22195 Bear Creek Rd, Bend, OR 97701 Property Records

Deschutes County property record for 22195 Bear Creek Rd, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 1,551 sqft · built 1999
Lot Size	15.4 acres (671,260 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Oct 2019)
Tax Bill	$6,722 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R10031813060001200`

Property Details

APN / Parcel Number

Primary APN	`R10031813060001200`
Alternative APNs	`181306 00 01200` `112453`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	1,551 sqft Living Area
1st Floor Area	2,901 sqft
Attic Area	830 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 1999
Architectural Style	Other
Lot Area	671,260 sqft (15.4 acres)
Garage Type	Mixed
Garage Area	1,551 sqft

Exterior Amenities

Deck Area	330 sqft
Shed	1 Shed
Shed Area	96 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	112453
Old Parcel Number	R10031813060001200
Street Address	22195 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 Subdivision	PARTITION 2002-68
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

22195 Bear Creek Rd is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	22195 BEAR CREEK RD, BEND, OR 97701-9604
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
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 22, 2019	Deed of Trust, Mortgage · Line of Credit HOMETRUST BK
Oct 25, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Dec 18, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 25, 2019 · Amount on File
Deed Sale	Oct 25, 2019 · Amount on File
Prior Sale	May 13, 2009
Deed Document Number	2019-41209
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	22195 BEAR CREEK RD, BEND, OR 97701-9604
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	FIDELITY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055861
Date	Sep 30, 2021
Instrument	2021-55861

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	48431

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	22195 BEAR CREEK RD, BEND, OR 97701-9604
Document Number	0000041211
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	23585 HIGHWAY 20 BEND OR 977019368, BEND, OR 97701-9368

Mortgage

Document Number	0000041211
Date	Oct 25, 2019
Instrument	41211

Lender

Name	HOMETRUST BK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 25, 2019
Property Address	22195 BEAR CREEK RD, BEND, OR 97701-9604
Document Number	0000041209
Instrument Date	Oct 21, 2019
Instrument	2019-41209
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 in Common
Address	22195 BEAR CREEK RD, BEND, OR 97701-9604

Mortgage

Document Number	0000041210
Date	Oct 25, 2019
Instrument	2019-41210

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Mortgage

Document Number	0000041211
Date	Oct 25, 2019
Instrument	2019-41211

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 18, 2017
Property Address	22195 BEAR CREEK RD, BEND, OR 97701-9604
Document Number	0000050150
Instrument Date	Dec 15, 2017
Instrument	50150
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	22165 BEAR CREEK RD BEND OR 977019604, BEND, OR 97701-9604

Tax Assessment & Valuation

The 2025 property tax bill for 22195 Bear Creek Rd was $6,722, 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	$6,722.00 (+4.49%)	$448,766 (+2.97%)	$1,209,360 (-) Land $412,780 Building $796,580
2024	$6,433.00 (+6.24%)	$435,816 (+2.97%)	$1,209,360 (-13.37%) Land $412,780 Building $796,580
2023	$6,055.00	$423,246	$1,395,970 Land $424,550 Building $971,420

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

Flood

FEMA maps place 22195 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 22195 Bear Creek Rd is moderate, ranking above 61% 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 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wind Wireless Fixed Wireless	10 / 1
CenturyLink DSL	10 / 1

May also be available: T-Mobile, Yellowknife Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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