65640 78th St, Bend, OR 97703 Property Records

Deschutes County property record for 65640 78th St, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,860 sqft · built 1995
Lot Size	2.76 acres (120,226 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Jul 2020)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161215 D0 04000`

Property Details

APN / Parcel Number

Primary APN	`161215 D0 04000`
Alternative APNs	`R2004161215D004000` `130651`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,860 sqft Living Area
1st Floor Area	1,332 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	120,226 sqft (2.76 acres)
Garage Type	Mixed
Garage Area	624 sqft
Deck Area	156 sqft

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	130651
Old Parcel Number	R2004161215D004000
Street Address	65640 78TH ST
City	BEND
State	OR
Zip	97703-8455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:18 BLK:25 SUBD:SECOND ADDITION TO WHISPERING PINES ESTA SEC/TWN/RNG/MER:SEC 15 TWN 16 RNG 12 MAP REF:161215-D0
Legal Range	12E
Legal Township	16S
Legal Section	15
Legal Quarter	SE
Legal Subdivision	SECOND ADDITION TO WHISPERING PINES ESTA
Legal Block	25
Legal Lot Number	18
Jurisdiction	DESCHUTES OR
Township / Civil Division	REDMOND
Census Block Group	2
Census Block	2024
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	65640 78TH ST, BEND, OR 97703-8455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Jul 20, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

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	Jul 6, 2005 · Amount on Record
Deed Document Number	2020-34970
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	65640 78TH ST, BEND, OR 97703-8455
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057801
Date	Oct 12, 2021
Instrument	2021-57801

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 20, 2020
Property Address	65640 78TH ST, BEND, OR 97703-8455
Document Number	0000034970
Map Reference	CAB A PG 163
Instrument Date	Jul 17, 2020
Instrument	2020-34970
Transaction Type	Transfer
Record Updated	Nov 12, 2021
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	65640 78TH ST, BEND, OR 97703-8455

Mortgage

Document Number	0000034971
Date	Jul 20, 2020
Instrument	2020-34971

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$3,615.00 (+4.6%)	$213,800 (+3%)	$573,260 (-3.31%) Land $300,850 Building $272,410
2024	$3,456.00 (+4.92%)	$207,580 (+3%)	$592,870 (-) Land $279,750 Building $313,120
2023	$3,294.00	$201,540	$592,870 Land $279,750 Building $313,120

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 69% of the US · lower than 70% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
Wind Wireless Fixed Wireless	25 / 5

May also be available: AT&T, TDS Telecom, Webformix.

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