321 NW Riverfront St, Bend, OR 97703 Property Records

Deschutes County property record for 321 NW Riverfront St, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 754 sqft · built 1918
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,823 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`171231 DD 10500`

Property Details

APN / Parcel Number

Primary APN	`171231 DD 10500`
Alternative APNs	`R1001171232CC16400` `104194`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	754 sqft Living Area
1st Floor Area	1,816 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Architectural Style	Other
Lot Area	6,970 sqft (0.16 acres)
View / Lot	Good
Deck Area	90 sqft

Location & Zoning

Account Number	104194
Old Parcel Number	R1001171232CC16400
Street Address	321 NW RIVERFRONT ST
City	BEND
State	OR
Zip	97703-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:4 BLK:9 SUBD:MILL ADDITION TO BEND SEC/TWN/RNG/MER:SEC 31 TWN 17 RNG 12 MAP REF:171231-DD
Legal Range	12E
Legal Township	17S
Legal Section	31
Legal Quarter	SE
Quarter-Quarter Section	SE
Legal Subdivision	MILL ADDITION TO BEND
Legal Block	9
Legal Lot Number	4
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1010
Census Tract	1502

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	440 NW COLUMBIA ST, BEND, OR 97703-3008
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Jul 11, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Jul 6, 2020	Loan Modification, Mortgage FIRST INTERSTATE BK
Jan 24, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2018
Deed Sale	Jan 24, 2018
Prior Sale	Jan 8, 2013
Deed Document Number	2018-002932
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	321 NW RIVERFRONT ST, BEND, OR 97703-2530
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023989
Date	Jul 11, 2019
Instrument	2019-23989

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BEND, OR 97703

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 8, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	321 NW RIVERFRONT ST, BEND, OR 97703-2530
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023988
Date	Jul 11, 2019
Instrument	2019-23988

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BEND, OR 97703

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 8, 2026

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DESCHUTES OR
Property Address	321 NW RIVERFRONT ST, BEND, OR 97703-2530
Document Number	0000033965
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	WESTERN TITLE INSURANCE COMPANY, WESTERN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 RIVERFRONT ST BEND OR 97701, BEND, OR 97701

Mortgage

Document Number	0000033965
Date	Jul 15, 2020
Instrument	33965

Lender

Name	FIRST INTERSTATE BK
Type	Bank
Address	BEND, OR 97703

Agreement

Term	12 Months
Due	Jul 14, 2021

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jan 24, 2018
Property Address	321 NW RIVERFRONT ST, BEND, OR 97703-2530
Document Number	0000002932
Instrument Date	Jan 19, 2018
Instrument	2932
Transaction Type	Transfer
Record Updated	Feb 1, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	440 NW COLUMBIA ST BEND OR 977033008, BEND, OR 97703-3008

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 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	$4,823.00 (-20.06%)	$285,470 (-20.77%)	$1,563,110 (-18.86%) Land $1,319,570 Building $243,540
2024	$6,033.00 (+7.89%)	$360,320 (+3%)	$1,926,430 (-1.63%) Land $1,319,570 Building $606,860
2023	$5,592.00	$349,830	$1,958,360 Land $1,319,570 Building $638,790

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

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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	Not rated no burnable land within 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 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vero Fiber Fiber	10,000 / 10,000
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
Webformix Fixed Wireless	200 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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