21165 Wilderness Way, Bend, OR 97702 Property Records

Deschutes County property record for 21165 Wilderness Way, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1989
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$423,000 (Oct 2018)
Tax Bill	$4,771 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181210 DA 02500`

Property Details

APN / Parcel Number

Primary APN	`181210 DA 02500`
Alternative APNs	`R1088181210DA02500` `174780`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	542 sqft
Deck Area	76 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	174780
Old Parcel Number	R1088181210DA02500
Street Address	21165 WILDERNESS WAY
City	BEND
State	OR
Zip	97702-1781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:3 BLK:2 SUBD:PONDEROSA ESTATES SEC/TWN/RNG/MER:SEC 10 TWN 18 RNG 12 MAP REF:181210-DA
Legal Range	12E
Legal Township	18S
Legal Section	10
Legal Quarter	SE
Quarter-Quarter Section	NE
Legal Subdivision	PONDEROSA ESTATES
Legal Block	2
Legal Lot Number	3
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1010
Census Tract	1904

Owner

21165 Wilderness Way is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	21165 WILDERNESS WAY, BEND, OR 97702-1781
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
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CREDIT UNION
Oct 19, 2018	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Jun 1, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2018 · Amount on File
Deed Sale	Oct 19, 2018 · Amount on File
Prior Sale	Jun 1, 2018
Deed Document Number	2018-42304
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Jul 21, 2026
Property Address	21165 WILDERNESS WAY, BEND, OR 97702-1781
Document Number	0000021628
Instrument Date	Jul 15, 2026
Instrument	202621628
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship, 164
Address	21165 WILDERNESS WAY, BEND, OR 97702-1781

Mortgage

Document Number	0000021628,
Date	Jul 21, 2026
Instrument	202621628

Lender

Name	ONPOINT COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 19, 2018
Property Address	21165 WILDERNESS WAY, BEND, OR 97702-1781
Document Number	0000042304
Instrument Date	Oct 15, 2018
Instrument	2018-42304
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	21165 WILDERNESS WAY, BEND, OR 97702-1781

Mortgage

Document Number	0000042305
Date	Oct 19, 2018
Instrument	2018-42305

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 1, 2018
Property Address	21165 WILDERNESS WAY, BEND, OR 97702-1781
Document Number	0000022371
Instrument Date	Jun 1, 2018
Instrument	22371
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21925 BEAR CREEK RD BEND OR 977011591, BEND, OR 97701-1591

Tax Assessment & Valuation

The 2025 property tax bill for 21165 Wilderness Way was $4,771, up 3.9% from the year before.

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	$4,771.00 (+3.94%)	$282,390 (+3%)	$701,520 (-) Land $290,530 Building $410,990
2024	$4,590.00 (+7.87%)	$274,170 (+3%)	$701,520 (-) Land $290,530 Building $410,990
2023	$4,255.00	$266,190	$701,520 Land $290,530 Building $410,990

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21165 Wilderness Way 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

Wildfire risk around 21165 Wilderness Way is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 88% of Oregon
Wildfire Likelihood	0.04% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 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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