date	Jul 22, 2019
Instrument	2019-25593

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BEND, OR 97701

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 16, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 13, 2018
Property Address	18975 CHOCTAW RD, BEND, OR 97702-7203
Document Number	0000024087
Instrument Date	Jun 11, 2018
Instrument	24087
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	WESTERN TITLE AND ESCROW COMPANY

Transaction

Amount	Amount Recorded
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2528 NE CRETIA CT BEND OR 977014284, BEND, OR 97701-4284

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	Bend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,440.00 (+4.45%)	$292,030 (+3%)	$942,890 (-3.33%) Land $281,700 Building $661,190
2024	$4,251.00 (+6.17%)	$283,530 (+3%)	$975,330 (-1.66%) Land $292,500 Building $682,830
2023	$4,004.00	$275,280	$991,830 Land $277,500 Building $714,330

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

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 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 178 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
CenturyLink DSL	140 / 20

May also be available: Verizon.

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