21278 Capella Pl, Bend, OR 97702 Property Records

Deschutes County property record for 21278 Capella Pl, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,008 sqft · built 2005
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$434,000 (Oct 2020)
Tax Bill	$3,485 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181202 CC 04400`

Property Details

APN / Parcel Number

Primary APN	`181202 CC 04400`
Alternative APN	`244985`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,008 sqft Living Area
1st Floor Area	1,060 sqft
2nd Floor Area	948 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Split Level
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Mixed
Garage Area	501 sqft

Location & Zoning

Account Number	244985
Street Address	21278 CAPELLA PL
City	BEND
State	OR
Zip	97702-1686
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT:32 SUBD:WESTBROOK VILLAGE PHASE 1 SEC/TWN/RNG/MER:SEC 02 TWN 18 RNG 12 MAP REF:181202-CC
Legal Range	12E
Legal Township	18S
Legal Section	02
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	WESTBROOK VILLAGE PHASE 1
Legal Lot Number	32
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1010
Census Tract	1903

Owner

21278 Capella Pl is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	21278 CAPELLA PL, BEND, OR 97702-1686
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
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 23, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE CASCADES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	Jul 5, 2018 · Amount on File
Deed Document Number	2020-54890
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	21278 CAPELLA PL, BEND, OR 97702-1686
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008358
Date	Feb 26, 2020
Instrument	2020-08358

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 16, 2020
Property Address	21278 CAPELLA PL, BEND, OR 97702-1686
Document Number	0000054890
Instrument Date	Oct 9, 2020
Instrument	2020-54890
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21278 CAPELLA PL, BEND, OR 97702-1686

Mortgage

Document Number	0000054891
Date	Oct 16, 2020
Instrument	2020-54891

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 5, 2018
Property Address	21278 CAPELLA PL, BEND, OR 97702-1686
Document Number	0000027525
Instrument Date	Jul 3, 2018
Instrument	2018-27525
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21278 CAPELLA PL, BEND, OR 97702-1686

Mortgage

Document Number	0000027526
Date	Jul 5, 2018
Instrument	2018-27526

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	21278 CAPELLA PL, BEND, OR 97702-1686
Document Number	0000021528
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21278 CAPELLA PL BEND OR 977021686, BEND, OR 97702-1686

Mortgage

Document Number	0000021528
Date	Jun 5, 2017
Instrument	21528

Lender

Name	BANK OF THE CASCADES
Type	Bank
Address	BEND, OR 97703

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 21278 Capella Pl was $3,485, 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	$3,485.00 (+3.94%)	$206,260 (+3%)	$605,450 (-3.76%) Land $216,500 Building $388,950
2024	$3,353.00 (+7.88%)	$200,260 (+3%)	$629,120 (-0.14%) Land $228,500 Building $400,620
2023	$3,108.00	$194,430	$630,000 Land $228,500 Building $401,500

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 21278 Capella Pl 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 21278 Capella Pl is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 86% of Oregon
Wildfire Likelihood	0.05% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20

May also be available: Webformix.

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