3190 NW Celilo Ln, Bend, OR 97703 Property Records

Deschutes County property record for 3190 NW Celilo Ln, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	2,952 sqft · built 2022
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,870,000 (Jan 2023)
Tax Bill	$10,363 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171135-AD-09600`

Property Details

APN / Parcel Number

Primary APN	`171135-AD-09600`
Alternative APN	`283960`

Interior

Stories	2 Stories
Building Area	2,952 sqft
Gross Area	485 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Account Number	283960
State	OR
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISCOVERY WEST PHASE 3 LOT 125
Legal Subdivision	DISCOVERY WEST PHASE 3
Legal Lot Number	125
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3016
Census Tract	1302

Owner

Source: Deschutes County records, as of May 20, 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	3190 NW CELILO LN, BEND, OR 97703-2350
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY FINANCIAL CORP
Jan 12, 2023	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2023 · Amount on Record
Deed Sale	Jan 12, 2023 · Amount on Record
Prior Sale	Aug 31, 2022 · Amount on Record
Deed Document Number	2023746
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	3190 NW CELILO LN, BEND, OR 97703-2350
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015579
Date	Apr 14, 2022
Instrument	2022-15579

Lender

Name	COMMUNITY FINANCIAL CORP
Type	Mortgage Company
Address	LAKE OSWEGO, OR 97034

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jan 12, 2023
Property Address	3190 NW CELILO LN, BEND, OR 97703-2350
Document Number	0000000746
Map Reference	CAB 2021 PG 43415
Instrument Date	Jan 10, 2023
Instrument	2023-00746
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	AMERITITLE

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
Relationship	Tenants by the Entirety
Address	3190 NW CELILO LN, BEND, OR 97703-2350

Mortgage

Document Number	0000000747
Date	Jan 12, 2023
Instrument	2023-00747

Lender

Name	WASHINGTON TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	12-Month MTA
Max Rate	11%

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	$10,363.00 (+3.93%)	$613,380 (+3%)	$1,771,440 (-4.74%) Land $390,800 Building $1,380,640
2024	$9,971.00 (+7.88%)	$595,520 (+3%)	$1,859,520 (+12.37%) Land $390,800 Building $1,468,720
2023	$9,243.00	$578,180	$1,654,750 Land $414,500 Building $1,240,250

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 · 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

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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