22185 Bear Creek Rd, Bend, OR 97701 Property Records

Deschutes County property record for 22185 Bear Creek Rd, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,253 sqft · built 1999
Lot Size	3.51 acres (152,896 sqft)
Owner	2 Individual Names on File
Last Sale	$805,000 (Sep 2020)
Tax Bill	$6,909 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Sep 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R10031813060000900`

Property Details

APN / Parcel Number

Primary APN	`R10031813060000900`
Alternative APNs	`181306 00 00900` `112438`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,253 sqft Living Area
1st Floor Area	2,025 sqft
2nd Floor Area	1,228 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Split Level
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	152,896 sqft (3.51 acres)
Garage Type	Mixed
Garage Area	784 sqft
Carport	Carport
Carport Area	392 sqft
Deck Area	834 sqft

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	112438
Old Parcel Number	R10031813060000900
Street Address	22185 BEAR CREEK RD
City	BEND
State	OR
Zip	97701-9604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWN/RNG/MER:SEC 06 TWN 18 RNG 13 MAP REF:181306-00
Legal Range	13E
Legal Township	18S
Legal Section	06
Legal Lot Number	5
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1019
Census Tract	1901

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

22185 Bear Creek Rd is owned by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	625 PRICE DR, MORGAN HILL, CA 95037-4757
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
Mar 30, 2017	Deed of Trust, Mortgage · Line of Credit SELCO COMMUNITY CU
Sep 3, 2020	Correction Deed, Transfer WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FNDG
Aug 26, 2020	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2020 · Amount on File
Deed Sale	Sep 3, 2020 · Amount on File
Prior Sale	Aug 26, 2020 · Amount on File
Deed Document Number	2020-45046
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	22185 BEAR CREEK RD, BEND, OR 97701-9604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012107
Date	Mar 30, 2017
Instrument	2017-12107

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	DESCHUTES OR
Recording Date	Sep 3, 2020
Property Address	22185 BEAR CREEK RD, BEND, OR 97701-9604
Document Number	0000045046
Instrument Date	Sep 3, 2020
Instrument	45046
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Tax	$805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	625 PRICE DR MORGAN HILL CA 950374757, MORGAN HILL, CA 95037-4757

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	22185 BEAR CREEK RD, BEND, OR 97701-9604
Document Number	0000045047
Instrument Date	Aug 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 PRICE DR MORGAN HILL CA 950374757, MORGAN HILL, CA 95037-4757

Mortgage

Document Number	0000045047
Date	Sep 3, 2020
Instrument	45047

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 26, 2020
Property Address	22185 BEAR CREEK RD, BEND, OR 97701-9604
Document Number	0000043135
Instrument Date	Aug 24, 2020
Instrument	2020-43135
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	625 PRICE DR, MORGAN HILL, CA 95037-4757

Mortgage

Document Number	0000043136
Date	Aug 26, 2020
Instrument	2020-43136

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 22185 Bear Creek Rd was $6,909, up 4.5% from the year before.

Source: Deschutes County assessment roll, as of September 30, 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	$6,909.00 (+4.52%)	$461,280 (+3%)	$1,023,290 (-) Land $220,350 Building $802,940
2024	$6,610.00 (+6.25%)	$447,850 (+3%)	$1,023,290 (-15.13%) Land $220,350 Building $802,940
2023	$6,221.00	$434,810	$1,205,670 Land $226,470 Building $979,200

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

Flood

FEMA maps place 22185 Bear Creek Rd 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 22185 Bear Creek Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 74% 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 6 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
Wind Wireless Fixed Wireless	10 / 1

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

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