2281 NW High Lakes Loop, Bend, OR 97703 Property Records

Deschutes County property record for 2281 NW High Lakes Loop, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,214 sqft · built 2008
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$869,900 (May 2021)
Tax Bill	$7,407 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171136-DB-07000`

Property Details

APN / Parcel Number

Primary APN	`171136-DB-07000`
Alternative APN	`259626`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,214 sqft Living Area
Gross Area	2,789 sqft
1st Floor Area	1,321 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Bi-Level
Lot Area	5,663 sqft (0.13 acres)
Garage Area	575 sqft
Deck Area	150 sqft

Location & Zoning

Account Number	259626
Street Address	2281 NW HIGH LAKES LOOP
City	BEND
State	OR
Zip	97703-6973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	NORTHWEST CROSSING PHASE 12 LOT 570
Legal Range	11
Legal Township	17
Legal Section	36
Legal Subdivision	NORTHWEST CROSSING PHASE 12
Legal Lot Number	570
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1056
Census Tract	1302

Owner

Source: Deschutes County assessment roll, as of November 5, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	2281 NW HIGH LAKES LOOP, BEND, OR 97703-6973
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Apr 30, 2019	Deed of Trust, Mortgage · ARM UMPQUA BANK
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	May 26, 2009
Deed Document Number	202127471
Prior Transfer Date	Jul 23, 2012
Prior Transfer Doc	0000029184
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	2281 NW HIGH LAKES LOOP, BEND, OR 97703-6973
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026342
Date	Jun 8, 2020
Instrument	2020-26342

Lender

Name	UMPQUA BANK
Type	Bank
Address	BEND, OR 97702

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	2281 NW HIGH LAKES LOOP, BEND, OR 97703-6973
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013665
Date	Apr 30, 2019
Instrument	2019-13665

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 3, 2021
Property Address	2281 NW HIGH LAKES LOOP, BEND, OR 97703-6973
Document Number	0000027471
Map Reference	CAB H PG 456
Instrument Date	Apr 30, 2021
Instrument	2021-27471
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	AMERITITLE

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
Relationship	Community Property with Right of Survivorship
Address	216 C ST, SAN RAFAEL, CA 94901-4917

Mortgage

Document Number	0000027472
Date	May 3, 2021
Instrument	2021-27472

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of November 5, 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	$7,407.00 (+3.93%)	$438,420 (+3%)	$1,302,000 (+0.49%) Land $394,300 Building $907,700
2024	$7,127.00 (+7.89%)	$425,660 (+3%)	$1,295,640 (+3.56%) Land $394,300 Building $901,340
2023	$6,606.00	$413,270	$1,251,120 Land $418,000 Building $833,120

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	Low lower than 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BEND serves 77,704 people · EPA ID OR4100100
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 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 Company Fixed Wireless	700 / 200
Lumen Technologies DSL	140 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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