19939 Elm Ln, Bend, OR 97703 Property Records

Deschutes County property record for 19939 Elm Ln, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,621 sqft · built 1978
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Jul 2023)
Tax Bill	$4,090 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`161231-D0-05500`

Property Details

APN / Parcel Number

Primary APN	`161231-D0-05500`
Alternative APNs	`R2025161231D005500` `133573`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,621 sqft Living Area
Gross Area	2,197 sqft
1st Floor Area	1,621 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1984
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Tile
Lot Area	19,166 sqft (0.44 acres)
Garage Area	576 sqft
Deck Area	170 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	133573
Street Address	19939 ELM LN
City	BEND
State	OR
Zip	97703-9047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TUR
Legal Description	DESCHUTES RIVER TRACT LOT 42
Legal Range	12
Legal Township	16
Legal Section	31
Legal Subdivision	DESCHUTES RIVER TRACT
Legal Lot Number	42
Jurisdiction	DESCHUTES OR
Township / Civil Division	TUMALO
Census Block Group	2
Census Block	2035
Census Tract	602

Owner

Source: Deschutes County records, as of May 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	19939 ELM LN, BEND, OR 97703-9047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage BERKSHIRE BANK
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage MID OREGON FCU
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Jun 25, 2019	Warranty Deed, Transfer WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Aug 16, 2021 · Amount on Record
Deed Document Number	202316556
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19939 ELM LN, BEND, OR 97703-9047
Transaction Type	Mortgage
Record Updated	Oct 17, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19939 ELM LN, BEND, OR 97703-9047

Mortgage

Document Number	0000024952
Date	Oct 6, 2023
Instrument	2023-24952

Lender

Name	BERKSHIRE BANK
Type	Bank
Address	CHICOPEE, MA 01021

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	263 Months
Due	Aug 31, 2045

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 7, 2023
Property Address	19939 ELM LN, BEND, OR 97703-9047
Document Number	0000016556
Instrument Date	Jul 7, 2023
Instrument	2023-16556
Transaction Type	Transfer
Record Updated	Jul 18, 2023
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	19939 ELM LN, BEND, OR 97703-9047

Mortgage

Document Number	0000016557
Date	Jul 7, 2023
Instrument	2023-16557

Lender

Name	MID OREGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.51%
Max Rate At Change	8.51%
Index	5-Year CMT
Max Rate	16.5%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 16, 2021
Property Address	19939 ELM LN, BEND, OR 97703-9047
Document Number	0000047732
Instrument Date	Aug 6, 2021
Instrument	2021-47732
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

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	Right of Survivorship
Address	19939 ELM LN, BEND, OR 97703-9047

Mortgage

Document Number	0000047733
Date	Aug 16, 2021
Instrument	2021-47733

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 25, 2019
Property Address	19939 ELM LN, BEND, OR 97703-9047
Document Number	0000021690
Instrument Date	Jun 19, 2019
Instrument	21690
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Tax	$418.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3098 NW COLONIAL DR BEND OR 977035447, BEND, OR 97703-5447

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	Redmond School District 2J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,090.00 (+4.58%)	$260,750 (+3%)	$900,210 (-1.56%) Land $357,960 Building $542,250
2024	$3,911.00 (+5.79%)	$253,160 (+3%)	$914,460 (+17.63%) Land $372,210 Building $542,250
2023	$3,697.00 (+5.45%)	$245,790 (+6.09%)	$777,400 (+48.41%) Land $317,870 Building $459,530
2022	$3,506.00	$231,690	$523,820 Land $256,730 Building $267,090

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% of Oregon
Wildfire Likelihood	0.07% 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	LAIDLAW WATER DISTRICT serves 740 people · EPA ID OR4101096
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	5 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 96 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Elm Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures