21975 Bear Creek Rd, Bend, OR 97701 Property Records

Deschutes County property record for 21975 Bear Creek Rd, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,540 sqft · built 1973
Lot Size	3.55 acres (154,638 sqft)
Owner	2 Individual Names on Record
Last Sale	$805,000 (Sep 2021)
Tax Bill	$4,310 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181201-A0-00100`

Property Details

APN / Parcel Number

Primary APN	`181201-A0-00100`
Alternative APNs	`R1003181201A000100` `109863`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,540 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	1,540 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	154,638 sqft (3.55 acres)
Garage Area	420 sqft

Exterior Amenities

Deck Area	Deck Area
Shed	1 Shed
Shed Area	240 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	109863
Street Address	21975 BEAR CREEK RD
City	BEND
State	OR
Zip	97701-1591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EFUTRB
Legal Description	SEC 1 - LOT 1 LY N OF C.O.I. CANAL & E OF LATERAL B EXCEPT: E 20 FT OF N 125 FT ALSO EXCEPT: ROAD
Legal Range	12
Legal Township	18
Legal Section	01
Legal Lot Number	1
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1019
Census Tract	1901

Owner

Source: Deschutes County records, as of November 5, 2025

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	21975 BEAR CREEK RD, BEND, OR 97701-1591
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Jul 29, 2020	Quit Claim Deed, Transfer LOAN SIMPLE INC
Oct 30, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Mar 25, 2016 · Amount on Record
Deed Document Number	202153415
Prior Transfer Date	Jul 24, 2020
Prior Transfer Doc	0000037048
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Sep 17, 2021
Property Address	21975 BEAR CREEK RD, BEND, OR 97701-1591
Document Number	0000053415
Instrument Date	Aug 13, 2021
Instrument	2021-53415
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

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	21975 BEAR CREEK RD, BEND, OR 97701-1591

Mortgage

Document Number	0000053416
Date	Sep 17, 2021
Instrument	2021-53416

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 29, 2020
Property Address	21975 BEAR CREEK RD, BEND, OR 97701-1591
Document Number	0000037048
Instrument Date	Jul 24, 2020
Instrument	37048
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21975 BEAR CREEK RD BEND OR 977011591, BEND, OR 97701-1591

Mortgage

Document Number	37049
Date	Jul 29, 2020
Instrument	37049

Lender

Name	LOAN SIMPLE INC
Type	Funding / Finance Company
Address	ENGLEWOOD, CO 80112

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 28, 2035

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 30, 2017
Property Address	21975 BEAR CREEK RD, BEND, OR 97701-1591
Document Number	0000043652
Instrument Date	Oct 9, 2017
Instrument	43652
Transaction Type	Transfer
Record Updated	Nov 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21975 BEAR CREEK RD BEND OR 977011591, BEND, OR 97701-1591

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	Bend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,310.00 (+4.54%)	$287,750 (+3%)	$692,210 (-) Land $426,070 Building $266,140
2024	$4,123.00 (+6.26%)	$279,370 (+3%)	$692,210 (-9.29%) Land $426,070 Building $266,140
2023	$3,880.00	$271,240	$763,120 Land $438,550 Building $324,570

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

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

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

Wildfire Risk	Moderate above 61% of the US · lower than 76% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	100 / 10
T-Mobile Fixed Wireless	25 / 3
Wind Wireless Fixed Wireless	10 / 1

May also be available: AT&T, TDS Telecom, Webformix.

Nearby Properties on Bear Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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