520 NE Clay Ave, Bend, OR 97701 Property Records

Deschutes County property record for 520 NE Clay Ave, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,890 sqft · built 1935
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Apr 2019)
Tax Bill	$3,064 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171233 CD 01301`

Property Details

APN / Parcel Number

Primary APN	`171233 CD 01301`
Alternative APNs	`R1001171233CD01301` `105686`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,890 sqft Living Area
1st Floor Area	1,074 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Architectural Style	Other
Exterior Material	Wood Shingle
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Mixed
Garage Area	320 sqft
Deck Area	381 sqft

Utilities, Heating & Cooling

Heating System	Oil

Location & Zoning

Account Number	105686
Old Parcel Number	R1001171233CD01301
Street Address	520 NE CLAY AVE
City	BEND
State	OR
Zip	97701-5157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:10 BLK:4 SUBD:NORTHWEST TOWNSITE COMPANYS FIRST ADDITI SEC/TWN/RNG/MER:SEC 33 TWN 17 RNG 12 MAP REF:171233-CD
Legal Range	12E
Legal Township	17S
Legal Section	33
Legal Quarter	SW
Quarter-Quarter Section	SE
Legal Subdivision	NORTHWEST TOWNSITE COMPANYS FIRST ADDITI
Legal Block	4
Legal Lot Number	10
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1058
Census Tract	1602

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	Individual Name on Record
Mailing Address	520 NE CLAY AVE, BEND, OR 97701-5157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage EAST COUNTY LAND LLC
Apr 19, 2019	Special Warranty Deed, Transfer · Conventional Mortgage NBH BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2019 · Amount on Record
Deed Sale	Apr 19, 2019 · Amount on Record
Prior Sale	Sep 18, 2008
Deed Document Number	2019-12334
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	520 NE CLAY AVE, BEND, OR 97701-5157
Document Number	0000057865
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 NE CLAY AVE BEND OR 977015157, BEND, OR 97701-5157

Mortgage

Document Number	0000057865
Date	Oct 30, 2020
Instrument	57865

Lender

Name	EAST COUNTY LAND LLC
Address	PO BOX 295, BEND, OR 97709-0295

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 29, 2025

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 19, 2019
Property Address	520 NE CLAY AVE, BEND, OR 97701-5157
Document Number	0000012334
Instrument Date	Apr 18, 2019
Instrument	2019-12334
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 NE CLAY AVE, BEND, OR 97701-5157

Mortgage

Document Number	0000012335
Date	Apr 19, 2019
Instrument	2019-12335

Lender

Name	NBH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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	$3,064.00 (+3.93%) Additional exemption filed	$181,390 (+3%)	$625,570 (+1.77%) Land $252,070 Building $373,500
2024	$2,948.00 (+7.87%) Additional exemption filed	$176,110 (+2.99%)	$614,690 (-) Land $252,070 Building $362,620
2023	$2,733.00 Additional exemption filed	$170,990	$614,690 Land $252,070 Building $362,620

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

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

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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