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Single Family ResidenceResidential
$3,270,269$584 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 98How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,815,000 on Jan 4, 2021

640 NW CONGRESS ST

BEND, OR 97703
7
Beds
8
Baths
5,595 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1916
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$3.3M
$3.2M low$3.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,815,000 · Jan 4, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,655,269
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,324,215
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.50%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$1,215,000
MORTGAGEONE INC · recorded Jan 4, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$400,000
NAVY FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,132 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$422,130 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$409,860
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,421,140

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyDeschutes
Lot (acres)The size of the land the home sits on, from county records.0.32
HeatingThe type of heating system in the home.None
FireplaceWhether the home has a fireplace, and what kind.Single
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Average
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 893 ft²Patio · 712 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Amity Creek Magnet at Thompson SchoolA+
Elementary · Grades KG–5 · 0.2 mi
M
Cascade Middle SchoolA+
Middle · Grades 6–8 · 1.8 mi
H
Summit High SchoolA+
High · Grades 9–12 · 2.2 mi

District: Bend-la Pine Administrative School District 1

Neighborhood · ZIP 97703These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.89

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.32,064
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.84 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$120,233
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$147,618
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 Nw Congress St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Old Bend
  • Costs more per square foot than 91% of homes in Deschutes County
  • Among the largest homes in Old Bend
  • Has a bigger lot than 98% of homes in Old Bend
  • Among the oldest homes in Bend 97703

What homes are worth in Bend 97703

Each bar is how many homes fall in that price range. The marker is this home.

This home
$408K$2.9M

This home is worth more than 98% of homes in Bend 97703.

How it measures up in Bend 97703

The dot is this home. The mark in the middle is the typical home in Bend 97703.

Estimated value$3,270,269
CheaperTypical $1,052,136Pricier

Pricier than 98% of homes nearby

Price per ft²$584
CheaperTypical $509Pricier

Pricier than 69% of homes nearby

Living area5,595 ft²
SmallerTypical 2,118 ft²Bigger

Bigger than almost all homes nearby

Lot size0.32 ac
SmallerTypical 0.25 acBigger

Bigger than 57% of homes nearby

Year built1916
OlderTypical 1999Newer

Older than almost all homes nearby

How 640 Nw Congress St ranks against every home in each area.
MeasureThis homeOld BendBend 97703Deschutes County
Estimated valuepricier than$3,270,269almost all homes98% of homesalmost all homes
Price per ft²pricier than$58423% of homes69% of homes91% of homes
Living areabigger than5,595 ft²almost all homesalmost all homesalmost all homes
Lot sizebigger than0.32 ac98% of homes57% of homes57% of homes
Year builtnewer than191611% of homesalmost no homesalmost no homes

About 640 Nw Congress St

How much is 640 Nw Congress St, Bend, OR worth?

The TopHap Estimate for 640 Nw Congress St, Bend, OR is $3,270,269 as of Jul 14, 2026. The likely range is $3,203,542 to $3,336,997. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Nw Congress St, Bend, OR last sell?

640 Nw Congress St, Bend, OR last sold on Jan 4, 2021 for $1,815,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 640 Nw Congress St, Bend, OR?

640 Nw Congress St, Bend, OR has 7 bedrooms, 8 bathrooms, 5,595 square feet of living space and a 0.32-acre lot.

When was 640 Nw Congress St, Bend, OR built?

640 Nw Congress St, Bend, OR was built in 1916, making it 110 years old. It is a split level home. The building has 2 stories.

What schools serve 640 Nw Congress St, Bend, OR?

640 Nw Congress St, Bend, OR is assigned to Amity Creek Magnet at Thompson School (elementary), rated A+; Cascade Middle School (middle), rated A+; Summit High School (high), rated A+. All sit in Bend-la Pine Administrative School District 1. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Nw Congress St, Bend, OR compare to other homes in Bend 97703?

Among the 14,577 homes in Bend 97703, it is worth more than 98% of them ($3,270,269 against a typical $1,052,136), its price per square foot is higher than 69% of them ($584 against a typical $509), it is bigger than almost all of them (5,595 ft² against a typical 2,118 ft²), its lot is bigger than 57% of them (0.32 ac against a typical 0.25 ac) and it is newer than almost none of them (1916 against a typical 1999). Measured against all of Deschutes County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 Nw Congress St, Bend, OR?

The 2025 property tax bill for 640 Nw Congress St, Bend, OR was $7,132. The county assessed it at $422,130.

Closest homes

More homes in Bend 97703

Assigned schools

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