481 NW State St, Bend, OR 97703 Property Records

Deschutes County property record for 481 NW State St, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,280 sqft · built 1928
Lot Size	0.139 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$1,528,500 (Aug 2018)
Tax Bill	$6,864 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Aug 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171232 CB 06500`

Property Details

APN / Parcel Number

Primary APN	`171232 CB 06500`
Alternative APNs	`R1001171232CB06500` `103960`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,280 sqft Living Area
1st Floor Area	1,476 sqft
2nd Floor Area	1,158 sqft
Attic Area	774 sqft
Basement Area	646 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Architectural Style	Split Level
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Mixed
Garage Area	360 sqft
Deck Area	244 sqft

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	103960
Old Parcel Number	R1001171232CB06500
Street Address	481 NW STATE ST
City	BEND
State	OR
Zip	97703-2550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:22 BLK:3 SUBD:PARK ADDITION TO BEND SEC/TWN/RNG/MER:SEC 32 TWN 17 RNG 12 MAP REF:171232-CB
Legal Range	12E
Legal Township	17S
Legal Section	32
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	PARK ADDITION TO BEND
Legal Block	3
Legal Lot Number	22
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1019
Census Tract	1502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Drake Park Neighborhood Historic District listed 2005 · 110 contributing resources · NRIS 05000380

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Deschutes County records, as of January 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	481 NW STATE ST, BEND, OR 97703-2550
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2017	Deed of Trust, Mortgage · ARM UBS BANK USA
Aug 17, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE
Jun 15, 2018	Warranty Deed, Transfer AMERITITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	2018-33603
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	481 NW STATE ST, BEND, OR 97703-2550
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006464
Date	Feb 17, 2017
Instrument	2017-06464

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 17, 2018
Property Address	481 NW STATE ST, BEND, OR 97703-2550
Document Number	0000033603
Instrument Date	Aug 14, 2018
Instrument	33603
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,528.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	245 MOUNT HAMILTON AVE LOS ALTOS CA 940222239, LOS ALTOS, CA 94022-2239
Investor	Possibly a Property Investor

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 15, 2018
Property Address	481 NW STATE ST, BEND, OR 97703-2550
Document Number	0000024574
Instrument Date	Jun 14, 2018
Instrument	24574
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Tax	$1,580.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	481 NW STATE ST BEND OR 977032550, BEND, OR 97703-2550

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 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	$6,864.00 (+3.94%)	$406,300 (+3%)	$1,459,050 (+12.82%) Land $819,410 Building $639,640
2024	$6,604.00 (+7.87%)	$394,470 (+3%)	$1,293,220 (-2.05%) Land $819,410 Building $473,810
2023	$6,122.00	$382,990	$1,320,300 Land $908,290 Building $412,010

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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	Low lower than 98% of the US · lower than 99.5% of Oregon
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 615 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
Verizon Fixed Wireless	300 / 20
Webformix Fixed Wireless	200 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Fatbeam, T-Mobile.

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