3095 NW Tharp Ave, Bend, OR 97703 Property Records

Deschutes County property record for 3095 NW Tharp Ave, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	2,180 sqft · built 2021
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$1,475,000 (Nov 2022)
Tax Bill	$8,573 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171135-AD-08500`

Property Details

APN / Parcel Number

Primary APN	`171135-AD-08500`
Alternative APN	`283949`

Interior

Stories	2 Stories
Building Area	2,180 sqft
Gross Area	614 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Account Number	283949
Street Address	3095 NW THARP AVE
City	BEND
State	OR
Zip	97703-2294
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISCOVERY WEST PHASE 3 LOT 109
Legal Subdivision	DISCOVERY WEST PHASE 3
Legal Lot Number	109
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3016
Census Tract	1302

Owner

3095 NW Tharp Ave is owned and occupied by two individuals who bought it in November 2022.

Source: Deschutes County records, as of May 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3095 NW THARP AVE, BEND, OR 97703-2294
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage EVOLVE BANK & TRUST
Aug 25, 2021	Warranty Deed, Transfer AMERITITLE
Aug 4, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2022 · Amount on File
Deed Sale	Nov 3, 2022 · Amount on File
Deed Document Number	202239701
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 3, 2022
Property Address	3095 NW THARP AVE, BEND, OR 97703-2294
Document Number	0000039701
Map Reference	CAB 2021 PG 43415
Instrument Date	Nov 1, 2022
Instrument	2022-39701
Transaction Type	Transfer
Record Updated	Nov 28, 2022
Title Company	AMERITITLE

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	3095 NW THARP AVE, BEND, OR 97703-2294

Mortgage

Document Number	0000039702
Date	Nov 3, 2022
Instrument	2022-39702

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	4.87%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 25, 2021
Property Address	3095 NW THARP AVE, BEND, OR 97703-2294
Document Number	0000049246
Map Reference	DOC 2021-43415
Instrument Date	Aug 23, 2021
Instrument	2021-49246
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	AMERITITLE

Transaction

Amount	Amount 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	2354 NW TORSWAY ST, BEND, OR 97703-8562

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 4, 2021
Property Address	3095 NW THARP AVE, BEND, OR 97703-2294
Document Number	0000045501
Instrument Date	Aug 3, 2021
Instrument	2021-45501
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 SW 13TH ST STE 200, 200, BEND, OR 97702-3262

Tax Assessment & Valuation

The 2025 property tax bill for 3095 NW Tharp Ave was $8,573, up 3.9% from the year before.

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	$8,573.00 (+3.94%)	$507,430 (+3%)	$1,434,130 (-5.14%) Land $390,800 Building $1,043,330
2024	$8,248.00 (+7.87%)	$492,660 (+3%)	$1,511,900 (+11.07%) Land $390,800 Building $1,121,100
2023	$7,646.00	$478,320	$1,361,210 Land $414,500 Building $946,710

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

FEMA maps place 3095 NW Tharp Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3095 NW Tharp Ave is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · lower than 68% of Oregon
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber · Cable	1,000 / 1,000
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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