438 SE Douglas St, Bend, OR 97702 Property Records

Deschutes County property record for 438 SE Douglas St, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,050 sqft · built 1977
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Sep 2019)
Tax Bill	$2,454 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`181204-BD-01902`

Property Details

APN / Parcel Number

Primary APN	`181204-BD-01902`
Alternative APNs	`R1001181204BD01902` `106358`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,050 sqft Living Area
Gross Area	1,358 sqft
1st Floor Area	1,050 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Other
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Area	308 sqft
Deck Area	210 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	106358
Street Address	438 SE DOUGLAS ST
City	BEND
State	OR
Zip	97702-1634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	BEND PARK BLOCK 84 LOT 6
Legal Range	12
Legal Township	18
Legal Section	04
Legal Subdivision	BEND PARK
Legal Block	84
Legal Lot Number	6
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1030
Census Tract	1501

Owner

438 SE Douglas St is owned and occupied by an individual who bought it in September 2019.

Source: Deschutes County records, as of November 5, 2025

Owner of Record	Individual Name on File
Mailing Address	438 SE DOUGLAS ST, BEND, OR 97702-1634
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Aug 14, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage ARBOR MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2019 · Amount on File
Deed Sale	Sep 30, 2019 · Amount on File
Prior Sale	Aug 28, 2015 · Amount on File
Deed Document Number	201936741
Prior Transfer Date	Jul 20, 2004
Prior Transfer Doc	0000066662
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	438 SE DOUGLAS ST, BEND, OR 97702-1634
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SE DOUGLAS ST, BEND, OR 97702-1634

Mortgage

Document Number	0000026634
Date	Sep 30, 2025
Instrument	2025-26634

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Aug 14, 2023
Property Address	438 SE DOUGLAS ST, BEND, OR 97702-1634
Document Number	0000019943
Map Reference	CAB A PG 11
Instrument Date	Aug 4, 2023
Instrument	2023-19943
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	AMERITITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SE DOUGLAS ST, BEND, OR 97702-1634

Mortgage

Document Number	0000019944
Date	Aug 14, 2023
Instrument	2023-19944

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	438 SE DOUGLAS ST, BEND, OR 97702-1634
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	LEX-FIDELITY NATL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001071
Date	Jan 10, 2017
Instrument	2017-01071

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	438 SE DOUGLAS ST, BEND, OR 97702-1634
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002439
Date	Jan 13, 2021
Instrument	2021-02439

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Sep 30, 2019
Property Address	438 SE DOUGLAS ST, BEND, OR 97702-1634
Document Number	0000036741
Instrument Date	Sep 26, 2019
Instrument	2019-36741
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	438 SE DOUGLAS ST, BEND, OR 97702-1634

Mortgage

Document Number	0000036742
Date	Sep 30, 2019
Instrument	2019-36742

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 438 SE Douglas St was $2,454, up 3.9% 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	$2,454.00 (+3.94%)	$145,260 (+3%)	$403,820 (+1.29%) Land $136,320 Building $267,500
2024	$2,361.00 (+7.86%)	$141,030 (+2.99%)	$398,660 (-4.9%) Land $125,700 Building $272,960
2023	$2,189.00 (+3.99%)	$136,930 (+6.08%)	$419,210 (+28.28%) Land $125,700 Building $293,510
2022	$2,105.00	$129,080	$326,790 Land $101,600 Building $225,190

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 438 SE Douglas 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 438 SE Douglas 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 282 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Vero Fiber, Webformix.

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