435 NE Clay Ave, Bend, OR 97701 Property Records

Deschutes County property record for 435 NE Clay Ave, Bend, OR 97701

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 1,925 sqft · built 2003
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Apr 2026)
Tax Bill	$4,951 (2025)
Deeds & Mortgages	Apr 2026 Sale Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171233-CC-04000`

Property Details

APN / Parcel Number

Primary APN	`171233-CC-04000`
Alternative APNs	`R1001171233CC04000` `105632`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	2 Units
Stories	1 Story
Building Area	1,925 sqft Living Area
Gross Area	2,385 sqft
1st Floor Area	1,925 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Duplex Single
Lot Area	6,098 sqft (0.14 acres)
Garage Area	460 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	105632
Street Address	435 NE CLAY AVE
City	BEND
State	OR
Zip	97701-5173
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RH
Legal Description	KEYSTONE TERRACE BLOCK 9 LOT 4
Legal Range	12
Legal Township	17
Legal Section	33
Legal Subdivision	KEYSTONE TERRACE
Legal Block	9
Legal Lot Number	4
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2076
Census Tract	1502

Owner

Source: Deschutes County records, as of July 2, 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	435 NE CLAY AVE, BEND, OR 97701-5173
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Warranty Deed, Transfer DESCHUTES TITLE
Mar 31, 2026	Warranty Deed, Transfer · Conventional Mortgage LPMC LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Mar 31, 2026 · Amount on Record
Deed Document Number	20269568
Prior Transfer Date	Mar 30, 2026
Prior Transfer Doc	0000009568
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 1, 2026
Property Address	435 NE CLAY AVE, BEND, OR 97701-5173
Document Number	0000009568
Instrument Date	Mar 30, 2026
Instrument	20269568
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	DESCHUTES TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	435 NE CLAY AVE, BEND, OR 97701-5173

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 31, 2026
Property Address	435 NE CLAY AVE, BEND, OR 97701-5173
Document Number	0000009438
Map Reference	CAB A PG 227
Instrument Date	Mar 5, 2026
Instrument	2026-09438
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	DESCHUTES 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 NE CLAY AVE, BEND, OR 97701-5173

Mortgage

Document Number	0000009439
Date	Mar 31, 2026
Instrument	2026-09439

Lender

Name	LPMC LLC
Type	Mortgage Company

Agreement

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

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	$4,951.00 (+3.93%)	$293,070 (+3%)	$839,520 (+1.65%) Land $371,380 Building $468,140
2024	$4,764.00 (+7.88%)	$284,540 (+3%)	$825,880 (-) Land $371,380 Building $454,500
2023	$4,416.00	$276,260	$825,880 Land $371,380 Building $454,500

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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