65234 78th St, Bend, OR 97703 Property Records

Deschutes County property record for 65234 78th St, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,425 sqft · built 1999
Lot Size	2.45 acres (106,722 sqft)
Owner	2 Individual Names on Record
Last Sale	$623,000 (Jul 2020)
Tax Bill	$5,655 (2025)
Deeds & Mortgages	May 2022 Reverse Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161222 D0 01300`

Property Details

APN / Parcel Number

Primary APN	`161222 D0 01300`
Alternative APNs	`R2007161222D001300` `132774`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,425 sqft Living Area
1st Floor Area	2,216 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 1999
Architectural Style	Other
Lot Area	106,722 sqft (2.45 acres)
Garage Type	Mixed
Garage Area	1,249 sqft

Exterior Amenities

Deck Area	359 sqft
Shed	1 Shed
Lean-To	200 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	132774
Old Parcel Number	R2007161222D001300
Street Address	65234 78TH ST
City	BEND
State	OR
Zip	97703-8481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:10 BLK:12 SEC/TWN/RNG/MER:SEC 22 TWN 16 RNG 12 MAP REF:161222-D0
Legal Range	12E
Legal Township	16S
Legal Section	22
Legal Quarter	SE
Legal Subdivision	FIRST ADD TO WHISPERING PINES
Legal Block	12
Legal Lot Number	10
Jurisdiction	DESCHUTES OR
Township / Civil Division	REDMOND
Census Block Group	2
Census Block	2029
Census Tract	1002

Owner

Source: Deschutes County records, as of January 12, 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	65234 78TH ST, BEND, OR 97703-8481
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Jul 20, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Prior Sale	Jan 5, 2015 · Amount on Record
Deed Document Number	2020-34753
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	65234 78TH ST, BEND, OR 97703-8481
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	NOT AVAILABLE, MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65234 78TH ST, BEND, OR 97703-8481

Mortgage

Document Number	0000022045
Date	May 31, 2022
Instrument	2022-22045

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Change Frequency	Monthly
Index	1-Year CMT

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	65234 78TH ST, BEND, OR 97703-8481
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011659
Date	Feb 24, 2021
Instrument	2021-11659

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 20, 2020
Property Address	65234 78TH ST, BEND, OR 97703-8481
Document Number	0000034753
Instrument Date	Jul 16, 2020
Instrument	34753
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$623.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	65234 78TH ST BEND OR 977038481, BEND, OR 97703-8481

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
Unified School District	Redmond School District 2J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,655.00 (+8.92%)	$360,540 (+7.27%)	$984,700 (-5.53%) Land $223,280 Building $761,420
2024	$5,192.00 (+20.1%)	$336,110 (+16.93%)	$1,042,310 (+11.85%) Land $208,150 Building $834,160
2023	$4,323.00	$287,440	$931,860 Land $208,150 Building $723,710

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	2 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

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

Wildfire Risk	Moderate above 53% of the US · lower than 79% of Oregon
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 59 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

May also be available: Verizon.

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