21856 Obsidian Ave, Bend, OR 97702 Property Records

Deschutes County property record for 21856 Obsidian Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,192 sqft · built 1979
Lot Size	2.08 acres (90,605 sqft)
Owner	Individual Name on File
Last Sale	$820,000 (Sep 2023)
Tax Bill	$7,301 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181201-D0-01300`

Property Details

APN / Parcel Number

Primary APN	`181201-D0-01300`
Alternative APNs	`R1003181201D001300` `111962`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,192 sqft Living Area
Gross Area	3,832 sqft
1st Floor Area	2,132 sqft
Attic	Attic
Attic Area	576 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Bi-Level
Roof Type	Gable
Lot Area	90,605 sqft (2.08 acres)
Garage Area	640 sqft
Patio Area	832 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	111962
Street Address	21856 OBSIDIAN AVE
City	BEND
State	OR
Zip	97702-9057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUA10
Legal Description	REPLAT OF SOMERSET PHASE ONE LOT 1
Legal Range	12
Legal Township	18
Legal Section	01
Legal Subdivision	REPLAT OF SOMERSET PHASE ONE
Legal Lot Number	1
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1017
Census Tract	1901

Owner

Source: Deschutes County assessment roll, APN 181201-D0-01300, as of November 5, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Apr 04, 2025	Deed of Trust, Mortgage · Conventional Mortgage SAGE HOME LOANS CORP
Sep 26, 2023	Warranty Deed, Transfer · Conventional Mortgage FARMERS BANK & TRUST
Nov 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Prior Sale	Jul 29, 2014 · Amount on Record
Deed Document Number	202323898
Prior Transfer Date	Nov 09, 2020
Prior Transfer Doc	0000061602
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	May 11, 2026
Property Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057
Document Number	0000014000
Instrument Date	Feb 11, 2026
Instrument	202614000
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057

Mortgage

Document Number	0000014000,
Date	May 11, 2026
Instrument	202614000

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.06%
Initial Type	Fixed Rate
Max Rate	-1%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057

Mortgage

Document Number	0000008298
Date	Apr 04, 2025
Instrument	2025-08298

Lender

Name	SAGE HOME LOANS CORP
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Sep 26, 2023
Property Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057
Document Number	0000023898
Instrument Date	Sep 22, 2023
Instrument	2023-23898
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	21856 OBSIDIAN AVE, BEND, OR 97702-9057

Mortgage

Document Number	0000023899
Date	Sep 26, 2023
Instrument	2023-23899

Lender

Name	FARMERS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Nov 16, 2020
Property Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057
Document Number	0000061602
Map Reference	CAB E PG 334
Instrument Date	Nov 09, 2020
Instrument	2020-61602
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21856 OBSIDIAN AVE, BEND, OR 97702-9057

Mortgage

Document Number	0000061603
Date	Nov 16, 2020
Instrument	2020-61603

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Deschutes County assessment roll as of November 5, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
Unified School District	Bend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,301.00 (+4.52%)	$487,450 (+3%)	$1,266,390 (+5.01%) Land $474,890 Building $791,500
2024	$6,985.00 (+6.27%)	$473,260 (+3%)	$1,205,990 (-) Land $437,540 Building $768,450
2023	$6,573.00 (+5.18%)	$459,480 (+6.09%)	$1,205,990 (+37.57%) Land $437,540 Building $768,450
2022	$6,249.00	$433,110	$876,630 Land $328,400 Building $548,230

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Deschutes County (41017C), as of December 11, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 80% of Oregon
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Central Oregon Canal Historic District (Ward Road-Gosney Road Segment) listed 2019 · 29 contributing resources · NRIS 100003461

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, 53 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Yellowknife Wireless Company Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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