404 SE Railroad St, Bend, OR 97702 Property Records

Deschutes County property record for 404 SE Railroad St, Bend, OR 97702

Property Summary

Property Type	Quadplex
Details	4 bd · 4 ba · 2,392 sqft · built 1971
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$536,000 (Sep 2021)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Nov 2023 Transfer Nov 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181204-BB-07301`

Property Details

APN / Parcel Number

Primary APN	`181204-BB-07301`
Alternative APNs	`R1001181204BB07301` `106203`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	4 Units
Stories	2 Stories
Building Area	2,392 sqft Living Area
1st Floor Area	1,196 sqft
2nd Floor Area	1,196 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Quadruplex
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	7,841 sqft (0.18 acres)

Exterior Amenities

Deck Area	160 sqft
Shed	1 Shed
Shed Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	106203
Street Address	404 SE RAILROAD ST
City	BEND
State	OR
Zip	97702-1372
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Local Zoning Code	RM
Legal Description	THIRD ADDITION TO BEND PARK BLOCK 185 LOT 12
Legal Range	12
Legal Township	18
Legal Section	04
Legal Subdivision	THIRD ADDITION TO BEND PARK
Legal Block	185
Legal Lot Number	12
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1005
Census Tract	1501

Owner

404 SE Railroad St, a quadplex, is owned by an individual who acquired it in April 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	64425 OLD BEND REDMOND HWY, BEND, OR 97703-8440
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Intrafamily Transfer, Transfer
Nov 21, 2023	Intrafamily Transfer, Transfer
Sep 15, 2021	Warranty Deed, Transfer NOT AVAILABLE, WESTERN TITLE & ESCROW
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage WILLIAM O II & JUDY M BROWNSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021 · Amount on File
Deed Sale	Sep 15, 2021 · Amount on File
Prior Sale	Jun 26, 2020 · Amount on File
Deed Document Number	202153020
Last Transfer Date	Apr 24, 2025
Transfer Doc	0000010452
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Nov 21, 2023
Property Address	404 SE RAILROAD ST, BEND, OR 97702-1372
Document Number	0000029040
Instrument Date	Nov 21, 2023
Instrument	2023-29040
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 SE RAILROAD ST APT 2, 2, BEND, OR 97702-1372
Mail Care Of	DAVID COWAN

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Nov 21, 2023
Property Address	404 SE RAILROAD ST, BEND, OR 97702-1372
Document Number	0000029042
Instrument Date	Nov 21, 2023
Instrument	2023-29042
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 SE RAILROAD ST APT 2, 2, BEND, OR 97702-1372

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Sep 15, 2021
Property Address	404 SE RAILROAD ST, BEND, OR 97702-1372
Document Number	0000053020
Map Reference	CAB A PG 208
Instrument Date	Sep 15, 2021
Instrument	2021-53020
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

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
Relationship	Living Trust
Address	21070 BAYOU DR, BEND, OR 97702-2468

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 26, 2020
Property Address	404 SE RAILROAD ST, BEND, OR 97702-1372
Document Number	0000030280
Instrument Date	Jun 25, 2020
Instrument	30280
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	AMERITITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$418.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	730 SW 11TH ST REDMOND OR 977562648, REDMOND, OR 97756-2648

Mortgage

Document Number	30281
Date	Jun 26, 2020
Instrument	30281

Lender

Name	WILLIAM O II & JUDY M BROWNSON
Address	10035 W ROYAL OAK RD # 1004, SUN CITY, AZ 85351-3149
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 25, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 404 SE Railroad St was $3,393, up 4% 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	$3,393.00 (+3.95%)	$200,830 (+3%)	$749,690 (+1.56%) Land $273,240 Building $476,450
2024	$3,264.00 (-1.48%)	$194,990 (-5.92%)	$738,150 (+22.78%) Land $251,980 Building $486,170
2023	$3,313.00	$207,260	$601,220 Land $280,820 Building $320,400

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 404 SE Railroad St in Zone X, an area of minimal flood risk.

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

The area around 404 SE Railroad St has no burnable land within ember reach, so its wildfire risk is not rated.

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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