61296 Howe Way, Bend, OR 97702 Property Records

Deschutes County property record for 61296 Howe Way, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	1,356 sqft · built 2022
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Jun 2023)
Tax Bill	$7,030 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181112-CC-02300`

Property Details

APN / Parcel Number

Primary APN	`181112-CC-02300`
Alternative APN	`280869`

Interior

Building Area	1,356 sqft
Gross Area	551 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	3,049 sqft (0.07 acres)

Location & Zoning

Account Number	280869
Street Address	61296 HOWE WAY
City	BEND
State	OR
Zip	97702-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UAR10
Legal Description	HIGHLANDS RIDGE PHASES 1 & 2 LOT 10
Legal Range	11
Legal Township	18
Legal Section	12
Legal Subdivision	HIGHLANDS RIDGE PHASES 1 & 2
Legal Lot Number	10
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1024
Census Tract	1401

Owner

Source: Deschutes County records, as of May 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	61296 HOWE WAY, BEND, OR 97702-3832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit COLUMBIA BANK
Jun 23, 2023	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2023 · Amount on Record
Deed Sale	Jun 23, 2023 · Amount on Record
Deed Document Number	202314980
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Apr 20, 2026
Property Address	61296 HOWE WAY, BEND, OR 97702-3832
Document Number	0000011654
Instrument Date	Apr 3, 2026
Instrument	202611654
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	61296 HOWE WAY, BEND, OR 97702-3832

Mortgage

Document Number	0000011654,
Date	Apr 20, 2026
Instrument	202611654

Lender

Name	COLUMBIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 23, 2023
Property Address	61296 HOWE WAY, BEND, OR 97702-3832
Document Number	0000014980
Map Reference	DOC 2020-10700
Instrument Date	Jun 15, 2023
Instrument	2023-14980
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	WESTERN TITLE & ESCROW

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	61296 HOWE WAY, BEND, OR 97702-3832

Mortgage

Document Number	0000014981
Date	Jun 23, 2023
Instrument	2023-14981

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of November 5, 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	$7,030.00 (+3.31%)	$424,570 (+3%)	$838,670 (-7.12%) Land $386,900 Building $451,770
2024	$6,805.00 (+75.48%)	$412,210 (+71.91%)	$902,960 (+54.99%) Land $427,000 Building $475,960
2023	$3,878.00 (+90.57%)	$239,780 (+70.95%)	$582,610 (+195.74%) Land $427,000 Building $155,610
2022	$2,035.00	$140,260	$197,000 Land $197,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Moderate above 54% of the US · lower than 79% of Oregon
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 169 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

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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