322 SE 5th St, Bend, OR 97702 Property Records

Deschutes County property record for 322 SE 5th St, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft · built 1940
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$392,268 (Dec 2025)
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181204-BD-00402`

Property Details

APN / Parcel Number

Primary APN	`181204-BD-00402`
Alternative APNs	`R1001181204BD00402` `106329`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	624 sqft Living Area
1st Floor Area	624 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Carport
Garage Area	144 sqft
Carport	Carport
Carport Area	144 sqft
Deck Area	92 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	106329
Street Address	322 SE 5TH ST
City	BEND
State	OR
Zip	97702-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	BEND PARK BLOCK 66 LOT 2
Legal Range	12
Legal Township	18
Legal Section	04
Legal Subdivision	BEND PARK
Legal Block	66
Legal Lot Number	2
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1011
Census Tract	1501

Owner

Source: Deschutes County records, as of May 26, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	322 SE 5TH ST, BEND, OR 97702-1648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 26, 2018	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	Nov 26, 2018 · Amount on Record
Deed Document Number	202533854
Prior Transfer Date	Jul 26, 2010
Prior Transfer Doc	0000029714
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 9, 2025
Property Address	322 SE 5TH ST, BEND, OR 97702-1648
Document Number	0000033854
Instrument Date	Dec 1, 2025
Instrument	2025-33854
Transaction Type	Transfer
Record Updated	Dec 23, 2025
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	322 SE 5TH ST, BEND, OR 97702-1648

Mortgage

Document Number	0000033855
Date	Dec 9, 2025
Instrument	2025-33855

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	5.62%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	322 SE 5TH ST, BEND, OR 97702-1648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003611
Date	Jan 19, 2021
Instrument	2021-03611

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	322 SE 5TH ST, BEND, OR 97702-1648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044932
Date	Nov 18, 2019
Instrument	2019-44932

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 26, 2018
Property Address	322 SE 5TH ST, BEND, OR 97702-1648
Document Number	0000046758
Instrument Date	Nov 21, 2018
Instrument	2018-46758
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	322 SE 5TH ST, BEND, OR 97702-1648

Mortgage

Document Number	0000046759
Date	Nov 26, 2018
Instrument	2018-46759

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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	$1,644.00 (+3.98%)	$97,310 (+3%)	$257,950 (+3.72%) Land $146,330 Building $111,620
2024	$1,581.00 (+7.84%)	$94,480 (+3%)	$248,700 (-3.33%) Land $134,800 Building $113,900
2023	$1,466.00	$91,730	$257,270 Land $134,800 Building $122,470

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

Provider	Max Down / Up (Mbps)
Vero Fiber Fiber	2,300 / 2,300
TDS Telecom Cable	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon, Webformix.

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