540 NW Divot Dr, Bend, OR 97703 Property Records

Deschutes County property record for 540 NW Divot Dr, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,359 sqft · built 2000
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$920,000 (Nov 2024)
Tax Bill	$7,063 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171220-CC-05300`

Property Details

APN / Parcel Number

Primary APN	`171220-CC-05300`
Alternative APNs	`R1001171220CC05300` `196245`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,359 sqft Living Area
Gross Area	3,151 sqft
1st Floor Area	2,359 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Garage Area	792 sqft
Deck Area	418 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	196245
Street Address	540 NW DIVOT DR
City	BEND
State	OR
Zip	97703-8315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	RIVERS EDGE VILLAGE PHASE VI LOT 40
Legal Range	12
Legal Township	17
Legal Section	20
Legal Subdivision	RIVERS EDGE VILLAGE PHASE VI
Legal Lot Number	40
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2009
Census Tract	1301

Owner

540 NW Divot Dr is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 NW DIVOT DR, BEND, OR 97703-8315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Feb 27, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 11, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage KINECTA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Prior Sale	May 11, 2021 · Amount on File
Deed Document Number	202430151
Prior Transfer Date	Dec 4, 2006
Prior Transfer Doc	0000081805
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	540 NW DIVOT DR, BEND, OR 97703-8315
Transaction Type	Mortgage
Record Updated	Mar 6, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004574
Date	Feb 27, 2024
Instrument	2024-04574

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 16, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 11, 2021
Property Address	540 NW DIVOT DR, BEND, OR 97703-8315
Document Number	0000029344
Instrument Date	May 7, 2021
Instrument	2021-29344
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	540 NW DIVOT DR, BEND, OR 97703-8315

Mortgage

Document Number	0000029345
Date	May 11, 2021
Instrument	2021-29345

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

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

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 30, 2017
Property Address	540 NW DIVOT DR, BEND, OR 97703-8315
Document Number	0000025661
Instrument Date	Jun 28, 2017
Instrument	25661
Transaction Type	Transfer
Record Updated	Jul 10, 2017
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
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	540 NW DIVOT DR BEND OR 977038315, BEND, OR 97703-8315

Mortgage

Document Number	25662
Date	Jun 30, 2017
Instrument	25662

Lender

Name	KINECTA FCU
Type	Credit Union
Address	MANHATTAN BEACH, CA 90266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 540 NW Divot Dr was $7,063, 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	$7,063.00 (+3.93%)	$418,070 (+3%)	$922,920 (+5.32%) Land $278,600 Building $644,320
2024	$6,796.00 (+7.87%)	$405,900 (+3%)	$876,280 (+4.63%) Land $268,200 Building $608,080
2023	$6,300.00	$394,080	$837,480 Land $259,500 Building $577,980

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 540 NW Divot Dr 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 Zone	Zone X minimal risk
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

Wildfire risk around 540 NW Divot Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	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 276 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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