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446 NE Emerson Ave, Bend, OR 97701 Property Records

Deschutes County property record for 446 NE Emerson Ave, Bend, OR 97701

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,193 sqft · built 2002
Lot Size0.09 acres (3,920 sqft)
OwnerIndividual Name on File
Last Sale$420,000 (Aug 2024)
Tax Bill$4,538 (2025)
Deeds & MortgagesMar 2019 Mortgage
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN171233-CB-09700

Property Details

APN / Parcel Number

Primary APN171233-CB-09700
Alternative APNs
  • R1001171233CB09700
  • 105582

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,193 sqft Living Area
Gross Area1,553 sqft
1st Floor Area532 sqft
Utility RoomUtility Room

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleBi-Level
Lot Area3,920 sqft (0.09 acres)
Garage Area360 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected
Water SourceCommercial

Location & Zoning

Account Number105582
Street Address446 NE EMERSON AVE
CityBEND
StateOR
Zip97701-4939
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM
Legal DescriptionPP2002-76 LOT PARCEL 1
Legal Range12
Legal Township17
Legal Section33
Legal SubdivisionPP2002-76
Legal Block76
Legal Lot Number1
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group2
Census Block2000
Census Tract1502

Owner

446 NE Emerson Ave is owned by an individual who bought it in August 2024.

Source: Deschutes County records, as of May 21, 2026

Owner of RecordIndividual Name on File
Mailing Address450 NE EMERSON AVE, 1, BEND, OR 97701-4969
Owner TypeIndividual

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

DateDocument
Mar 7, 2019Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY
Aug 4, 2017Warranty Deed, Transfer · Conventional Mortgage
ARBOR MORTGAGE GROUP LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 28, 2024 · Amount on File
Deed SaleAug 28, 2024 · Amount on File
Prior SaleAug 4, 2017 · Amount on File
Deed Document Number202422304
Prior Transfer DateApr 18, 2007
Prior Transfer Doc0000027931
Record UpdatedOct 29, 2026

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Property Address446 NE EMERSON AVE, BEND, OR 97701-4939
Document Number0000009164
Instrument DateMar 7, 2019
Transaction TypeMortgage
Record UpdatedApr 2, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address446 NE EMERSON AVE BEND OR 977014939, BEND, OR 97701-4939

Mortgage

Document Number0000009164
DateMar 25, 2019
Instrument9164
Lender
NameMISCELLANEOUS GOVT AGCY
Address725 SUMMER ST NE # B, SALEM, OR 97301-1266
Agreement
TypeConventional Mortgage
AmountAmount on Record
Interest
Rate12%

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateAug 4, 2017
Property Address446 NE EMERSON AVE, BEND, OR 97701-4939
Document Number0000030773
Map ReferenceCAB2 PG348
Instrument DateAug 1, 2017
Instrument2017-30773
Transaction TypeTransfer
Record UpdatedNov 12, 2021
Title CompanyAMERITITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 923, BEND, OR 97709-0923

Mortgage

Document Number0000030774
DateAug 4, 2017
Instrument2017-30774
Lender
NameARBOR MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 446 NE Emerson Ave was $4,538, up 3.9% from the year before.

Source: Deschutes County assessment roll, as of November 5, 2025

Property Jurisdictions

TypeName
StateOregon
CountyDeschutes County
MunicipalityBend City
Unified School DistrictBend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,538.00 (+3.94%)$268,590 (+3%)$745,480 (+1.62%) Land $337,340 Building $408,140
2024$4,366.00 (+7.88%)$260,770 (+3%)$733,590 (-) Land $337,340 Building $396,250
2023$4,047.00$253,180$733,590 Land $337,340 Building $396,250

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 446 NE Emerson Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

The area around 446 NE Emerson Ave 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 RiskNot 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 SystemCITY OF BEND
serves 77,704 people · EPA ID OR4100100
Water SourceSurface water
Last State InspectionJul 2023
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting12
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 393 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Vero Fiber
Fiber		2,300 / 2,300
TDS Telecom
Cable		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: AT&T, Webformix.

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