55365 Lazy River Dr, Bend, OR 97707 Property Records

Deschutes County property record for 55365 Lazy River Dr, Bend, OR 97707

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,491 sqft · built 2017
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jul 2003)
Tax Bill	$3,418 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`201130 D0 04400`

Property Details

APN / Parcel Number

Primary APN	`201130 D0 04400`
Alternative APNs	`R1022201130D004400` `126386`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,491 sqft Living Area
1st Floor Area	1,491 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Other
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Mixed
Garage Area	484 sqft

Exterior Amenities

Deck Area	160 sqft
Shed	1 Shed
Shed Area	48 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	126386
Old Parcel Number	R1022201130D004400
Street Address	55365 LAZY RIVER DR
City	BEND
State	OR
Zip	97707-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:6 BLK:2 SUBD:SUBDIVISION OF LOTS 5 & 6 BLOCK 2 LAZY R SEC/TWN/RNG/MER:SEC 30 TWN 20 RNG 11 MAP REF:201130-D0
Legal Range	11E
Legal Township	20S
Legal Section	30
Legal Quarter	SE
Legal Subdivision	SUBDIVISION OF LOTS 5 & 6 BLOCK 2 LAZY R
Legal Block	2
Legal Lot Number	6
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1012
Census Tract	301

Owner

55365 Lazy River Dr is owned and occupied by two individuals who bought it in July 2003.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	55365 LAZY RIVER DR, BEND, OR 97707-2539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Jun 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2003 · Amount on File
Deed Sale	Jul 30, 2003 · Amount on File
Deed Document Number	0200354314
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	55365 LAZY RIVER DR, BEND, OR 97707-2539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018452
Date	Apr 24, 2020
Instrument	2020-18452

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

June 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 20, 2017
Property Address	55365 LAZY RIVER DR, BEND, OR 97707-2539
Instrument Date	Jun 15, 2017
Instrument	23786
Transaction Type	Construction Loan
Record Updated	Jun 28, 2017
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES CNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 1854 OREGON CITY OR 970450854, OREGON CITY, OR 97045-0854

Mortgage

Document Number	0000023786
Date	Jun 20, 2017
Instrument	23786

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 55365 Lazy River Dr was $3,418, up 4.2% from the year before.

Source: Deschutes County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
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	$3,418.00 (+4.18%)	$187,040 (+3%)	$579,720 (-) Land $148,680 Building $431,040
2024	$3,281.00 (+4.06%)	$181,600 (+2.99%)	$579,720 (-10.59%) Land $148,680 Building $431,040
2023	$3,153.00	$176,320	$648,400 Land $122,740 Building $525,660

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

Flood

FEMA maps place 55365 Lazy River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 55365 Lazy River Dr is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 85% of Oregon
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
CenturyLink DSL	60 / 5

May also be available: AT&T, T-Mobile, TDS Telecom.

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