646 NW Compass Ln, Bend, OR 97703 Property Records

Deschutes County property record for 646 NW Compass Ln, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,481 sqft · built 2016
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$609,900 (Apr 2017)
Tax Bill	$7,387 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171229 BD 01509`

Property Details

APN / Parcel Number

Primary APN	`171229 BD 01509`
Alternative APN	`273225`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,481 sqft Living Area
1st Floor Area	1,372 sqft
2nd Floor Area	1,109 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Mixed
Garage Area	597 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	273225
Street Address	646 NW COMPASS LN
City	BEND
State	OR
Zip	97703-6831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:8 SUBD:COMPASS CORNER SEC/TWN/RNG/MER:SEC 29 TWN 17 RNG 12 MAP REF:171229-BD
Legal Range	12
Legal Township	17
Legal Section	29
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	COMPASS CORNER
Legal Lot Number	8
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2027
Census Tract	1301

Owner

646 NW Compass Ln is owned and occupied by an individual who bought it in April 2017.

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	646 NW COMPASS LN, BEND, OR 97703-6831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 2, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Apr 28, 2017	Bargain and Sale Deed, Transfer · Conventional Mortgage BBMC MORTGAGE LLC
Jan 20, 2017	Trustee's Deed, Construction Loan · Line of Credit NORTHWEST VIEW PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2017 · Amount on File
Deed Sale	Apr 28, 2017 · Amount on File
Deed Document Number	2017-16304
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	646 NW COMPASS LN, BEND, OR 97703-6831
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039274
Date	Aug 7, 2020
Instrument	2020-39274

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	646 NW COMPASS LN, BEND, OR 97703-6831
Document Number	0000014676
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	646 NW COMPASS LN BEND OR 977036831, BEND, OR 97703-6831

Mortgage

Document Number	0000014676
Date	May 8, 2019
Instrument	14676

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 7, 2049

April 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 28, 2017
Property Address	646 NW COMPASS LN, BEND, OR 97703-6831
Document Number	0000016304
Instrument Date	Mar 10, 2017
Instrument	2017-16304
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 NW COMPASS LN, BEND, OR 97703-6831

Mortgage

Document Number	0000016305
Date	Apr 28, 2017
Instrument	2017-16305

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jan 20, 2017
Property Address	646 NW COMPASS LN, BEND, OR 97703-6831
Instrument Date	Dec 18, 2016
Instrument	2438
Transaction Type	Construction Loan
Record Updated	Jan 26, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4230 GALEWOOD ST #100 LAKE OSWEGO OR 970352495, 100, LAKE OSWEGO, OR 97035-2495

Mortgage

Document Number	0000002438
Date	Jan 20, 2017
Instrument	2438

Lender

Name	NORTHWEST VIEW PROPERTIES LLC
Address	4230 GALEWOOD ST # 100, LAKE OSWEGO, OR 97035-2495

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 19, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 646 NW Compass Ln was $7,387, 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	$7,387.00 (+3.94%)	$437,200 (+3%)	$970,510 (-) Land $245,870 Building $724,640
2024	$7,107.00 (+7.88%)	$424,470 (+3%)	$970,510 (-7.66%) Land $245,870 Building $724,640
2023	$6,588.00	$412,110	$1,051,020 Land $245,870 Building $805,150

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

Flood

FEMA maps place 646 NW Compass Ln 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 646 NW Compass Ln 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 98% of the US · lower than 99.5% of Oregon
Wildfire Likelihood	Under 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 309 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
Verizon Fixed Wireless	300 / 20

May also be available: Blue Mountain Net.

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