2306 NW High Lakes Loop, Bend, OR 97703 Property Records

Deschutes County property record for 2306 NW High Lakes Loop, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,634 sqft · built 2008
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,600,000 (Jun 2024)
Tax Bill	$10,222 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`171136-DB-08700`

Property Details

APN / Parcel Number

Primary APN	`171136-DB-08700`
Alternative APN	`259643`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,634 sqft Living Area
Gross Area	4,388 sqft
1st Floor Area	2,204 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	9,148 sqft (0.21 acres)
Garage Area	754 sqft
Deck Area	550 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	259643
Street Address	2306 NW HIGH LAKES LOOP
City	BEND
State	OR
Zip	97703-7056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	NORTHWEST CROSSING PHASE 12 LOT 587
Legal Range	11
Legal Township	17
Legal Section	36
Legal Subdivision	NORTHWEST CROSSING PHASE 12
Legal Lot Number	587
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1040
Census Tract	1302

Owner

Source: Deschutes County records, as of June 22, 2026

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 Record
Mailing Address	2306 NW HIGH LAKES LOOP, BEND, OR 97703-7056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE, INC
Jun 5, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Aug 2, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 24, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 2, 2017	Warranty Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024 · Amount on Record
Deed Sale	Jun 28, 2024 · Amount on Record
Prior Sale	Jun 2, 2017 · Amount on Record
Deed Document Number	202416622
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Jun 8, 2026
Property Address	2306 NW HIGH LAKES LOOP, BEND, OR 97703-7056
Document Number	0000016960
Instrument Date	Jun 1, 2026
Instrument	202616960
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298

Mortgage

Document Number	0000016960,
Date	Jun 8, 2026
Instrument	202616960

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	2306 NW HIGH LAKES LOOP, BEND, OR 97703-7056
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021530
Date	Jun 5, 2017
Instrument	2017-21530

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	2306 NW HIGH LAKES LOOP, BEND, OR 97703-7056
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027599
Date	Aug 2, 2019
Instrument	2019-27599

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 24, 2018
Property Address	2306 NW HIGH LAKES LOOP, BEND, OR 97703-7056
Document Number	0000016348
Instrument Date	Apr 9, 2018
Instrument	16348
Transaction Type	Transfer
Record Updated	May 4, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2306 NW HIGH LAKES LOOP BEND OR 977037056, BEND, OR 97703-7056

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 2, 2017
Property Address	2306 NW HIGH LAKES LOOP, BEND, OR 97703-7056
Document Number	0000021247
Instrument Date	Jun 2, 2017
Instrument	2017-21247
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	WESTERN TITLE & ESCROW

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
Address	2306 NW HIGH LAKES LOOP, BEND, OR 97703-7056
Mail Care Of	DAVID DOW CUMMINGS

Mortgage

Document Number	0000021248
Date	Jun 2, 2017
Instrument	2017-21248

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

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	$10,222.00 (+3.95%)	$605,000 (+3%)	$2,176,000 (+1.71%) Land $509,700 Building $1,666,300
2024	$9,834.00 (+7.88%)	$587,380 (+3%)	$2,139,380 (+3.93%) Land $509,700 Building $1,629,680
2023	$9,116.00	$570,280	$2,058,560 Land $541,000 Building $1,517,560

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 Fixed Wireless	700 / 200
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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