191 NW 16th St, Bend, OR 97703 Property Records

Deschutes County property record for 191 NW 16th St, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,412 sqft · built 1998
Lot Size	0.339 acres (14,810 sqft)
Owner	2 Company Names on Record
Last Sale	$642,000 (Dec 2019)
Tax Bill	$7,080 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171231 CD 00144`

Property Details

APN / Parcel Number

Primary APN	`171231 CD 00144`
Alternative APNs	`R1001171231CD00144` `190362`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,412 sqft Living Area
1st Floor Area	1,685 sqft
Attic	Attic
Attic Area	402 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)
Garage Type	Mixed
Garage Area	572 sqft
Deck Area	216 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	190362
Old Parcel Number	R1001171231CD00144
Street Address	191 NW 16TH ST
City	BEND
State	OR
Zip	97703-3057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:44 SUBD:WEST BEND VILLAGE PHASES 3, 4 & 5 SEC/TWN/RNG/MER:SEC 31 TWN 17 RNG 12 MAP REF:171231-CD
Legal Range	12E
Legal Township	17S
Legal Section	31
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	WEST BEND VILLAGE PHASES 3, 4 & 5
Legal Lot Number	44
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2015
Census Tract	1401

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	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	191 NW 16TH ST, BEND, OR 97703-3057
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC
Dec 2, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Prior Sale	Dec 2, 2019 · Amount on Record
Deed Document Number	0000047010
Last Transfer Date	Apr 14, 2025
Transfer Doc	0000009086
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	191 NW 16TH ST, BEND, OR 97703-3057
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041833
Date	Nov 29, 2022
Instrument	2022-41833

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	191 NW 16TH ST, BEND, OR 97703-3057
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031372
Date	Jul 1, 2020
Instrument	2020-31372

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 2, 2019
Property Address	191 NW 16TH ST, BEND, OR 97703-3057
Document Number	0000047010
Instrument Date	Nov 25, 2019
Instrument	2019-47010
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
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	191 NW 16TH ST, BEND, OR 97703-3057

Mortgage

Document Number	0000047011
Date	Dec 2, 2019
Instrument	2019-47011

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
Municipality	Bend City
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	$7,080.00 (+3.93%)	$419,080 (+3%)	$1,169,400 (-6.95%) Land $529,340 Building $640,060
2024	$6,812.00 (+7.87%)	$406,880 (+3%)	$1,256,680 (-) Land $529,340 Building $727,340
2023	$6,315.00	$395,030	$1,256,680 Land $529,340 Building $727,340

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	Not rated no burnable land within 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	CITY OF BEND serves 77,704 people · EPA ID OR4100100
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vero Fiber Fiber	2,300 / 2,300
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon, Webformix.

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