646 NE 12th St, Bend, OR 97701 Property Records

Deschutes County property record for 646 NE 12th St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 1958
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,190 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171233 DB 08800`

Property Details

APN / Parcel Number

Primary APN	`171233 DB 08800`
Alternative APNs	`R1001171233DB08800` `105802`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1958
Architectural Style	Other
Lot Area	9,583 sqft (0.219 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	367 sqft
Shed	1 Shed
Shed Area	96 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	105802
Old Parcel Number	R1001171233DB08800
Street Address	646 NE 12TH ST
City	BEND
State	OR
Zip	97701-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:98 BLK:118 SUBD:FIRST ADDITION TO BEND PARK SEC/TWN/RNG/MER:SEC 33 TWN 17 RNG 12 MAP REF:171233-DB
Legal Range	12E
Legal Township	17S
Legal Section	33
Legal Quarter	SE
Quarter-Quarter Section	NW
Legal Subdivision	FIRST ADDITION TO BEND PARK
Legal Block	118
Legal Lot Number	98
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1013
Census Tract	1801

Owner

646 NE 12th St is owned and occupied by two individuals who acquired it in July 2011.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	646 NE 12TH ST, BEND, OR 97701-4810
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR MORTGAGE GROUP LLC
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Aug 22, 2017	Deed of Trust, Mortgage · Conventional with PMI ARBOR MORTGAGE GROUP LLC ARBOR MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Jul 18, 2011
Transfer Doc	0000025015
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	646 NE 12TH ST, BEND, OR 97701-4810
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046260
Date	Aug 9, 2021
Instrument	2021-46260

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company
Address	BEND, OR 97701

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	646 NE 12TH ST, BEND, OR 97701-4810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066574
Date	Dec 9, 2020
Instrument	2020-66574

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	646 NE 12TH ST, BEND, OR 97701-4810
Document Number	0000034267
Instrument Date	Aug 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	646 NE 12TH ST BEND OR 977014810, BEND, OR 97701-4810

Mortgage

Document Number	0000034267
Date	Aug 28, 2017
Instrument	34267

Lender

Name	ARBOR MORTGAGE GROUP LLC ARBOR MORTGAGE GROUP LLC
Type	Funding / Finance Company
Address	BEND, OR 97701

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 646 NE 12th St was $3,190, up 3.9% from the year before.

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	$3,190.00 (+3.94%)	$188,850 (+3%)	$629,230 (+1.62%) Land $285,140 Building $344,090
2024	$3,069.00 (+7.87%)	$183,350 (+3%)	$619,210 (-) Land $285,140 Building $334,070
2023	$2,845.00	$178,010	$619,210 Land $285,140 Building $334,070

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

Flood

FEMA maps place 646 NE 12th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 646 NE 12th St is low, with less than 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 94% of the US · lower than 98.7% of Oregon
Wildfire Likelihood	Under 0.01% 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 156 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon, Vero Fiber, Webformix.

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