19963 Covey Ln, Bend, OR 97702 Property Records

Deschutes County property record for 19963 Covey Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,208 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (Dec 2021)
Tax Bill	$5,016 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181207-DA-05500`

Property Details

APN / Parcel Number

Primary APN	`181207-DA-05500`
Alternative APNs	`R1001181207DA05500` `197974`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	2,940 sqft
1st Floor Area	1,282 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Area	732 sqft
Deck Area	172 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	197974
Street Address	19963 COVEY LN
City	BEND
State	OR
Zip	97702-2052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ELKHORN ESTATES PHASE 11 12 AND 13 LOT 135
Legal Range	12
Legal Township	18
Legal Section	07
Legal Subdivision	ELKHORN ESTATES PHASE 11 12 AND 13
Legal Lot Number	135
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1026
Census Tract	2103

Owner

19963 Covey Ln is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	19963 COVEY LN, BEND, OR 97702-2052
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 6, 2021	Warranty Deed, Transfer · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Mar 12, 2021	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	Aug 25, 2016 · Amount on File
Deed Document Number	202167287
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19963 COVEY LN, BEND, OR 97702-2052
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027092
Date	Oct 3, 2025
Instrument	2025-27092

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 6, 2021
Property Address	19963 COVEY LN, BEND, OR 97702-2052
Document Number	0000067287
Map Reference	CAB E PG 234
Instrument Date	Nov 30, 2021
Instrument	2021-67287
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

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
Address	19963 COVEY LN, BEND, OR 97702-2052
Investor	Possibly a Property Investor

Mortgage

Document Number	0000067288
Date	Dec 6, 2021
Instrument	2021-67288

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19963 COVEY LN, BEND, OR 97702-2052
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015810
Date	Mar 12, 2021
Instrument	2021-15810

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 19963 Covey Ln was $5,016, up 4% from the year before.

Source: Deschutes County assessment roll, as of November 5, 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	$5,016.00 (+3.96%)	$296,870 (+3%)	$820,370 (+2.38%) Land $229,270 Building $591,100
2024	$4,825.00 (+7.87%)	$288,230 (+3%)	$801,300 (-) Land $210,200 Building $591,100
2023	$4,473.00	$279,840	$801,300 Land $210,200 Building $591,100

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 19963 Covey Ln 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

The area around 19963 Covey Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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 246 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
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Webformix.

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