423 NE Emerson Ave, Bend, OR 97701 Property Records

Deschutes County property record for 423 NE Emerson Ave, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 756 sqft · built 1935
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Aug 2023)
Tax Bill	$2,439 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`171233-CC-00200`

Property Details

APN / Parcel Number

Primary APN	`171233-CC-00200`
Alternative APNs	`R1001171233CC00200` `105592`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	756 sqft Living Area
1st Floor Area	756 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1971
Exterior Material	Other
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Deck Area	54 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	105592
Street Address	423 NE EMERSON AVE
City	BEND
State	OR
Zip	97701-4940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Description	KEYSTONE TERRACE BLOCK 3 LOT 3
Legal Range	12
Legal Township	17
Legal Section	33
Legal Subdivision	KEYSTONE TERRACE
Legal Block	3
Legal Lot Number	3
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2072
Census Tract	1502

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	19930 ALDERWOOD CIR, BEND, OR 97702-2060
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Oct 25, 2023	Deed of Trust, Mortgage GOLDBERG LLC
Aug 29, 2023	Warranty Deed, Transfer FIRST AMERICAN
Oct 15, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Deed Document Number	202321502
Prior Transfer Date	Dec 25, 2017
Prior Transfer Doc	0000051257
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	423 NE EMERSON AVE, BEND, OR 97701-4940
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19930 ALDERWOOD CIR, BEND, OR 97702-2060

Mortgage

Document Number	0000006253
Date	Mar 6, 2026
Instrument	2026-06253

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	423 NE EMERSON AVE, BEND, OR 97701-4940
Transaction Type	Mortgage
Record Updated	Nov 2, 2023
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026595
Date	Oct 25, 2023
Instrument	2023-26595

Lender

Name	GOLDBERG LLC
Type	Non-Lending Institution
Address	BEND, OR 97702

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Oct 25, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 29, 2023
Property Address	423 NE EMERSON AVE, BEND, OR 97701-4940
Document Number	0000021502
Instrument Date	Aug 28, 2023
Instrument	2023-21502
Transaction Type	Transfer
Record Updated	Sep 6, 2023
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
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	423 NE EMERSON AVE, BEND, OR 97701-4940

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	423 NE EMERSON AVE, BEND, OR 97701-4940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041447
Date	Oct 15, 2018
Instrument	2018-41447

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Sep 22, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 26, 2017
Property Address	423 NE EMERSON AVE, BEND, OR 97701-4940
Document Number	0000051257
Instrument Date	Dec 20, 2017
Instrument	51257
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,439.00 (+3.92%)	$144,400 (+3%)	$433,060 (+1.26%) Land $248,050 Building $185,010
2024	$2,347.00 (+7.86%)	$140,200 (+3%)	$427,670 (-) Land $248,050 Building $179,620
2023	$2,176.00 (+3.97%)	$136,120 (+6.08%)	$427,670 (+16.41%) Land $248,050 Building $179,620
2022	$2,093.00	$128,320	$367,390 Land $209,720 Building $157,670

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	1 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 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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