64825 Saros Ln, Bend, OR 97703 Property Records

Deschutes County property record for 64825 Saros Ln, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1997
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (May 2020)
Tax Bill	$3,932 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`161228-DD-04000`

Property Details

APN / Parcel Number

Primary APN	`161228-DD-04000`
Alternative APNs	`R1058161228DD04000` `166542`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,544 sqft Living Area
Gross Area	2,084 sqft
1st Floor Area	1,544 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Area	540 sqft
Deck Area	44 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	166542
Street Address	64825 SAROS LN
City	BEND
State	OR
Zip	97703-8415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUA10
Legal Description	STARWOOD BLOCK 6 LOT 14
Legal Range	12
Legal Township	16
Legal Section	28
Legal Subdivision	STARWOOD
Legal Block	6
Legal Lot Number	14
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1016
Census Tract	1102

Owner

64825 Saros Ln is owned and occupied by two individuals who acquired it in July 2024.

Source: Deschutes County records, as of December 19, 2025

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	64825 SAROS LN, BEND, OR 97703-8415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 19, 2020	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2020 · Amount on File
Deed Sale	May 19, 2020 · Amount on File
Prior Sale	Mar 23, 2012 · Amount on File
Deed Document Number	202022677
Last Transfer Date	Jul 17, 2024
Transfer Doc	0000018439
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	64825 SAROS LN, BEND, OR 97703-8415
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64825 SAROS LN, BEND, OR 97703-8415

Mortgage

Document Number	0000034226
Date	Dec 12, 2025
Instrument	2025-34226

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	SAN JOSE, CA 95134

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	64825 SAROS LN, BEND, OR 97703-8415
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64825 SAROS LN, BEND, OR 97703-8415

Mortgage

Document Number	0000005797
Date	Feb 10, 2022
Instrument	2022-05797

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	64825 SAROS LN, BEND, OR 97703-8415
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040049
Date	Jul 6, 2021
Instrument	2021-40049

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	84411

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	Other
Max Rate	7.37%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 19, 2020
Property Address	64825 SAROS LN, BEND, OR 97703-8415
Document Number	0000022677
Map Reference	CAB C PG 85
Instrument Date	May 14, 2020
Instrument	2020-22677
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	DESCHUTES COUNTY TITLE CO

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	64825 SAROS LN, BEND, OR 97703-8415

Mortgage

Document Number	0000022678
Date	May 19, 2020
Instrument	2020-22678

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Index	5-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 64825 Saros Ln was $3,932, up 4.5% from the year before.

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	$3,932.00 (+4.52%)	$262,530 (+3%)	$650,630 (+5.84%) Land $275,510 Building $375,120
2024	$3,762.00 (+6.27%)	$254,890 (+3%)	$614,710 (-) Land $260,820 Building $353,890
2023	$3,540.00	$247,470	$614,710 Land $260,820 Building $353,890

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

Flood

FEMA maps place 64825 Saros 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	4 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 64825 Saros Ln is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 74% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
CenturyLink DSL	140 / 20

May also be available: Verizon.

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