The Maitre Group - Buyer Guide

Exclusive Guide to Living in Central Oregon

Melanie Maitre, Broker 541.480.418 | Melanie@TheMaitreGroup.com Josh Maitre, Broker 541.678.3341 | Josh@TheMaitreGroup.com www.TheMaitreGroup.com

CENTRAL OREGON | AT A GLANCE

MARKET SHARE in Central Oregon in 2018

Over 2018

,

on average,CSIR had more listings than the NEXT TWO COMPETITORS COMBINED.

126

AVERAGE DAYS on market in 2018 | residential

BROKERS

300

2x

COMPANY WIDE

12

OFFICES throughout OR & SW WA

38% COMPANY WIDE $1.5 BILLION

SALES GROWTH 2016-2018

company wide sales volume in 2018 | RECORD YEAR

CASCADE SOTHEBY’S INTERNATIONAL REALTY RELI Who We What is it?

RELIAre is the new company intranet and will replace Sherpa. We compiled

important systems & tools (MLS portal, Contactually, e-relocation etc) into one centralized hub called RELI.

For over a decade, Cascade Sotheby’s International Realty has been an innovative inthe thein-house regionalCSIR residential real Our brokers What will RELI leader do? It is tool you willestate use tomarket. organize, manage and market business. areyour passionate masters of their craft, combining local expertise and global connections to set the standard for real estate guidance in Oregon and SW When is RELI coming? By the end of April. We will let you know as soon as we have an exactWashington. date.

DoesWe RELI Broker webpages?

Yes, and it gives youand more choice to customize your havehave grown and evolved in rhythm with market technology webpages. In short, you create your Broker Webpages in RELI and your Broker Webpages advancements and seen significant progress and change in our communities. will exist on the Company Website.

Along the way, we have never lost sight of what inspires us—the endless Are we alsoand relaunching our publicoffacing company place website? we Pacific are making beauty distinct landscape our remarkable hereYes, in the important changes to our company website to enhance the look, feel and functionality.

Northwest. It is this deep—almost sacred—sense of place that we share with This is happening simultaneously with the launch of RELI. our clients and compels us to accompany them on the journey to buying or selling to a home.

6 things get excited about:

1. Less to remember.

RELIlifestyles is a “single platform that Wepasswords honor the incredibly diverse wesign-on” serve throughout theinterfaces region. with many of the programs you use today.

Whether a client dreams of an oceanfront retreat, a high desert oasis, a suburban home, a high-rise workingtoranch, we consider 2. Free, built-infamily email templates.

The newcondo, systemorisatailored the emails you use most often. ourselves their partner in fulfilling that vision. We know that a home is arouting reflection of our andhave place in messaging the world. Itstraight is this to your 3. Lead easier andunique better.lifestyles You will now text understanding that makes us a leader in the market. phone.

4. The free Broker webpages give you over 20 choices of layout templates, are more We are powered by the global prestige, heritage and fortitude of the Sotheby’s customizable, and give you a better public facing marketing presence – think of it as your International brand. In an ever-changing real estate market, it’s the personalized “retailRealty store front”.

brand that gives us staying power. Today, we have 13 offices and nearly 300

5. Resource search is more organic and will be much easier to find what you are looking brokers that form the most expansive luxury and lifestyle real estate network for.

in the Pacific Northwest. This exceptional team of brokers all share one 6. NEW! Marketing Tips Tools section will beand displayed RELI home you. page right at belief—your best life&begins with a home way of on lifethe that inspires your fingertips.

TEAM BIO

Melanie and Josh are a mother/son real estate team. Melanie started real estate when the market had crashed and basically took the attitude of "If I can survive in this market, I can survive in any market". Well she quickly did more than survive and became one of the top real estate agents and one that her clients felt confident in referring to their friends and family. Melanie has now been in real estate for 10 years and with Josh growing up around real estate, let's just say he caught the "real estate bug". Now these two teamed up to offer the absolute best service to their clients.

They have created The Maitre Group which prides itself on client centered service which means truly listening to their clients needs, negotiating for THEIR best interest and not just another sale, being available and keeping them informed through the entire process.

Their absolute goal is to raise that bar when it comes to your opinion of real estate brokers and one that you would recommend for years to come. They would be honored to help you with your real estate needs.

Melanie Maitre | 541.480.4186 | Melanie@TheMaitreGroup.com Josh Maitre | 541.678.3341 | Josh@TheMaitreGroup.com

Melanie & Josh Maitre Cascade Sotheby's International Realty melanie@themaitregroup.com M: 541.480.4186 | J: 541.678.3341

Buyer Services

o Buyer Consultation - identifying YOUR needs, timing, and budget for your new home o Loans – If you don’t have a lender, we recommend several respected lenders o Property Search Portal at TheMaitreGroup.com - online search designed with your specific criteria o Actively seek out homes that will fit your needs - networking with other brokers and platforms to identify homes for you prior to them hitting the market, making you one of the first to know

Seller Services

o Sellers Consultation - evaluate sellers needs and timing, market evaluation and create market strategy that matches sellers needs and current market trends o Professional Photographs o Unparalleled Online Global Marketing o New Listing Launch Program o Network to announce upcoming property and create excitement o Networking with Brokers in Feeder Markets: Portland, Washington, etc.

o Relocating? We provide video home tours for our out-of-town clients

o Mail out “Just Listed” postcard to targeted areas

o Home Inspections – We have a great home inspector that we can recommend

o Home Book and Property Flyers

o Annual Real Estate Review – as part of our service we give an annual review which is great for you to see a tailored evaluation of your investment

o Featured on Brokers Tour

o Open House

o Communication is KEY - Weekly Online Activity Reports, feedback on showings, updates on market, updates throughout the escrow process and anything else along the way

CLIENT TESTIMONIALS Choosing the rright ight Realtor to represent yyou ou in yyour our real estate tr transaction ansaction is a cr critical itical par partt of making a smooth successful tr transasction. ansasction. There is so m much uch w wee can sa sayy to ensure yyou ou that yyou ou ha havve made the rright ight decision in hir hiring ing us but here are what clients ha havve said. We hope this helps ease yyour our mind and giv gives es yyou ou great confidence that yyou ou ha havve made the rright ight decision in choosing The Maitre Group Group..

Simply put, Josh and Mel were amazing! Buying a home is a huge deal, and for a first-time home buyer like myself, I had a ton of questions on topics across the board, ranging from questions on the broader real estate market, to questions on the loan process and budget best practices, to highlighting the pro's and con's of each neighborhood within Bend and how each fit within my lifestyle and interests. By the end of our process I felt VERY informed, which gave me the ability to make a final decision on a house that I felt great about, and enjoy so much today. And last but certainly not least, they made the process fun and enjoyable! I will without a doubt use The Maitre Group for all of my real estate needs going forward! - Da Davve L. We were in very good hands with Maitre Group. We knew we would have every question answered and every issue addressed, often before we even knew about it. Melanie and Josh are well-connected in Our community and know the process inside and out. I need to mention that they’re super fun to work with also! We’ve gone back to them again and again and appreciate the confidence we’ve counted on! Totally recommend The Maitre Group!! - Annie & Joe G. When my realtor was out of town, she asked Melanie to show me homes in her absence. Melanie patiently showed me an extensive list of homes around Bend, always generous with her time despite my slow decision-making, which took months! Teaming with my original wonderful realtor, I had the good fortune to benefit from the wisdom of both savvy, experienced realtors. Melanie has a great eye for envisioning ways to revamp homes that may not have immediate appeal. I wound up buying a 1925 fixer upper in a lovely neighborhood, buying for location more than house, and appreciate Melanie's creative input. Even after buying my home, Melanie offered referrals for contractors, home designers, architects. I came to consider Melanie a friend through this process, and I happily recommend her to anyone buying a home in and around Bend, Oregon. - Judy D D..

We appreciated her open houses and neighborhood wine & cheese evening. She communicated with us daily and knew so well our hopes and dreams. She restored our trust in realtors and stayed with us all the way through both our sale and our new home purchase! - Dianne & Jeff W W..

Melanie extended herself to cover and manage details of our home purchase that we were unable to take care of as we live in Seattle. Melanie also has provided supervision of the builder and home inspector's on-site work at our home when we were not in town. She did this before AND after closing. Most importantly Melanie was overwhelmingly supportive, knowledgeable and patient in the often tense process of purchasing a home and making so many important dicisions along the way. - Cathr Cathryn yn W W.. & Thamir A. Melanie was professional, understanding and dedicated. I greatly appreciated her integrity. She is open and honest and never BS'd me. She made this very painful process of selling my home, which felt more like "losing" my home as painless as possible. Melanie is the only agent I will use in the future. - Cher Cheryl yl A. Melanie answered all our questions, showed us LOTS of homes, showed patience and perseverance, guided us through negotiations both to buy and sell. She was excellent! - Klint & Cindy O O..

Melanie & Josh Maitre Cascade Sotheby's International Realty melanie@themaitregroup.com M: 541.480.4186 | O: 541.383.7600

IN

ECONOMIC DEVELOPMENT FOR CENTRAL OREGON

2018 CENTRAL OREGON ECONOMIC PROFILE 705 SW BONNETT WAY SUITE 1000 BEND, OR 97702

EDCOINFO.COM #EDCOINFO @EDCOINFO

Bend, Oregon Welcome to our Tri-County Region Welcome to Central Oregon! Where the commute times are short and breathtaking views await you at every turn. The region features dramatic snow-capped mountain ranges and high desert plateaus within Deschutes, Crook, and Jefferson counties.

Located halfway between San Francisco and Seattle, the hottest small-metropolitan market in the U.S. is Central Oregon. In 2017 alone, the Bend-Redmond area had the nation’s #1 GPD growth (8.1%), the 2nd fastest job growth (5.9%), and the 6th fastest population growth (4.9%).

With these factors in mind, both Forbes and the Milken Institute ranked us as the nation’s Top Overall Performer.

Central Oregon is pulling extraordinary talent and capital, transforming into a diverse and highly entrepreneurial business ecosystem. Lured by natural scenic beauty and big city amenities (world-class health care, education, dining) without big city costs or hassle, people are learning that having a true work-life balance is possible. Employees are happier; companies are more innovative and capital-efficient. All in a region dominated by small to mid-sized firms that compete globally – and win.

- Economic Development for Central Oregon

CENTRAL OREGON OVERVIEW Regional Population:

228,225

Regional Labor Force:

114,520

Bend-Redmond MSA GDP Per Capita:

$51,647

(2017 estimates from Portland State University)

(Seasonally adjusted total for May from Oregon Employment Department)

(2016 estimate from the Bureau of Economic Analysis) *Bureau of Economic Analysis data is only available for the Bend-Redmond MSA

Access to and from our region has never been easier with four national carriers flying 50 segments daily to seven international airports. The best part?

Travel through the Redmond airport is a breeze. edcoinfo.com

POPULATION

Central Oregon has been among the fastest growing regions anywhere in the U.S.

“Net migration is one

In-migration has been the dominating factor in the region’s

of Oregon’s competitive

growth with approximately 6,000 new residents every year

advantages as we have

moving to the area from all over the country. At the same time, the region’s ability to attract young families has resulted in

historically been able

strong birth rates.

to attract new residents

POPULATION CHANGES FOR CENTRAL OREGON

Area Oregon

Percent Change 2010 - 2017

Net Migration % 2010 - 2017

8.1%

73.7%

Counties Deschutes County

16.0%

89.4%

Jefferson County

6.8%

58.5%

Crook County

5.4%

126.3%

Source: Population Research Center, PSU, April 2018. (April 1, 2010 to July 1, 2017)

Economic Development for Central Oregon

to the state, expanding the labor force.”

Damon Runberg Regional Economist, State of Oregon Employment Department

PAGE TITLE HERE

NEW RESIDENTS, NEW IDEAS & NEW ENERGY

#6 FASTEST

POPULATION GROWTH IN THE U.S. - U.S. CENSUS, 2018, 2017 DATA

With over 4 million visitors flocking to Central Oregon each year, it proves a great introduction to our region’s culture, lifestyle, and a great first impression for businesses.

Central Oregon and the Bend-Redmond MSA continually top the nation in population growth. While our population grows, so does our workforce. We’re cultivating a community that has consciously decided to live here and work towards making our region an even better place to live.

POPULATION TOTALS FOR CENTRAL OREGON 1990 2000 Oregon 2,842,321 3,421,399 Crook County 14,111 19,184 Deschutes County 74,958 115,367 Bend 20,447 52,029 La Pine Not yet incorporated Redmond 7,165 13,481 Sisters 708 959 Unincorporated 46,638 48,898 Jefferson County 13,676 19,009 Tri-County Total 102,745 153,560 Area

2010 3,837,300 21,020 157,905 76,740 1,660 26,225 2,040 51,240 21,750 200,675

2015 4,013,845 21,085 170,740 81,310 1,670 27,050 2,280 53,151 22,445 214,270

2016 4,076,350 21,580 176,635 83,500 1,675 27,595 2,390 61,475 22,790 221,005

2017 4,141,100 22,105 182,930 86,765 1,730 28,265 2,540 63,630 23,190 228,225

Source: Population Research Center, PSU. 1990 and 2000 Census numbers are for April 1 of that year; 2013-2017 data are for July 1 of that year.

edcoinfo.com

We guide employers outside the region through the relocation process as a resource for regional data, incentives, talent, site selection, and A-Z problem solving.

MOVE Business Cost Comparison Oregon offers more incentive programs to traded-sector businesses (companies that sell products or services outside the area) than Washington and California combined. Even without taking those incentives into consideration, Oregon is still a more cost-effective choice for doing business. Contact EDCO for a detailed look at the business costs in Central Oregon.

OR

CA

WA

Avg. Electricity Rate (¢/kWh)

6.03¢

11.78¢

4.60¢

Avg. Natural Gas Rate ($/kcf)

$5.43

$7.00

$7.39

State & Local Sales Tax Rate

None

8.5%

9.2%

State Business Tax Climate Index

#10

#48

#17

Sources: Tax Foundation 2017, US Energy Information Association (Natural Gas) 2017, US Energy Information Association (Electricity) 2017

“EDCO’s involvement in the High Desert Proving Grounds project proved important to the expansion of Daimler Trucks North America LLC’s presence in Central Oregon. EDCO’s expertise in jurisdictional approval processes and incentives was key for DTNA’s development of this site. It was an absolute pleasure to partner with EDCO to achieve DTNA’s goals.”

- Matt Markstaller, Manager – Properties and Building Management, Daimler Trucks North America

Case Study: In 2014, Daimler Trucks North America (DTNA) started a world-wide search for a site to build a stateof-the-art $18.7 million test facility. EDCO worked closely with DTNA throughout the extensive process, navigating site selection, tax incentives and expanding the local Enterprise Zone boundary, among other things. Billed as the High Desert Proving Grounds, DTNA chose Madras, Oregon for the 87-acre site which includes a 3.5-mile Durability Test Track, allowing engineers to simulate a typical vehicle’s million-mile lifespan in just six months. The facility opened in May 2017 – a timeline that would not have been possible without help from EDCO. This project was also awarded the 2016 Business Development Success Story of The Year by the Oregon Economic Development Association (OEDA).

- Economic Development for Central Oregon

ENTREPRENEURIAL SUPPORT

A driving force for our economic performance is a collaborative and inclusive entrepreneurial community.

This is supported via the number of new business registrations, which has outpaced far larger cities. Bend registered one new business for every 28 residents in 2017 - nearly twice the state average.

The region is large enough to support the resources and access to capital that help new entrepreneurs get started, while still being small enough that those resources are interconnected to support businesses as they grow. Unique to Central Oregon, given its size, are the numerous community resources and assets that are available. A few of these assets managed by EDCO include monthly Central Oregon PubTalks, the Stable of Experts, plus the largest angel conference in the West, the Bend Venture Conference.

METROPOLITAN AREAS WHERE FIRST FINANCINGS ARE RISING National Rank

% Change (Annualized) 2013-2017

National Rank

% Change (Annualized) 2009-2014

Des Moines - West Des Moines

1

7.7%

No Rank

0.0%

Lexington-Fayette, KY

1

7.7%

23

7.5%

Boulder, CO

3

5.4%

No Rank

0.0%

Bend-Redmond, OR

4

5.3%

3

31.6%

7.5%

4.7%

18

12.3%

Area

Columbus, OH

Source: Startupsusa.org, April 2018. (April 1, 2010 to July 1, 2017) While the general trend shows that the total amount of startup funding is down across the country, this is not the case in Central Oregon, according to the Center for American Entrepreneurship. Deschutes County placed #4 among all U.S. metros for growth in first financings of startups from 2013-14 to 2016-17. edcoinfo.com -

WORKFORCE

#2 FASTEST JOB GROWTH IN THE U.S. - BLS, 2017

AVERAGE ANNUAL MANUFACTURING EMPLOYMENT GROWTH (2013-2017) U.S.

4%

Oregon

8%

Bend - Redmond, OR MSA

29%

Source: State of Oregon Employment Department, 2018

Private sector employment growth in the region was 26% higher than Oregon’s average over the last 10 years, and is projected to grow by 18% through 2024. - Business Oregon’s Regional Competitive Industry Analysis, 2016

Workforce Development Youth Career Connect: Linking Students, Employers, and Educators Through our 400+ one-on-one meetings with businesses each year, we could see several years ago that progress was needed to better prepare our emerging workforce. Today, educators, businesses, chambers, workforce leaders, economic development organizations, and other non-profits have formed the blueprint for a robust, region-wide internship program called Youth Career Connect.

Photo Credit: Joshua Langlais

The premise: expose high school, college, and university students to meaningful work opportunities and good things will happen. Good things are happening – more than 110 students in the first year were placed in internships by coordinators across the tri-county region. The goal: lead the nation in engaging students with meaningful work experiences. We’re just getting started, but the collective progress and how it’s changing the perceptions of both students and employers is already remarkable. edcoinfo.com -

DELIVERING WHAT IS EXPECTED

DESCHUTES COUNTY

#1

COUNTY RECEIVING MOST INVESTMENT IN OREGON -SMARTASSET, 2018

“Bend enjoys a truly collaborative environment.

Everyone is not only supportive of each other, but excited to see one another grow. We share the same trails, rivers, and slopes and ultimately share a similar vision to help Bend succeed.”

Scott Allan GM, Hydro Flask

The combination of a collaborative culture, a supportive attitude among government and economic development agencies, and a location that attracts talent and investment all help Central Oregon compete.

INCOMING INVESTMENT BY COUNTY IN OREGON New Building Federal GDP Growth Permits Funding (millions) (per 1,000 homes) (per capita)

Incoming Investment Index

Rank

County

Business Growth

1

Deschutes

11.1%

$1,181

26.5

$333

63.28

2

Multnomah

6.1%

$4,816

15.0

$898

48.53

3

Washington

5.9%

$2,728

14.8

$404

46.22

4

Clackamas

5.1%

$2,081

15.0

$646

45.23

9

Crook

3.7%

$90

10.5

$389

36.95

16

Jefferson

3.1%

$66

5.7

$198

30.57

Oregon Totals

1.7%

$613

6.9

$342

Source: SmartAsset, 2018

- Economic Development for Central Oregon

TRANSPORTATION Average Commute Times

AIR

32.4 min

30.4 min

30 min

25.9 min

25.6 min

25.1 min

20 min

15.7 min

10 min

Redmond Municipal Airport (RDM; www.flyrdm.com) provides commercial air service with 25 daily round-trip flights to Denver, Los Angeles, Phoenix, Portland, Salt Lake City, San Francisco, and Seattle via four carriers (Alaska,

0 min

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Sa

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The Central Oregon average commute time is

21 minutes each way, saving the average worker over 1 work week per year!

American, Delta and United).

Travel Time & Distance by Car

RAIL

BEND, OR PORTLAND, OR

153 miles 3 hours, 13 minutes

OLYMPIA, WA

Burlington Northern-Santa Fe (BNSF), Union Pacific (UPRR) and the City of Prineville Railway (COPR) provide direct connections for shipping to any market in the United

269 miles 4 hours, 55 minutes

SEATTLE, WA

328 miles 5 hours, 45 minutes

MEDFORD, OR

173 miles 3 hours, 22 minutes

BOISE, ID

317 miles 5 hours, 19 minutes

SAN FRANCISCO, CA

States, Canada, and Mexico.

491 miles 7 hours, 54 minutes

LOS ANGELES, CA

821 miles 12 hours, 39 minutes

FREIGHT

Travel Time By Air REDMOND, OR

RDM

PORTLAND, OR

40 min

SEATTLE, WA 1 hour

U.S. Highways 97 and 20 are two of the state’s major trucking routes, with access to major metro areas with connections to Interstate 5 (N-S) and Interstate 84 (E-W).

SALT LAKE CITY, UT 1 hour, 30 minutes

SAN FRANCISCO, CA 1 hour, 40 minutes

LOS ANGELES, CA

2 hours, 10 minutes

PHOENIX, AZ

DENVER, CO

2 hour, 15 minutes

2 hours, 25 minutes

edcoinfo.com -

SERVICES & INFRASTRUCTURE

UTILITIES Because most of our region has been built new in the past two decades, our telecommunications infrastructure is one of the Northwest’s most technologically advanced, meeting business and telecommuting requirements for capacity, redundancy, and reliability.

EDUCATION Central Oregon is well-recognized for its high level of education, with some of the best K-12 public schools in the nation. In 2017, the Bend-La Pine school district’s average SAT scores surpassed the national average by over 100 points. Additionally, our higher education opportunities abound. From Oregon State University-Cascades recent expansion, to Central Oregon Community College’s four campuses in the region, there are opportunities for all to obtain a quality education.

HEALTHCARE Top quality healthcare is one of Central Oregon’s crown jewels. St. Charles Health System is the largest healthcare provider in the region, and is also the largest employer with over 4,100 employees across the tri-county area. A network of more than 100 clinics and specialty practices further support the community.

- Economic Development for Central Oregon

Rank 2018 2017

TOP EMPLOYERS CENTRAL OREGON RANKED IN THE NATION FOR GDP GROWTH AT

#1

8.1%

- Bureau of Economic Analysis, 2016

2017 Central Oregon Industry Composition Trade, Transportation, & Utilities

19%

Leisure and Hospitality

15%

Education & Health Services

15% 14%

Total All Government Professional & Business Services

11% 8%

Manufacturing

7%

Construction Financial Activities

4%

Other Services

4%

Information Natural Resources & Mining

2018 Central Oregon Largest 50 Private Employers

2% 1%

According to the Oregon Employment Department, 78% of Oregon establishments have nine or fewer employees and the average private establishment employs 11 people.

Still, a number of large employers operate successfully here, tapping into Central Oregon’s ever-expanding workforce, the overall low cost of doing business, and business-friendly local governments. This year, the top 50 private companies collectively employ more than 21,000 Central Oregonians, or roughly 19% of the region’s current total employment.

1 2 3 4 5 6 7 8 9 10 T-11 T-11 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 T-28 T-28 30 31 32 33 T-34 T-34 36 37 T-38 T-38 40 41 42 43 44 45 46 47 48 T-49 T-49

1 3 5 4 2 6 8 7 12 9 13 T-16 14 15 T-16 19 20 21 22 NL 10 25 23 47 27 29 30 31 NL 42 NL 32 33 35 T-38 34 T-36 T-36 NL T-38 26 40 43 44 41 NL NL NL T-45 T-45

Employees 2018

2017

St. Charles Health System 4,183 4,437 1,100 1,000 Sunriver Resort Bright Wood Corporation 986 915 Les Schwab 926 926 878 1,013 Safeway - Regional 840 770 Mt. Bachelor 628 652 Fred Meyer - Regional 615 748 McDonald’s - Regional 540 540 IBEX 538 634 Summit Medical Group Consumer Cellular 440 500 PCC Schlosser 450 396 381 413 Opportunity Foundation 375 400 JELD-WEN Windows and Doors 361 396 Bend Research (Lonza) 360 352 Black Butte Ranch 340 341 Deschutes Brewery 339 310 Costco Mosaic Medical 303 304 Eagle Crest 300 NC 281 628 Walmart 280 280 BendBroadband / TDS Telecom 275 300 Brasada Ranch 261 142 U.S. Bank 258 260 G5 Bi-Mart - Regional 254 252 252 243 The Center (Ortho/Neuro) 250 229 Contact Industries 250 120 Kah Nee Ta Resort Navis 237 171 236 10 Barrel Brewing NC 230 226 Epic Air 223 223 PacificSource Albertson’s 220 209 220 195 Riverhouse on the Deschutes 210 210 Keith Manufacturing Co. 201 200 Facebook Athletic Club of Bend 200 200 NC 200 Tetherow Touchmark at Mt. Bachelor Village 196 195 191 264 First Interstate Bank 190 187 Neighbor Impact Medline ReNewal 182 165 181 161 Ray’s Food Place 180 185 Indian Head Casino J Bar J Youth Services NC 174 NC 162 Sunriver Owners Association 157 High Lakes Health Care 96 Sunriver Brewing Company 150 100 150 150 Target - Regional

NL = Not Listed NC = Not Counted T = Tied

edcoinfo.com -

FOUNDATIONS OF CENTRAL OREGON’S ECONOMY

BREW (Craft Brewing, Distilling, and Fermentation) •

Central Oregon is home to breweries, both big and small, with Deschutes Brewery topping the list, brewing over 370,000 barrels in 2016.

•

30 breweries, 4 cideries, and 13 distilleries in the region

•

Bend has more breweries per capita than Portland, Oregon

•

With nearly 77,000 visitors a week and 3.3 million visitors a year, it’s safe to say this is a region that really knows (and loves) its craft beer.

- Brewers Association, 2017, Oregon Brewers Guild, 2017, Forbes, 2016

#1 BEST CRAFT

#2 LARGEST HOP

-MATADOR NETWORK, 2016

-OREGON BREWERS GUILD, 2017

BEER TOWNS IN AMERICA

GROWING STATE 2016

TOP 10

UNIQUE DESTINATIONS FOR CRAFT SPIRITS -TRAVELOCITY, 2017

BIO (Pharmacuetical, Research and Manufacturing, Medical Devices, and Bioscience Software) Producing everything from titanium implants to cutting edge research in new drug treatments, our bioscience industry has been experiencing double-digit year-over-year employment growth for the past several years. Quietly, Central Oregon’s bioscience industry has grown to more than 35 companies employing 1,300 people. The region’s lifestyle has proven capable of attracting world-class talent that purposely moves here and stays.

- Economic Development for Central Oregon

REC (Outdoor Gear & Apparel) •

Central Oregon is home to a diverse array of outdoor recreation companies, with some of the best-known names in the industry calling the region home.

•

100+ outdoor industry businesses

•

Home to the Oregon Outdoor Alliance (OOA), dedicated to connecting & cultivating Oregon’s outdoor industry

•

The country’s first dedicated startup incubator for the outdoor industry, Bend Outdoor Worx

•

Home to Bend Outdoor Worx BreakOut, the only funding event in the U.S. focused solely on outdoor product companies

•

The country’s only four year degree for outdoor product development

•

Oregon is the fourth state in the U.S. to set up an office devoted to outdoor recreation

BEST

MULTI-SPORT TOWN IN THE U.S. - OUTSIDE MAGAZINE, 2017

TECH (Software, Electronics, IT & Data Centers and Renewable/Alternative Energy) •

Including software companies, electronics manufacturers, alternative/energy services and more, the region is home to more than 130 tech companies

•

More than four dozen software companies now call the region home

•

“Bend hosts a growing tech sector, which should see the gains from the development of local talent through Oregon State University-Cascades.”

- The Milken Institute 2017 Best Small Cities

•

“Bend ranked #16 among U.S. metro areas for high-tech startup density.”

- The Kauffman Foundation

#2

NUMBER OF HIGHTECH INDUSTRIES -MILKEN INSTITUTE, 2017

edcoinfo.com -

FOUNDATIONS OF CENTRAL OREGON’S ECONOMY

Aviation/Aerospace (Aircraft and related components) The production of light aircraft in Central Oregon spans back more than 30 years and over that time, 25 aircraft have moved through the process of design on paper to flight – many in scaled production. And along with these aircraft many suppliers of specialized equipment have followed.

Our region’s “special sauce” in the industry? Composite (carbon fiber) fabrication and innovation that make our original equipment manufacturers and supply chain companies unique on a national and even global scale. But it’s not all just manufacturing. We have some of the most successful flight training programs in the country with both fixed wing and helicopter flight schools serving the global industry.

Building Products (Windows, Doors, Moldings, and Specialty Products) For much of the region’s economic history, wood products manufacturing was the dominant industry employing Central Oregonians and forming the foundation for other business activity. While we’ve diversified dramatically over the past three decades, the manufacturing of products used in residential and commercial construction still plays a very important role for the tri-county economy. Competing on a global scale, businesses in this industry have innovated and automated their way to becoming leaders in their respective sub-industries.

The region, like Oregon in general, is salted with many specialty wood products companies including cabinet manufacturing, custom furniture, and even our own cluster of musical instrument businesses.

- Economic Development for Central Oregon

LIFESTYLE Central Oregon is blessed with a rare mix of city amenities and restful isolation.

It offers the slower speed of a small town with a medical community and infrastructure not normally seen in a region of its size. Additionally, Central Oregon residents maintain a work/life balance that is difficult to achieve elsewhere.

#1 SMALL CITIES

BEST

PLACES TO LIVE ON

$55,000

FOR BUSINESS AND CAREERS

#1

BEST PERFORMING SMALL CITY IN THE U.S. -MILKEN INSTITUTE, 2016 & 2017

-FORBES, 2016

#8 15 BEST

-SMARTASSET, 2017

#14 WORLD’S BEST

BEST

MULTI-SPORT TOWN

PLACES TO LIVE IN THE U.S.

SKI TOWNS

-NEW YORK POST, 2016

-NATIONAL GEOGRAPHIC, 2017

-OUTDOOR MAGAZINE, 2017

30 Golf Courses

Miles and miles of trails

- Economic Development for Central Oregon

Thriving Arts & Culture Scene

30 Breweries & counting

300 Days of Sunshine

BUYING A HOME IN CENTRAL OREGON

BENEFITS OF USING A P R O F E S S I O N A L R E A LT O R ® Congratulations on your decision to buy a home! It’s a challenging project, and there are many ways a professional can help. Here are some of the many ways you may benefit from working with a REALTOR®: IT WON’T COST YOU A PENNY!

IT’S A MAJOR INVESTMENT.

The REALTOR® who helps you buy a home is traditionally paid by the seller.

You use a professional for your legal, financial and health needs.

Why gamble on what may be your biggest investment without a professional at your side?

MANY MORE HOME CHOICES.

HELP WITH FSBO’S.

Your REALTOR® has thousands of homes to choose from through the Multiple Listing Service (MLS), so you’re more likely to find the home that’s just right for you and find it quicker. In fact, a majority of the homes for sale are listed by REALTORS® and aren’t available to you unless you are working with a REALTOR.®

LESS LIABILITY.

A NUMBER OF TRANSACTIONS “FALL OUT.”

You may have more protection from legal and financial liability, especially as real estate transactions become more complicated.

Unfortunately, it’s true. Some transactions fall apart before closing.

An experienced REALTOR® may be able to resolve problems and see your transaction through to a successful closing.

THE PAPERWORK.

KNOWLEDGE OF NEW HOME SUBDIVISIONS. New home subdivisions will welcome you and your REALTOR.® If you’re interested in buying a new home, take your agent with you on your first visit to each subdivision. Your professional REALTOR® is an important source of information who can supply background on the builder, nearby subdivisions, and the local community.

If you consider a “For Sale By Owner,” take your REALTOR® along to help negotiate the contract.

Your experienced REALTOR® will negotiate and prepare the purchase contract for you and assist you throughout the escrow process. If buyer’s loan documents are satisfactory, the lender will send the check directly to the escrow holder. When the loan funds are received, the escrow holder will verify that all necessary funds are in. Escrow funds will be disbursed to the seller and other appropriate payees. Then, you’ll receive the keys to your home!

THE BASICS | BUYER

VOCABULARY AGENCY & AGENCY RELATIONSHIPS The term “agency” is used in real estate to help determine what legal responsibilities your real estate professional owes to you and other parties in the transaction.

The buyer’s representative (also known as a buyer’s agent) is hired by prospective buyers and works in the buyer’s best interest throughout the transaction. The buyer can pay the agent directly through a negotiated fee, or the buyer’s rep may be paid by the seller or through a commission split with the seller’s agent.

The seller’s representative (also known as a listing agent or seller’s agent) is hired by and represents the seller. All fiduciary duties are owed to the seller, meaning this person’s job is to get the best price and terms for the seller. The agency relationship usually is created by a signed listing contract.

A subagent owes the same fiduciary duties to the agent’s customer as the agent does. Subagency usually arises when a cooperating sales associate from another brokerage, who is not the buyer’s agent, shows property to a buyer. The subagent works with the buyer to show the property but owes fiduciary duties to the listing broker and the seller.

Although a subagent cannot assist the buyer in any way that would be detrimental to the seller, a buyer customer can expect to be treated honestly by the subagent.

A disclosed dual agent represents both the buyer and the seller in the same real estate transaction. In such relationships, dual agents owe limited fiduciary duties to both buyer and seller clients. Because of the potential for conflicts of interest in a dual-agency relationship, all parties must give their informed consent. Disclosed dual agency is legal in most states, but often requires written consent from all parties.

Designated agents (also called appointed agents) are chosen by a managing broker to act as an exclusive agent of the seller or buyer. This allows the brokerage to avoid problems arising from dual-agency relationships for licensees at the brokerage. The designated agents give their clients full representation, with all of the attendant fiduciary duties.

A transaction broker (sometimes referred to as a facilitator) is permitted in states where nonagency relationships are allowed. These relationships vary considerably from state to state. Generally, the duties owed to the consumer in a nonagency relationship are less than the complete, traditional fiduciary duties of an agency relationship.

HOW TO

PREPARE TO BUY A HOME TALK TO MORTGAGE BROKERS. Many first-time home buyers don’t take the time to get prequalified. They also often don’t take the time to shop around to find the best mortgage for their particular situation. It’s important to ask plenty of questions and make sure you understand the home loan process completely.

BE READY TO MOVE. This is especially true in markets with a low inventory of homes for sale. It’s very common for home buyers to miss out on the first home they wish to purchase because they don’t act quickly enough. By the time they’ve made their decision, they may find that someone else has already purchased the house.

FIND A TRUSTED PARTNER. It’s absolutely vital that you find a real estate professional who understands your goals and who is ready and able to guide you through the home buying process.

MAKE A GOOD OFFER. Remember that your offer is very unlikely to be the only one on the table. Do what you can to ensure it’s appealing to a seller.

FACTOR MAINTENANCE AND REPAIR COSTS INTO YOUR BUYING BUDGET. Even brand-new homes will require some work. Don’t leave yourself short and let your home deteriorate.

THINK AHEAD. It’s easy to get wrapped up in your present needs, but you should also think about reselling the home before you buy. The average first-time buyer expects to stay in a home for around 10 years, according to the National Association of REALTORS®’ 2013 Profile of Home Buyers and Sellers.

DEVELOP YOUR HOME/NEIGHBORHOOD WISH LIST. Prioritize these items from most important to least.

SELECT WHERE YOU WANT TO LIVE. Compile a list of three or four neighborhoods you’d like to live in, taking into account nearby schools, recreational facilities, area expansion plans, and safety.

THE PROPERTY | BUYER

WORKSHEET

DEFINE YOUR DREAM HOME Write in your preferences and rate them: 3 = Vital, 2 = Very Important, 1 = Neutral, 0 = Not important LOCATION Neighborhood School district Near public transportation Near airport Near expressway Near shopping Great views

TYPE Single-family / condo / townhome Minimum / maximum property age Willingness to renovate Architectural style Open floor plan

SIZE & MAKEUP Minimum # of bedrooms Minimum # of bathrooms Eat-in kitchen Family room Formal dining room Formal living room Garage (number of cars) Outdoor space (size/use) Laundry room

AMENITIES Wood floors / carpeting Heating / cooling system types Fireplace Pool Other special needs/preferences:

PREFERENCES

RATE

LIFE OF AN ESCROW The Buyer

The Seller

The Escrow Officer

The Lender

Chooses a real estate agent.

Chooses a real estate agent.

Gets pre-approval letter from lender and provides to real estate agent.

Accepts buyer’s offer to purchase.

Upon receipt of order and earnest money deposit, orders title examination.

Accepts buyer’s application and begins the qualification process. Provides buyer with Loan Estimate.

Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.

Finalizes loan application with lender. Receives a Loan Estimate from lender.

Completes and returns opening package from Title.

Schedules inspections and evaluates findings. Reviews title commitment/preliminary report.

Provides all requested paperwork to lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.

Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.

Orders any work for inspections and/or repairs to be done as required by the purchase agreement.

Escrow officer or real estate agent contacts the seller to schedule signing appointment.

Documents are recorded and all proceeds from sale are received.

Requests necessary information from buyer and seller via opening packages.

Reviews title commitment/ preliminary report.

Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/preliminary report.

All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation.

Coordinates with lender on the preparation of the CD. Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.

Lender (or escrow officer) prepares CD and delivers to buyer at least 3 days prior to loan consummation.

Schedules signing appointment and informs buyer of funds due at settlement.

Escrow officer or real estate agent contacts the buyer to schedule signing appointment.

Once loan is consummated, sends funding package to lender for review.

Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer.

Prepares recording instructions and submits docs for recording.

Documents are recorded and the keys are delivered!

Practices vary by state and are subject to local laws and customs.

Documents are recorded and funds are disbursed. Issues final settlement statement.

Orders and reviews title commitment/preliminary report, property appraisal, credit report, employment and funds verification.

Collects information such as title commitment/preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan approval.

Underwriting reviews loan package for approval.

Coordinates with escrow officer on the preparation of the Closing Disclosure, which is delivered to buyer at least 3 days prior to loan consummation.

Delivers loan documents to escrow.

Upon review of signed loan documents, authorizes loan funding.

What You May Need For The Loan Application

OBTAINING A NEW LOAN WHEN AND WHERE TO APPLY FOR A LOAN? There are many sources for home loans including banks, credit unions, mortgage companies, and mortgage brokers. Your REALTOR® may give you several names of lenders who have proven reliable in their previous transactions. Apply for your loan as soon as possible. In fact, it’s probably a good idea to know what you can afford before you begin looking for your new home. It can give you more bargaining power when negotiating with a seller, especially in today’s market.

YOUR LENDER WILL MAIL OUT VERIFICATION REQUESTS and order an appraisal on the property you are buying. If your lender asks for additional items, please comply promptly with those requests to avoid delaying loan approval.

WHAT IS HAZARD (OR FIRE) INSURANCE? Hazard insurance covers the dwelling itself and is required by the lender to protect their “risk” in your home. Your lender will explain the necessary hazard insurance coverage to you. If you are buying a condominium, a master policy already exists which includes your unit—but it does not cover your personal belongings.

CONTACT YOUR INSURANCE AGENT EARLY IN THE PROCESS. This coverage must be provided before the closing paperwork is prepared.

Hazard insurance is one of the items frequently postponed until the last minute, and this can result in delaying the closing for a day or more. Order your insurance as soon as your loan is approved; then furnish your escrow officer and lender with the agent’s name and phone number.

When you talk with your insurance agent, be sure to ask about additional coverage in a homeowner’s policy to insure your personal belongings and to protect against liability for such events as injuries to visitors.

WHAT HAPPENS BEFORE CLOSING? Once the lender and escrow officer have received all invoices and preliminary paperwork, the Closing Disclosure (CD) is prepared. The CD will be delivered to you no later than 3 business days* prior to loan consummation (signing), per federal regulations. The CD is intended to disclose costs associated with your loan. In addition to the CD, your escrow officer will prepare an estimated settlement statement. This statement indicates what funds go where, and at this time your escrow officer can tell you how much money you need to bring to the closing appointment. Be aware that this amount may be higher or lower than previously estimated due to changes in such items as prepaid interest, prorated fees, courier fees, and impound accounts. *For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.

Be prepared to provide some or all of these items to your loan officer. › Addresses of residences for last two years › S ocial Security Number or taxpayer I.D. number › Driver’s license or other valid I.D. › N ames and addresses of employers for last two years wo recent pay stubs showing › T year-to-date earnings › Federal tax returns for last two years › W-2s for last two years › L ast two months statements for all checking and savings accounts › L oans: names, addresses, account numbers, and payment amounts on all loans › R eal estate loans: names, addresses, account numbers, and payment amounts on all loans for other real estate you own › C redit cards: names, addresses, account numbers, and payment amounts on all credit cards › A ddresses and values of other real estate owned › V alue of personal property. Your best estimate of the value of all your personal property (autos, boats, furniture, jewelry, television, stereo, computer, other electronics, etc.) or a VA loan, Certificate of Eligibility or › F DD214s › Divorce decree if applicable › Funds to pay upfront for the credit report

TYPES OF LOANS ADJUSTABLE RATE LOAN. Adjustable or variable rate refers to the fluctuating interest rate you’ll pay over the life of the loan. The rate is adjusted periodically to coincide with changes in the index on which the rate is based.

The minimum and maximum amounts of adjustment, as well as the frequency of adjustment are specified in the loan terms. An adjustable rate mortgage may allow you to qualify for a higher loan amount but maximums, caps and time frames should be considered before deciding on this type of loan.

ASSUMABLE LOAN. A true assumable loan is rare today! This loan used to enable a buyer to pay the seller for the equity in the home and take over the payments without meeting any requirements. Assumables these days generally require standard income, credit and funds verification by the lender before the loan can be transferred to the buyer.

COMMUNITY HOMEBUYER’S PROGRAM. This program is designed to assist first-time buyers by offering a fixed rate and a low down payment, such as 3 to 5% down. The program doesn’t require cash reserves, and qualifying ratios are more lenient; however, the buyer’s income must fall within a certain range and a training course may be necessary if required by the program. Ask your Loan Officer if this program is available in your community and whether or not you might qualify.

The Loan Process What to Avoid

CONVENTIONAL LOAN. This simply describes a loan that is not

Do not change jobs. A job change may result in your loan being denied, particularly if you are taking a lower paying position or moving into a different field. Don’t think you’re safe because you’ve received approval earlier in the process, as the lender typically calls your employer to re-verify your employment just prior to funding the loan.

obtained under any government-insured program, secured by investors. It could be a fixed rate or adjustable.

FHA LOAN. This program is beneficial for buyers who don’t have large down payments. The loan is insured by the Federal Housing Administration under Housing and Urban Development (HUD) and offers easier qualifying with less cash needed upfront but the condition of the property is strictly regulated.

The seller will pay a portion of the closing costs that would typically be paid by the buyer in a conventional loan program.

FIXED RATE LOAN. This loan has one interest rate that is constant throughout the loan.

VA LOAN. People who have served in the U.S. armed forces can apply for a VA loan which covers up to 100% of the purchase price and requires little or no down payment.

Don’t pay off existing accounts unless the lender requests it. If your loan officer advises you to pay off certain bills in order to quality for the loan, follow that advice. Otherwise, leave your accounts as they are until your escrow closes.

Avoid switching banks or moving your money to another Institution. After the lender has verified your funds at one or more institutions, the money should remain there until needed for the purchase.

Don’t make any large purchases. A major purchase that requires a withdrawal from your verified funds or increases your debt can result in your not qualifying for the loan. A lender may check your credit or re-verify funds at the last minute, so avoid purchases that could impact your loan approval.

THE BASICS | BUYER

QUESTIONS TO ASK

WHEN CHOOSING A LENDER Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about.

GENERAL QUESTIONS: •

What are the most popular mortgages you offer? Why are they so popular?

•

Are your rates, terms, fees, and closing costs negotiable?

•

Do you offer discounts for inspections, home ownership classes, or automatic payment set-up?

•

Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required?

•

What escrow requirements do you have?

•

What kind of bill-pay options do you offer?

LOAN-SPECIFIC QUESTIONS: •

What would be included in my mortgage payment (homeowners insurance, property taxes, etc.)?

•

Which type of mortgage plan would you recommend for my situation?

•

Who will service this loan—your bank or another company?

•

How long will the rate on this loan be in a lock-in period? Will I be able to obtain a lower rate if the market rate drops during this period?

•

How long will the loan approval process take?

•

How long will it take to close the loan?

•

Are there any charges or penalties for prepaying this loan?

•

How much will I be paying total over the life of this loan?

rent vs.buy WHY PAY RENT WHEN YOU COULD BUILD EQUITY IN A HOME.

Have you ever considered how much you pay in rent over an extended period of time? It is probably a lot more than you realize. The amount you spend for rent each month could be applied to a mortgage, not only building equity in your own property, but, in most cases, substantially reducing the Federal and State income taxes you pay each year. And what happens to your rent money? It’s gone! There’s no interest, no equity, no return.

To determine your home-buying ability, call your real estate agent or lender. The consultation is free-no strings attached-so make the call today!

MO N THLY P AYMEN T

AFTER 1 YE AR

AFTER 3 Y EAR S

AFTER 5 YE A RS

A F T E R 10 YE A RS

A F T E R 15 YE A RS

YO U R R ET U R N

$400

$4,800

$14,400

$24,000

$48,000

$72,000

$0

$500

$6,000

$18,000

$30,000

$60,000

$90,000

$0

$600

$7,200

$21,600

$36,000

$72,000

$108,000

$0

$700

$8,400

$25,200

$42,000

$84,000

$126,000

$0

$800

$9,600

$28,800

$48,000

$96,000

$144,000

$0

$900

$10,800

$32,400

$54,000

$108,000

$162,000

$0

$1,000

$12,000

$36,000

$60,000

$120,000

$180,000

$0

$1,100

$13,200

$39,600

$66,000

$132,000

$198,000

$0

$1,200

$14,400

$43,200

$72,000

$144,000

$216,000

$0

$1,300

$15,600

$46,800

$78,000

$156,000

$234,000

$0

$1,400

$16,800

$50,400

$84,000

$168,000

$252,000

$0

$1,500

$18,000

$54,000

$90,000

$180,000

$270,000

$0

$1,750

$21,000

$63,000

$105,000

$210,000

$315,000

$0

$2,000

$24,000

$72,000

$120,000

$240,000

$360,000

$0

$2,500

$30,000

$90,000

$150,000

$300,000

$450,000

$0

NOTES

________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________

SAMPLE MORTGAGE PAYMENT 30-YEAR LOAN / PRINCIPAL & INTEREST ONLY IN TEREST RATE LOAN AMOUN T

3.50%

3.75%

4%

4.25%

4.50%

4.75%

5%

5.25%

$100,000

449

463

477

492

507

522

537

552

$200,000

898

926

955

984

1,013

1,043

1,074

1,104

$300,000

1,347

1,389

1,432

1,476

1,520

1,565

1,610

1,657

$400,000

1,796

1,852

1,910

1,968

2,027

2,087

2,147

2,209

$500,000

2,245

2,316

2,387

2,460

2,533

2,608

2,684

2,761

$600,000

2,694

2,779

2,864

2,952

3,040

3,130

3,221

3,313

$700,000

3,143

3,242

3,342

3,444

3,547

3,652

3,758

3,865

$800,000

3,592

3,705

3,819

3,936

4,053

4,173

4,295

4,418

$900,000

4,041

4,168

4,297

4,427

4,560

4,695

4,831

4,970

$1,000,000

4,490

4,631

4,774

4,919

5,067

5,216

5,368

5,522

HOW MUCH

HOME

CAN YOU AFFORD?

THIS FORMULA IS ONLY A GUIDE AND NOT TO BE CONSTRUED AS ACTUAL LENDING CALCULATIONS. Contact your loan officer to determine more accurately what price range you should consider. Lenders abide by certain ratios when calculating the loan amount their customers can qualify for and the ratios vary by lender and loan program. Many use 28% of your gross monthly income as the maximum allowed for your mortgage payment (principal/ interest/taxes/insurance or PITI); for your total monthly debt, the ratio is 36%. Total monthly expenses means PITI plus long-term debt (such as auto loans) and revolving/credit-card debt. Do not include other expenses such as groceries, utilities, clothing, tuition, etc., to calculate this ratio.

THE PROPERTY | BUYER

QUESTIONS TO ASK

WHEN CHOOSING A HOME INSPECTOR DO YOU BELONG TO A PROFESSIONAL ASSOCIATION? There are many associations for home inspectors, but some groups confer questionable credentials or certifications in return for nothing more than a fee. Make sure the association your home inspector names is a reputable, nonprofit trade organization.

WILL YOUR REPORT MEET ALL STATE REQUIREMENTS? Also, make sure the organization complies with a well-recognized standard of practice and code of ethics, such as those adopted by the American Society of Home Inspectors or the National Association of Home Inspectors.

HOW EXPERIENCED ARE YOU? Ask inspectors how long they’ve been working in the field and how many inspections they’ve completed.

Also ask for customer referrals. New inspectors may be highly qualified, but they should describe their training and indicate whether they work with a more experienced partner.

HOW DO YOU KEEP YOUR EXPERTISE UP TO DATE? Inspectors’ commitment to continuing training is a good measure of their professionalism and service.

Advanced knowledge is especially important with older homes or those with unique elements requiring additional or updated training.

DO YOU FOCUS ON RESIDENTIAL INSPECTION? Home inspection is very different from inspecting commercial buildings or a construction site. Ask whether the inspector has experience with your type of property or feature. The inspector should be able to provide sample inspection reports for a similar property. If they recommend further evaluation from outside contractors on multiple issues, it may indicate they’re not comfortable with their own knowledge level.

DO YOU OFFER TO DO REPAIRS OR IMPROVEMENTS? Some state laws and trade associations allow the inspector to provide repair work on problems uncovered during the inspection. However, other states and associations forbid it as a conflict of interest.

HOW LONG WILL THE INSPECTION TAKE? On average, an inspector working alone inspects a typical single-family house in two to three hours; anything less may not be thorough.

HOW MUCH? Costs range from $300 to $500 but can vary dramatically depending on your region, the size and age of the house, and the scope of services. Be wary of deals that seem too good to be true.

WILL I BE ABLE TO ATTEND THE INSPECTION? The answer should be yes. A home inspection is a valuable educational opportunity for the buyer and a refusal should raise a red flag.

WHAT TO KNOW

ABOUT THE HOME INSPECTION Some items should always be examined.

STRUCTURE The home’s “skeleton” should be able to stand up to weather, gravity, and the earth that surrounds it.

Structural components include items such as the foundation and the framing.

EXTERIOR The inspector should look at sidewalks, driveways, steps, windows, doors, siding, trim, and surface drainage. They should also examine any attached porches, decks, and balconies.

ROOFING A good inspector will provide very important information about your roof, including its age, roof draining systems, buckled shingles, and loose gutters and downspouts. They should also inform you of the condition of any skylights and chimneys as well as the potential for pooling water.

PLUMBING They should thoroughly examine the water supply and drainage systems, water heating equipment, and fuel storage systems. Drainage pumps and sump pumps also fall under this category. Poor water pressure, banging pipes, rust spots, or corrosion can indicate larger problems.

ELECTRICAL You should be informed of the condition of service entrance wires, service panels, breakers and fuses, and disconnects. Also take note of the number of outlets in each room.

HEATING AND AIR CONDITIONING The home’s vents, flues, and chimneys should be inspected. The inspector should be able to tell you the water heater’s age, its energy rating, and whether the size is adequate for the house. They should also describe and inspect all the central air and through-wall cooling equipment.

INTERIORS Your inspector should take a close look at walls, ceilings and floors; steps, stairways, and railings; countertops and cabinets; and garage systems.

These areas can reveal leaks, insect damage, rot, construction defects, and more.

VENTILATION/INSULATION Inspectors should check for adequate insulation and ventilation in the attic and in unfinished areas such as crawl spaces. Insulation should be appropriate for the climate. Without proper ventilation, excess moisture can lead to mold and water damage.

FIREPLACES They’re charming, but fireplaces can be dangerous if they’re not properly installed. Inspectors should examine the vent and flue, and describe solid fuelburning appliances.

THE BASICS | BUYER

WHAT TO KNOW

ABOUT HOME HAZARDS RADON A colorless, odorless gas that can seep into your home from the ground, radon is often referred to as the second most common cause of lung cancer behind smoking.

What to look for: Basements or any area with protrusions into the ground offer entry points for radon. The Environmental Protection Agency publishes a map of high-prevalence areas. A radon test can determine if high levels are present.

ASBESTOS A fibrous material once popular as fire-resistant insulation, asbestos was banned in 1985. However, it’s often found in the building materials, floor tiles, roof coverings, and siding of older. If disturbed or damaged, it can enter the air and cause severe illness.

What to look for: Homes built prior to 1985 are at risk of having asbestos in their construction materials.

Home owners should be careful when remodeling because disturbing insulation and other materials may cause the asbestos to become airborne.

LEAD This toxic metal used in home products for decades can contribute to several health problems, especially among children. Exposure can occur from deteriorating lead-based paint, pipes, or leadcontaminated dust or soil.

What to look for: Homes built prior to 1978 may have lead present. Look for peeling paint and check old pipes. To get a HUD-insured loan, buyers must show a certificate that their older home is lead-safe.

OTHER HAZARDOUS PRODUCTS Stockpiles of hazardous household items — such as paint solvents, pesticides, fertilizers, or motor oils — can create a dangerous situation if not properly stored. They can easily spark fires and can cause illness or even death if ingested, even in small amounts.

What to look for: Check all the corners, crawl spaces, garages, or garden sheds in the home. If these products are found, make sure you ask for their removal and get a disposal certificate prior to closing.

GROUNDWATER CONTAMINATION When hazardous chemicals are disposed of improperly, they can seep through the soil and enter water supplies. A leaking underground oil tank or septic system can contribute to this.

What to look for: Homes near light industrial areas or facilities may be at risk, as are areas once used for industry that are now residential.

THE BASICS | BUYER

WHAT TO KNOW

ABOUT THE APPRAISAL PROCESS Once you are under contract, your lender will send out an appraiser to make sure the purchase price is in line with the property’s value.

APPRAISALS HELP GUIDE MORTGAGE TERMS. The appraised value of a home is an important factor in the loan underwriting process. Although lenders may use the sale price to determine the amount of the mortgage they will offer, they generally only do so when the property is sold for less than the appraisal amount. Also, the loan-to-value ratio is based on the appraised value and helps lenders figure out how much money may be borrowed to purchase the property and under what terms. If the LTV is high, the lender is more likely to require the borrower to purchase private mortgage insurance.

APPRAISED VALUE IS NOT A CONCRETE NUMBER. Appraisals provide a professional opinion of value, but they aren’t an exact science. Appraisals may differ quite a bit depending on when they’re done and who’s doing them. Also, changes in market conditions can dramatically alter appraised value.

APPRAISED VALUE DOESN’T REPRESENT THE WHOLE PICTURE OF HOME PRICES. There are special considerations that appraised value doesn’t take into account, such as the need to sell rapidly.

APPRAISERS USE DATA FROM THE RECENT PAST. Appraisals are often considered somewhat backward looking, because they use sold data from comparable properties (often nicknamed “comps”) to help come up with a reasonable price.

THERE ARE USES FOR APPRAISED VALUE OUTSIDE OF THE PURCHASE PROCESS. For buying purposes, appraisals are usually used to determine market value or factor into the pricing equation. But other appraisals are used to determine insurance value, replacement value, and assessed value for property tax purposes.

THE ESCROW & TITLE INSURANCE PROCESS WHAT IS AN ESCROW?

BASIC STEPS OF AN ESCROW

An escrow is a depository for all monies, instructions and documents necessary for the purchase of your home.

As the Escrow Agent, First American Title impartially completes the following duties:

An escrow company is a neutral third party that holds legal documents and funds and distributes them according to the buyer and seller instructions found in your contract and lender’s instructions.

› S erves as a neutral third party and liaison among all parties involved.

In addition, the escrow company orders a preliminary title report which includes the legal description of the land and the ownership interest of the property based on a search of public records on a city, county, state and federal level.

A title insurance policy protects a real estate owner or lender against any loss or damage they might experience because of claims of ownership, improperly recorded documents, fraud, forgery, liens, and other items specified in the actual policy. Different levels of coverage are available and should be discussed with your escrow officer or real estate agent. Once a title policy is issued, if for some reason any claim which is covered under your policy is ever filed against your property, First American Title will pay the legal fees involved in defense of your rights, as well as any covered loss arising from a valid claim. This protection, which is in effect as long as you or your heirs own the property, is yours for a one-time premium.

For more information on title and escrow insurance, visit www.FirstAm.com/Deschutes

equests a preliminary title report to determine the status of › R the title to the property. › R equests a payoff demand from lenders when the seller is paying off debts. › Receives demands, termite and certain other inspections. › Verifies terms with buyers’ and sellers’ real estate professionals. › C oordinates with lender on preparation of the Closing Disclosure (CD). › Prepares Settlement Statement. › Prepares most remaining documents for closing. › P ro-rates taxes related to the property as required by the contract. › R eceives closing instructions, documents, buyer’s funds and reviews file to determine that all conditions have been met. › R eceives funds from buyer and verifies any checks deposited to escrow account. › Requests loan funds from buyer’s lender. › Records the deed and any other documents. › D isburses funds as authorized by the homeowners, including charges for title insurance, recording fees, real estate commissions and loan payoffs. › C auses the title insurance policy to be issued for buyer and lender if a lender has been used.

ESCROW QUESTIONS & ANSWERS HOW IS ESCROW OPENED? As soon as the buyer and seller execute the purchase agreement, the real estate agent(s) will open escrow. At that time, the buyer’s “Earnest Money” check will be deposited.

WHAT INFORMATION DO THE BUYER AND SELLER HAVE TO PROVIDE? The buyer must inform the escrow officer and new lender of the manner in which the buyer will hold title to their new house so that all documents can be prepared correctly. The manner in which the buyer holds title can have tax and legal consequences.

We suggest you consult your attorney or tax advisor to assist you in your decision.

WHAT HAPPENS AFTER THE BORROWER SUBMITS THE LOAN APPLICATION? The lender will issue a Loan Estimate and begin the qualification process including verification of information submitted on the application, a credit report, and appraisal of the value of the property.

The lender will require that the borrower obtain hazard/fire insurance and flood insurance, if the property is in a specific type of flood hazard zone.

It is also a requirement of the lender that the borrower furnish a policy of title insurance, which protects their security interest in the property. The escrow officer will order this title policy as part of the escrow process.

Once the loan is approved, the lender prepares the loan documents and forwards them to the escrow officer who will contact the buyer for an appointment to close. The lender and escrow officer will collaborate on the preparation of the Closing Disclosure which must be delivered to the buyer at least three business days* prior to loan consummation. The escrow officer will prepare an estimate and tell the buyer the balance of the down payment and closing costs needed to close the escrow.

WHAT DO THE PARTIES NEED TO BRING WITH THEM WHEN THEY COME TO THE TITLE COMPANY TO SIGN? › I dentification in the form of a valid driver’s license or I.D. card, or current valid passport. Identification is required so the signing party’s identity can be verified by the notary public. Lenders may also have additional identification requirements. › A cashier’s check for the balance of funds needed to close the escrow, made payable to First American Title. A wire transfer of funds directly to the escrow trust account can also be arranged and is also the preferred method of providing “good funds”.

WHEN IS “CLOSE OF ESCROW”?

The escrow officer will prepare the final Settlement Statement, which is a detailed accounting of all receipts and disbursements made through the escrow. Each party will review and approve the Settlement Statement and execute all documents for the transfer of the property.

When all the conditions of the lender and those contained in the escrow instructions have been satisfied, the lender will forward the loan funds to the escrow trust account. The funds in the escrow are disbursed to the entitled parties. The escrow officer will arrange for the documents to be recorded. Escrow is now “closed.”

*For purposes of the Closing Disclosure“business day” is defined as every day except Sundays and Federal legal holidays.

THE TRANSACTION | BUYER

WORKSHEET

TRACK CLOSING COSTS Be prepared and know who’s responsible for the variety of fees and expenses at the closing table.

BUYER COST

SELLER COST

OTHER

Down payment Loan origination Points paid to receive a lower interest rate Home inspection Appraisal Credit report Mortgage insurance premium Escrow for homeowner’s insurance (if paid as part of the mortgage*) Property tax escrow (if paid as part of the mortgage*) Deed recording Title insurance policy premiums Land survey Notary fees Home Warranty Proration** for your share of costs (such as utility bills and property taxes)

*Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you. ** Because such costs are usually paid on either a monthly or a yearly basis, you might have to pay a bill for services used by the sellers before they moved. Proration is a way to even out bills sellers may have paid in advance, or that you may later pay for services they used.

How Bend Ranks The Nation’s Dog-Friendliest Town

source:

#1 - Bend, Oregon The #1 Town for Sportsmen

http://www.oregonlive.com/pets/index.ssf/2012/07/bend_is_deemed_dogtown_usa_in.html

source:

#1 - Bend, Oregon One of the Nation’s Top 5 Equestrian Communities

source:

One of the Country’s Top 5 Ski Towns

source:

source:

One of the World’s Top 25 Ski Towns

source:

source:

Bend, Oregon

FieldandStream.com http://www.fieldandstream.com/photos/gallery/kentucky/2008/01/best-fishing-townsamerica?photo=7#node-1000014252

source:

About.com http://flyfishing.about.com/od/wheretofish/a/Best-Fly-Fishing-In-The-Western-US-Montana-Idaho-ColoradoWashington.htm

source:

National Geographic http://adventure.nationalgeographic.com/adventure/trips/best-ski-towns-photos/#/bend-oregonski_47300_600x450.jpg

source:

#20 - Bend, Oregon The Best Trail Running Town

Travel and Leisure http://www.travelandleisure.com/articles/americas-best-ski-towns/4

#12 - Bend, Oregon America’s Top Adventure Town

Livability.com http://livability.com/top-10/top-10-romantic-cities/bend/or

#8 - Bend, Oregon One of the Top 10 Fly Fishing Towns in the U.S. #11 - Bend, Oregon

MountainBikeAction.com http://www.mbaction.com/Main/News/Riding-In-Bend-Oregon-A-Warm-Up-For-McKenzie-River-5442.aspx

#4 - Bend, Oregon One of the Best Fishing Towns in America

Equiatrekking.com http://www.equitrekking.com/articles/entry/5_great_equestrian_communities_bend/

#1 - Bend, Oregon One of America’s Most Romantic Cities #3 - Bend, Oregon

Outdoor Life http://www.outdoorlife.com/photos/gallery/hunting/2011/04/best-towns-2011?photo=1#1001344788

#1 - Bend, Oregon The Best Mountain Biking Town in the United States

Oregon Live

Mens Journal http://www.rleehicks.com/Mens%20Journal%20Article%20-Bend.pdf

source:

Outdoors NW http://outdoorsnw.com/2011/bend-trail-town-usa/

Bend, Oregon

General Facts Country

United States

Area

33.27 Square Miles

State

Oregon

Elevation

3,623 feet

County

Deschutes

Weather

Winter, High 46 F | Low 21 F Summer, High 82 F| Low 37 F

Rain Fall / Precipitation

Average Annual – Rainfall, 11.38 inches Average Annual – Snowfall, 23 inches

Time Zone

Pacific Standard Time

Coordinates

44.0500° N | 121.300° W

Incorporated 1905 Population

91,122 (2016)

5

Attractions MUSEUMS & ATTRACTIONS

LOCATION

Fort Rock Valley Homestead Village Museum Fort Rock

PHONE

WEBSITE

541.576.2251

www.fortrockoregon.com

High Desert Museum

59800 South Hwy 97, Bend OR 97702

541.382.4754

www.highdesertmuseum.org

L & S Gardens

50808 Huntington Rd. La Pine, OR 97739

541.536.2049

www.lsgardens.com

Petersen Rock Garden & Museum

7930 SW 77th St. Redmond, OR 97756

541.382.5574

www.redmond.gov

The A.R. Bowman Memorial Museum

246 North Main St. Prineville OR 97754

541.447.3715

www.bowmanmuseum.org

The Museum at Warm Springs

2189 Highway 26 Warm Springs, OR 97761

541.553.3331

www.museumatwarmsprings.org

SHOPPING

LOCATION

PHONE

WEBSITE

Bend Factory Stores

61334 S Hwy 97 Bend, OR 97702

541.382.4736

www.bendfactorystores.com

Bend River Promanade

3188 N Highway 97 Bend, OR 97701

541.388.3644

www.bendriverpromenade.com

Cascade Village

63455 N. Hwy 97 Bend, OR 97701

541.388.1495

www.cascadevillage.net

Downtown Bend

Downtown Bend

541.788.3628

www.downtownbend.org

Forum Shopping Center

2550 NE Hwy 20 Bend, OR 97006

541.330.1818

www.perkstops.com/the-forum-shopping-center.html

Northwest Crossing

2762 NW Crossing Drive, Bend, OR 97702

541.383.4360

www.northwestcrossing.com

The Historic Old Mill District

520 SW Powerhouse Drive Bend, OR 97702

541.312.0131

www.theoldmill.com

SPORTS & ACTIVITIES

LOCATION

PHONE

WEBSITE

Airborne Outback Adventures

Bend, OR

541.280.4561

www.sportpilottrainingcenter.com

Belknap Hot Springs

59296 Belknap Hot Springs Rd, McKenzie Bridge, OR 97413

541.822.3512

www.belknaphotsprings.com

Deschutes National Forest

63095 Deschutes Market Road Bend, OR 97701

541.553.3331

www.fs.usda.gov/centraloregon

Diamond Creek Falls Trail/ Diamond Creek Falls Loop

Willamette National Forest

541.225.6300

www.fs.usda.gov

Hosmer Lake

Deschutes National Forest

541.383.5300

www.fs.usda.gov

Lava River Cave

58201 South Hwy. 97 Bend, OR 97707

541.593.2421

www.fs.usda.gov

Let It Ride Electric Bikes

25 NW Minesota #6 Bend, OR 97701

541.647.2331

www.letitridebend.com

Little Cultus Lake

Deschutes National Forest

541.383.5300

www.fs.usda.gov

Mount Bachelor

13000 SW Century Drive Bend, OR 97702

800.829.2442

www.mtbachelor.com

SPORTS & ACTIVITIES

LOCATION

PHONE

WEBSITE

Newberry National Volcanic Monument

Deschutes National Forest

541.383.5700

www.fs.usda.gov

Ochoco National Forest

3160 NE 3rd St Prineville, OR 97754

541.416.6500

www.fs.usda.gov/main/centraloregon/ home

Ouzel Outfitters

Bend, OR 97709

800.788.7238

www.oregonrafting.com

Pilot Butte

Orchard District, Bend, OR 97701

541.388.6055

www.oregonstateparks.org

Pine Mountain Sports

255 SW Century Dr. Bend, OR 97702

541.385.8080

www.pinemountainsports.com

Sahalie and Koosah Falls

Willamette National Forest

541.225.6300

www.fs.usda.gov

Salt Creek Falls

Willamette National Forest

541.225.6300

www.fs.usda.gov/recarea/willamette

Smith Rock State Park

Terrebonne, OR 97760

541.548.7501

www.smithrock.com

South Sister

Bend, OR

Sparks Lake

Deschutes National forest

541.383.5300

www.fs.usda.gov

Spend The Day In Sisters, Oregon

Sisters, OR

866.549.0252

www.sisterscountry.com

Sun Country Tours

531 SW 13th St Bend, OR 97702

541.382.6277

www.suncountrytours.com

Sunriver Nature Center

57245 River Rd Sunriver, OR 97707

541.593.4394

www.sunrivernaturecenter.org

Sunriver Resort

17600 Center Dr. Sunriver, OR 97707

800.801.8765

www.sunriver-resort.com

The Bend Tour Company

550 SW Industrial Way Bend, OR 97702

541.480.8477

www.thebendtourcompany.com

The Cycle Pub

70 SW Century Ave Bend, OR 97702

Book Online

www.cyclepub.com

The Paulina Plunge

56880 Venture Lane #114N Sunriver, OR 97707

800.296.0562

www.paulinaplungle.com

The Well Traveled Fork

Bend, OR 97701

541.312.0097

www.welltraveledfork.com

Todd Lake

Deschutes National Forest

541.383.5300

www.fs.usda.gov

Tumalo State Park

64120 O.B. Riley Rd Bend, OR 97701

541.388.6055

www.oregonstateparks.org

Twin Lake Resort

n/a

541.382.6432

www.twinlakesresort.net

Wanderlust Tours

61535 S. Hwy 97 #13 Bend, OR 97702

541.389.8359

info@wanderlusttours.com

EVENTS & FESTIVALS

LOCATION

PHONE

WEBSITE

Art in the High Desert

Old Mill District

541.322.6272

info@artinthehighdesert.com

Bend Summer Festival

Bend, OR

n/a

www.c3events.com

Les Schwab Amphitheater

344 SW Shevlin Hixon Dr Bend, OR 97702

541.312.8510

www.bendconcerts.com

www.everytrail.com

Parks For More Information on Bend Parks & Trails Visit: www.bendparksandrec.org/Parks__Trails/Park_list/ BEND PARKS

LOCATION

Lewis & Clark Park

2520 NW Lemhi Pass Drive

Al Moody

2225 NE Daggett Lane

McKay Park

166 SW Shevlin Hixon Drive

Alpine

SW Swarens Ave./Century Drive

Miller’s Landing Park

55 NW Riverside Blvd

Awbrey Village

3015 NW Merchant Way

Mountain View Park

1975 NE Providence Drive

Bend Senior Center

1600 SE Reed Market Road Phone: 541.388.1133

Orchard Park

2001 NE 6th Street

Big Sky Park

21690 NE Neff Road

Overturf Park

475 NW 17th Street

Blakely Park

1155 SW Brookswood Blvd.

Pacific Park

200 NW Pacific Park Lane

Boyd Park

20750 NE Comet St

Pagent Park

691 NW Drake Road

Brooks Park

35 NW Drake Road

Park Services Center

1675 SW Simpson

Canal Row Park

1630 NE Butler Market Road

Columbia Park

264 NW Columbia Street

Compass Park

2500 NW Crossing Drive

Davis Park Site

Revere Street (end)

Deschutes River Trail

N/A

District Office

799 SW Columbia Street Phone: 541.389.7275

Dohema River Access

NW Drake and Dohema Streets

Drake Park and Mirror Pond

Pilot Butte Neighborhood Park 1310 NE Highway 20 Pine Nursery Park

3750 NE Purcell Blvd.

Pine Ridge Park

Pioneer Park

61250 Linfield Ct Intersection of Purcell Street & Empire Ave. 1525 Wall Street

Ponderosa Park

225 SE 15th Street

Providence Park

1055 NE Providence Drive

Quail Park

2755 NW Regency Street

777 NW Riverside Blvd.

River Canyon Park

61005 Snowbrush Drive

Farewell Bend Park

1000 SW Reed Market Road

River Rim Park Site

River Rim Drive

First Street Rapids Park

1980 NW First St.

Riverbend Park

799 SW Columbia Street

Foxborough Park

61308 Sunflower Lane

Riverview Park

225 NE Division Street

Gardenside Park

61750 Darla Place

Rock Ridge Park Site

NE 18th Street

Harmon Park

1100 NW Harmon Road

Sawyer Park

62999 O.B. Riley Road

Harvest Park

63240 Lavacrest St.

Sawyer Uplands Park

700 NW Yosemite Drive

High Desert Park Site

60895 27th St.

Shevlin Park

18920 Shevlin Park Road

Hillside I Park

2050 NW 12th Street

Skyline Sports Complex

19617 Mountaineer Way

Hillside II Park

910 NW Saginaw Avenue

Stover Park

1650 NE Watson Drive

Hixon Park

125 SW Crowell Way

Summit Park

1150 NW Promontory Drive

Hollinshead Park

1235 NE Jones Rd

Sun Meadow Park

61150 Dayspring Drive

Hollygrape Park

19489 SW Hollygrape Street

Sunset View Park

990 NW Stannium Rd

Jaycee Park

478 Railroad Street

Sylvan Park

2996 NW Three Sisters Drive

Juniper Park

800 NE 6th

Three Pines Park

19089 Mt Hood Place

Tillicum Park/Chase Ranch

18144 Couch Market Road

Vince Genna Stadium

SE 5th and Roosevelt Avenue

Wildflower Park

60955 River Rim Drive

Woodriver Park

61690 Woodriver Drive

800 NE 6th St. Juniper Swim & Fitness Center Phone: 541.389.7665 Kiwanis Park

800 SE Centennial Blvd.

Larkspur Park

1700 SE Reed Market Road

Larkspur Trail

1600 SE Reed Market Road

Pine Tree Park Site

BEND TRAILS

LOCATION

Alpine Trail

3.5 miles, Mt. Washington/Skyline Park to Tetherow

Big Sky Park Trail

0.8 miles, through Big Sky Park to Neff Road

Brooks-Scanlon Rail Trail

27 miles, Shevlin Park/Phil’s Trailhead to city of Sisters

Cascasde Highlands Trail

4.6 miles, Overturf Park to Phil’s Trailhead

Central Oregon Canal Trail

3.5 miles, Reed Market Road to Deschutes River Trail

COCC - Shevlin Park Trail

1.8 miles, Mt. Washington to Shevlin Park

Colorado Trail

1.1 miles, Haul Road Trail to McKay Park

Coyner Trail

0.8 miles, Ponderosa Park to Juniper Park

Deschutes River Trail (North Reach)

3.6 miles, Tumalo to Tumalo State Park

Deschutes River Trail (Awbrey Reach)

3.9 miles, Putnam Road to Sawyer Park

Deschutes River Trail (River Run Reach) Deschutes River Trail (Pioneer Reach)

1.3 miles, Sawyer Park to First St. Rapids Park

DOG OFF-LEASH PARKS

LOCATION

Deschutes River Trail (Old Mill Reach)

3.7 miles, Columbia Park to Haul Road Trail (Note: possible trail closures listed above.)

Big Sky

21690 Neff Rd.

Deschutes River Trail (South Canyon Reach)

4.3 miles, Haul Road Trail to River Rim Park

Riverbend Park

799 SW Columbia St. River Access Available

Discovery Trail

0.7 miles, Shevlin Park Road to Skyliners Road

Ponderosa Community Park

225 SE 15th St.

East Bend Canal Trail

1.1 miles, 27th Street to East Bend Canal

Pine Nursery Community Park

NE Purcell Rd.

3.3 miles, Bill Healy Bridge to USFS boundary

Hollinshead Community Park

1235 NE Jones Rd.

Haul Road Trail

Overturf Butte Reservoir

Skyliner Summit Loop

Larkspur Trail (North)

2.3 miles, US20 underpass to Stover Park

Awbrey Reservoir

NW 10th and Trenton

Larkspur Trail (South)

1.8 miles, Larkspur Park to US20 underpass

North Parkway Trail

0.5 miles, Butler Market Road to Empire Avenue

Small Dogs - There is a fenced small dog area at the Riverbend Park off-leash area. The criteria for small dogs is less than 15 inches at the shoulder and under 25 pounds.

North Unit Canal Trail

1.5 miles, Deschutes River to Canal Row Park

For a full listing of off-leash areas in the region visit www.dogpac.org

Pilot Butte Canal Trail

1.7 miles, Canal Row Park to Pine Nursery Park

For a Detailed List of Dog Parks Visit: www.bendparksandrec.org/Parks__Trails/Dogs_in_Parks/

Pine Nursery Park Trail

1.9 miles, Pine Nursery Park (loop trail)

Shevlin Park Area Trails

9.8 miles, Shevlin Park (above canyon & along Tumalo Creek)

Sylvan to Summit Trail

0.6 miles, Sylvan Park to Summit Park (on Awbrey Butte)

Tetherow Trail

3.3 miles, along Tetherow Resort Roads

Three Pines Trail

0.2 miles, Three Pines Park to Shevlin Commons

West Bend Trail

2.7 miles, 17th Street to USFS Road 4606 (Phil’s Trailhead)

2.4 miles, First St. Rapids Park to Columbia Park

VISIT THE BEND PARK & RECREATION WEBSITE FOR PARK, DOG PARK & TRAIL INFORMATION www.bendparksandrec.org/

Wineries/Vineyards WINE TASTING

VINEYARDS & WINERIES location :

Naked Winery

phone : info :

330 SW Powerhouse Dr. #110 Bend, OR 97702 541.388.6963 www.nakedwinery.com

Faith, Hope and Charity Vineyards

location : phone : info : location :

location :

Portello Wine Cafe

phone : info :

location :

Sip Wine Bar

phone : info :

2754 NW Crossing Drive Bend, OR 97701 541.385.1777 www.portellowinecafe.com 1366 NW Galveston Ave., Bend, OR 97701 541.323.8466 www.sipwinebend.com

Maragas Winery

info : location :

Marks Ridge Winery

The Good Drop Wine Shoppe

location : phone : info :

location : phone : info : location :

The Wine Shop & Tasting Bar

phone : info :

550 SW Industrial Way, Bend, OR 97702 541.388.5332 www.southernwinegroup.com 141 NW Minnesota Ave., Bend, OR 97701 541.410.1470 www.gooddropwineshoppe.com 55 NW Minnesota Ave., Bend, OR 97701 541.389.2884 www.thewineshopbend.com

phone : info : location :

Piluso Vineyard Southern Wine Group Wine Outlet & Tasting Bar

phone :

phone : info : location :

Silver Falls Vineyards

phone : info : location :

Va Piano Vineyards

phone : info : location :

Volcano Vineyards

phone : info :

Willamette Valley Vineyards

location : phone : info :

70450 NW Lower Valley Drive, Terrebonne, OR 97760 541.526.5075 www.faithhopeandcharityevents.com 15523 U.S. 97, Culver, OR 97734 541.546.5464 www.maragaswinery.com 29255 Berlin Road Sweet Home, OR 97386 541.367.3292 www.marksridge.com 6654 Shaw Highway SE, Aumsville, OR 97325 503.749.4125 www.pilusowines.com 4972 Cascade Highway SE Sublimity, OR 97385 503.769.5056 www.silverfallsvineyards.com 425 SW Powerhouse Dr., Ste. 301 Bend, OR 97702 541.797.6363 www.oldmilldistrict.com 70 SW Century Drive #175 Bend, OR 97702 541.617.1102 www.volcanovineyards.com 8800 Enchanted Way SE Turner, OR 97392 503.588.9463 www.wvv.com

Breweries 1135 NW Galveston Ave. Bend, OR 97701 phone : 541.678.5228 info : www.10barrel.com

Goodlife Brewing Company

62950 NE 18th St. Bend, OR 97701 phone : 541.241.7733 info : www.10barrel.com

McMenamins Old St. Francis School

location :

10 Barrel - West

location :

info :

location :

10 Barrel - East

location :

Bend Brewing Company

phone : info : location :

Boneyard Beer

phone : info : location :

Boneyard Beer (2nd Location)

phone : info : location :

Brew Werks Brewing

phone : info : location :

Cascade Lakes Brewing

phone : info :

1019 NW Brooks St. Bend, OR 97701 541.383.1599 www.bendbrewingco.com 37 NW Lake Place Bend, OR 97701 541.323.2325 www.boneyardbeer.com 1955 NE Division St. Bend, OR 97701 541.323.2325 www.boneyardbeer.com 20750 High Desert Ln. Bend, OR 97701 541.633.7670 www.oldmillbrewwerks.com 1441 SW Chandler Ave. #100 Bend, OR 97702 541.388.4998 www.cascadelakes.com

50 SW Division St. Bend, OR 97702 phone : 541.385.3333 info : www.cruxfermentation.com location :

Deschutes Brewery

phone : info : location :

Deschutes Brewery Tasting Room

phone : info :

1044 NW Bond St. Bend, OR 97701 541.382.9242 www.deschutesbrewery.com 901 SW Simpson Ave. Bend, OR 97702 541.385.8606 www.deschutesbrewery.com

info :

700 NW Bond St. Bend, OR 97701 541.382.5174 www.mcmenamins.com

location :

2650 NE Division St.

location :

Riverbend Brewing Sports Pub

phone :

phone : info : location :

Silver Moon Brewing

phone : info :

Bend, OR 97703 541.550.7550 www.riverbendbrewing.com 24 NW Greenwood Ave.

Bend, OR 97701 541.388.8331 www.silvermoonbrewing.com

234 N Main St. Prineville, OR 97754 phone : 541.233.0883 info : www.solsticebrewing.com location :

Solstice Brewing

location :

Sunriver Brewing

phone : info : location :

The Ale Apothecary

phone : info :

location :

Crux Fermentation Project

phone :

70 SW Century Dr. Bend, OR 97702 541.728.0749 www.goodlifebrewing.com

location :

Three Creeks Brewing

phone : info : location :

Worthy Brewing

phone : info :

1005 NW Galveston Ave. Bend, OR 97703 541.408.9377 www.sunriverbrewingcompany.com 61517 River Rd. Bend OR 97701 541.318.9143 www.thealeapothecary.com 721 S Desperado Ct.

Sisters, OR 97759 541.549.1963 www.threecreeksbrewing.com 495 NE Bellevue Dr.

Bend OR 97701 541.639.4776 www.worthybrewing.com

The Bend Ale Trail - Your Beer Adventure Begins In Bend, Oregon www.visitbend.com/Bend_Oregon_Activities_Recreation/Bend-Ale-Trail

Golf Courses PRIVATE 2500 NW Awbrey Glen Drive Bend, OR 97701 541.385.6011 info : www.awbreyglen.com location :

Awbrey Glen Golf Club

phone :

61045 Country Club Drive Bend, OR 97702 541.382.3261 info : www.bendgolfclub.com location :

Bend Golf & Country Club

phone :

16986 SW Brasada Ranch Road Powell Butte, OR 97753 866.373.4882 info : www.brasada.com location :

Brasada Canyons

phone :

61999 Broken Top Drive Bend, OR 97702 541.383.0868 info : www.brokentop.com location :

Broken Top Club

phone :

17600 Canoe Camp Drive Sunriver, OR 97707 541.593.6169 info : www.crosswater.com location :

Crosswater Club Sunriver Resort – Caldera links

phone :

17600 Center Drive Sunriver, OR 97707 541.593.4402 info : www.sunriver-resort.com/golf/oregon-golf-course-caldera location : phone :

PUBLIC 16900 Aspen Lakes Drive, Sisters OR 97759 541.549.4653 info : www.aspenlakes.com location :

Aspen Lakes Golf Course Black Butte Ranch – Big Meadow Black Butte Ranch – Glaze Meadow

phone :

13653 Hawksbeard Road Sisters, OR 97759 541.595.1294 info : www.blackbutteranch.com/golf/big-meadow location : phone :

13653 Hawksbeard Road Sisters, OR 97759 541.595.1270 info : www.blackbutteranch.com/golf/glaze-meadow location : phone :

17750 Caldera Springs Dr Sunriver, OR 97707 541.593.4851 info : www.sunriver-resort.com/golf/oregon-golf-caldera location :

Caldera Links Crooked River Ranch Golf Course Eagle Crest Resort – Ridge Course Eagle Crest Resort – Resort Course

phone :

5195 Club House Road Crooked River, OR 97760 541.923.6343 info : www.crookedriverranch.com location : phone :

1522 Cline Falls Road Redmond, OR 97756 541.923.4653 info : www.eagle-crest.com/golf/the-ridge-course location : phone :

1522 Cline Falls Road Redmond, OR 97756 541.923.4653 info : www.eagle-crest.com/golf/the-resort-course location : phone :

Eagle Crest Resort – Challenge Course

1522 Cline Falls Road Redmond, OR 97756 541.923.4653 info : www.eagle-crest.com/golf/the-challenge-course location : phone :

2575 SW Greens Blvd Redmond, OR 97756 541.923.0694 info : www.golfnow.com location :

Greens at Redmond

phone :

1938 SW Elkhorn Avenue Redmond, OR 97756 541.548.3121 info : www.playjuniper.com location :

Juniper Golf Course

phone :

6823 Nasha Warm Springs, OR 97761 541.553.4971 info : www.kahneeta.com location :

Kah-nee-tah Golf Course

phone :

60205 Sunset View Drive Bend, OR 97702 541.385.1818 info : https://losttracks.com location :

Lost Tracks Golf Club

phone :

300 SW Meadows Lakes Drive Prineville, OR 97754 541.447.7113 info : www.meadowlakesgc.com location :

Meadow Lakes Golf Course Old Back Nine at Mountain High

phone :

60650 China Hat Rd Bend, OR 97702 541.382.1111 info : www.oldbacknine.com location : phone :

65600 Pronghorn Club Drive Bend, OR 97701 541.693.5300 info : www.pronghornclub.com location :

Pronghorn Golf Course

phone :

16725 Northridge La Pine, OR 97739 541.536.1303 info : www.golfquailrun.com location :

Quail Run Golf Course

phone :

400 NW Pro Shop Drive Bend, OR 97701 541.389.2828 info : www.riversedgegolfbend.com location :

Rivers Edge Golf Course Sunriver Resort – Meadows Course Sunriver Resort – Woodlands Course

phone :

17600 Center Drive Sunriver, OR 97707 541.593.4402 info : www.sunriver-resort.com/golf/oregon-golf-course-meadows location : phone :

17600 Center Drive Sunriver, OR 97707 541.593.4402 info : http://www.sunriver-resort.com/golf/oregon-golf-course-woodlands location : phone :

61240 Skyline Ranch Road Bend, OR 97701 541.388.2582 info : www.tetherow.com location :

Tetherow Golf Club

phone :

18707 Century Drive Bend, OR 97702 541.382.4449 info : www.widgi.com location :

Widgi Creek Golf Club

phone :

Recommended Restaurants location :

#1 McKay Cottage info :

location :

#2 Chow

phone : info :

location :

#3 Sparrow Bakery

phone : info :

#4 Zydeco Kitchen & Cocktails

location : phone : info : location:

#5 Pizza Mondo

phone : info :

location :

62910 OB Riley Rd. Bend, OR 97701 http://themckaycottage.com

#8 Deschutes Brewery

1110 NW Newport Ave. Bend, OR 97701 541.728.0256 http://chowbend.com

#9 Kebaba

50 SE Scott St. Bend, OR 97702 541.330.6321 www.thesparrowbakery.net 919 NW Bond Bend, OR 97701 541.312.2899 www.zydecokitchen.com

info :

location :

location :

#10 Barrio

phone : info :

location :

#11 Trattoria Sbandati

1004 NW Newport Ave. Bend, OR 97701 541.318.6224 www.kebaba.com 163 NW Minnesota Ave. Bend, OR 97701 541.389.2025 www.barriobend.com 1444 NW Collage Way Bend, OR 97701 541.306.6825 www.trattoriasbandati.com

2670 US-20 #710 Bend, OR 97701 phone : 541.389.4652 location : 2680 SW Powerhouse Dr. Bend, OR 97701 phone : 541.647.2711 location : 920 NW Bond St. Bend, OR 97701 phone : 541.728.0069 info : www.holabend.com location :

location :

#7 Jackson’s Corner

phone : info :

1135 NW Galveston Ave. Bend, OR 97701 541.678.5228 www.10Barrel.com

845 NW Delaware Ave. Bend, OR 97701 (West) phone : 541.647.2198 location : 1500 NE Cushing Ste. 100 Bend, OR 97701 (East) phone : 541.382.1751 info : www.jacksonscornerbend.com

phone : info :

#12 Hola #6 10 Barrel

phone : info :

811 NW Wall St Bend, OR 97703 541.330.9093 www.pizzamondobend.com

location :

phone :

1044 NW Bond St. Bend, OR 97701 541.382.9242 www.deschutesbrewery.com

#13 10 Below Restaurant & Lounge

location : phone : info :

10 NW Minnesota Ave. Bend, OR 97701 541.382.1010 www.oxfordhotelbend.com

location :

#14 The Victorian Café

phone : info :

location :

#15 Worthy Brewing

phone : info :

location :

#16 Tetherow Golf Club Grill

phone : info :

location :

#17 Currents at the Riverhouse

phone : info :

location :

#18 Pastini Pastaria

phone : info : location :

#19 Jakes Diner

phone : info :

location :

#20 Greg’s Grill

phone : info :

location :

#21 Pine Tavern

phone : info :

location :

#22 Chi Chinese & Sushi Bar

phone : info : location : phone :

#23 Baldy’s Barbeque

location : phone : info :

location :

#24 Anthony’s Homeport

phone : info :

location :

#25 900 Wall

phone : info :

location :

#26 Pilot Butte Drive In

phone : info :

location :

#27 Bend Brewing Company

phone : info :

location :

#28 Café Sintra

phone : info :

location :

#29 Joolz

phone : info :

location :

#30 The Phoenix

phone : info :

1404 NW Galveston Ave., Bend, OR 97701 541.382.6411 www.victoriancafebend.com 495 NE Bellevue Dr., Bend, OR 97701 541.639.4776 www.worthybrewing.com 61240 Skyline Ranch Rd., Bend OR 97702 541.388.2582 https://tetherow.com/dine/ 3075 N HWY 97, Bend OR 97703 541.389.8810 www.currentsbend.com 375 SW Powerhouse Dr., Bend OR 97702 541.749.1060 www.pastini.com 2210 NE HWY 20 Bend OR 97701 541.382.0118 www.jakesdinerbend.com 395 SW Powerhouse Dr., Bend 97702 541.382.2200 www.gregsgrill.com 967 NW Brooks St, Bend OR 97701 541.382.5581 www.pinetavern.com 70 NW Newport Ave., Bend, OR 97703 541.317.0727 www.bendchi.com 2670 NE Hwy 20 Bend OR 97701 541.388.4227 235 SW Century Dr. Bend OR 97702 541.385.7427 www.baldysbbq.com 475 SW Powerhouse Dr., Bend OR 97702 541.389.8998 www.anthonys.com 900 NW Wall St., Bend OR 97701 541.323.6295 www.900wall.com 320 SW Century Dr., Bend OR 97701 541.323.3272 www.pilotbuttedrivein.com 1019 NW Brooks St Bend OR 97701 541.383.1599 www.bendbrewingco.com 1024 NW Bond St., Bend OR 97701 541.382.8004 www.cafesintra.com 916 NW Wall St., Bend OR 97703 541.388.5094 www.joolzbend.com 594 NE Bellevue Dr., Bend, OR 97701 541.317.0727 www.bendphoenix.com

Ski Resorts CENTRAL OREGON 13000 SW Century Drive, Bend, OR 97702 800.829.2442 info : www.mtbachelor.com location :

Mt. Bachelor

phone :

GPS Coordinates: N 43° 36.033 W 122° 02.200 541.345.7669 info : www.willamettepass.com location :

Willamette Pass Resort

phone :

20 Hwy 20, Sisters, OR 97759 541.822.3799 info : www.skihoodoo.com

location :

Hoodoo

phone :

MOUNT HOOD Mt. Hood Meadows Ski & Snowboard Resort

14040 Hwy 35, Mt. Hood, OR 97041 503.337.2222 info : www.skihood.com location : phone :

27500 E. Timberline Road, Timberline Lodge, OR 97028 503.272.3311 info : www.timberlinelodge.com location :

Timberline Lodge

phone :

87000 E Hwy 26, Government Camp, OR 97028 503.272.3206 info : www.skibowl.com location :

Mt. Hood Skibowl

phone :

10755 Cooper Spur Road, Mt Hood Parkdale, OR 97041 541.352.6692 info : www.cooperspur.com location :

Cooper Spur

phone :

90255 Government Camp Loop Road, Government Camp, OR 97028 503.272.0256 info : www.summitskiarea.com location :

Summit Ski Area

phone :

SOUTHERN OREGON 693 Washington Street, Ashland, OR 97520 541.482.2897 info : www.mtashland.com location :

Mt. Ashland Ski Resort

phone :

Utilities Power Pacific Power Central Electirc Co-Op

Phone: 1.800.221.7070 Website: http://www.pacificpower.net/ Phone: 541.548.2144 Website: http://www.cec-co.com/

Natural Gas Cascade Natural Gas

Phone: 1.866.412.8829 Website: http://www.cngc.com/

Water & Sewer City of Bend water/sewer

Phone: 541.388.5515 Website: http://www.ci.bend.or.us/

Avion Water Company

Phone: 541.382.5342 Website: https://avionwater.com/

Agate Water

Phone: 541.382.2855 Website: https://agatewatercompany.com/

Roats Water System

Phone: 541.382.3029 Website: https://www.roatswatersystem.com/

Cable & Internet Bend Broadband

Phone: 541.382.5551 Website: http://www.bendbroadband.com/

Century Link

Phone: Website: IUUQT XXX DFOUVSZMJOL DPN MPDBM PS bend.html

TR AILS

hiking and biking HIKING and BIKING in CENTRAL OREGON Pilot Butte State Park Phil’s Trail Upper Deschutes River Trail Lava Butte Cave/Lava Cast Forest Newberry National Monument

Tumalo Falls Tumalo Mountain Smith Rock State Park Mirror Lake Loop Trail Metolius River Trail

Devils Lake Sparks Lake Green Lake Todd Lake Dry River Gorge

TRAILS | hiking and biking EACH OFFICE IS INDEPENDENTLY OWNED & OPERATED

CASCADE SOTHEBY’S INTERNATIONAL REALTY RELOCATION PACKAGE | CascadeSothebysRealty.com

Camping & Hiking Map

37

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POPULAR HIKES 1 Pilot Butte State Park (Easy/Moderate 2 Mile Loop) 2 Farewell Bend River Trail Loop (Easy to Moderate 3 Mile Loop) 3 Upper Deschutes River Trail (Distance Varies) 4 Lave Butte/Lava River Cave/Lava Cast Forst 5 Newberry National Monument 6 Tumalo Falls (Short Easy/Moderate .25 to 4 Miles One Way) 7 Tumalo Mt. (Moderate/Difficult 2 Miles One Way) 8 Todd Lake (Easy 1.25 Mile Lakeshore Loop) 9 Sparks Lake (Easy 1 Mile Loop) 10 Green Lakes (Moderate 4.5 Miles One Way) 11 Devils Lake (Easy/Difficult Hikes & Explorations) 12 Sisters Mirror Lake Loop (Moderate 7 Mile Loop) 13 Metolius River Recreation Area 14 Smith Rock State Park (Easy/Moderate/Difficult) 15 The Badlands

POPULAR BIKE ROUTES A First St. Rapids/Sawyer Park (Easy-Moderate; Varying Lengths) B Swampy Lakes Trails C Philâ&#x20AC;&#x2122;s Trail System (Easy-Very Difficult) D Sunriver (Easy; Varying Lengths) E Shevlin Park Loop (Easy-More Difficult; Varying Lengths) F Sparks Lake, Lava Lake, Edison Butte Trail System (More-Most Difficult; 31 Mile Loop)

CAMPGROUNDS # OF SITES FEES WATER TOILETS 1. Monty* . . . . . . . . . . 20 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 2. Perry South*. . . . . . 63 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 3. Cove Palisades* . . .271 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 4. Haystack* . . . . . . . . 24 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 5. Smith Rock State Park N/A . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . .No 6. Candle Creek*. . . . . 10 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 7. Lower Bridge* . . . . 12 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 8. Pioneer Ford* . . . . . 20 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 9. Allen Springs* . . . . 17 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 10 . Canyon Creek* . . . . .7 . . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 11 . Gorge* . . . . . . . . . . 18 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 12 . Pine Rest*. . . . . . . . .7 . . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 13 . Smiling River* . . . . 38 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 14 . Allingham*. . . . . . . 10 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 15 . Camp Sherman* . . . 15 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 16 . Riverside*. . . . . . . . 16 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 17 . Jack Creek*. . . . . . . 18 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 18 . Sheep Springs* . . . 10 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 19 . Indian Ford* . . . . . . 25 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 20 . Link Creek*. . . . . . . 33 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 21 . Scout Lake Group* . 10 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 22 . South Shore . . . . . . 39 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 23 . Blue Bay* . . . . . . . . 25 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 24 . Graham Corral . . . . 13 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 25 . Sisters Cow Camp* . .5 . . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes 26 . Whispering Pine Horse 6 . . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes 27 . Cold Springs . . . . . . 23 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 28 . Three Creek Meadow20 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 29 . Three Creek Horse . .9 . . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 30 . Three Creek Lake . . 10 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 31 . Driftwood . . . . . . . . 17 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 32 . Tumalo State Park . 84 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 33 . Prineville Res. SP . .102 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 34 . Jasper Point . . . . . . 30 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 35 . Todd Horse Camp . . .6 . . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes 36 . Soda Creek . . . . . . . 10 . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes 37 . Quinn Meadow. . . . 24 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 38 . Elk Lake . . . . . . . . . 23 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 39 . Point . . . . . . . . . . . . 10 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 40 . Little Fawn . . . . . . . 20 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 41 . Little Fawn Group. . 12 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 42 . South . . . . . . . . . . . 23 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes

CAMPGROUNDS # OF SITES FEES WATER TOILETS 43 . Mallard Marsh . . . . 15 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 44 . Lava Lake . . . . . . . . 43 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 45 . Little Lava Lake . . . 12 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 46 . Cultus Corral . . . . . . 11 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 47 . Cultus Lake . . . . . . . 55 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 48 . Little Cultus Lake . . 20 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 49 . Quinn River. . . . . . . 41 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 50 . Cow Meadow . . . . . 21 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 51 . Crane Prairie. . . . . .146 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 52 . Rock Creek . . . . . . . 31 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 53 . Sheep Bridge . . . . . 23 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 54 . North Twin . . . . . . . 19 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 55 . South Twin . . . . . . . 24 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 56 . West South Twin. . . 24 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 57 . Gull Point . . . . . . . . 83 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 58 . North Davis Creek. . 15 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 59 . Reservoir . . . . . . . . 28 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 60 . Lava Flow . . . . . . . . .6 . . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes 61 . Big River . . . . . . . . . 11 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 62 . LaPine State Park . .138 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 63 . Fall River. . . . . . . . . 10 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 64 . Pringle Falls . . . . . . .6 . . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 65 . Wyeth . . . . . . . . . . . .3 . . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 66 . Bull Bend . . . . . . . . 12 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 67 . Prairie . . . . . . . . . . . 16 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 68 . Ogden Group . . . . . .3 . . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 69 . McKay Crossing . . . 10 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 70 . Paulina Lake . . . . . . 69 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 71 . Chief Paulina Horse 14 . . . . . . . . Yes . . . . . . . . No . . . . . . . . . . . Yes 72 . Little Crater . . . . . . 50 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 73 . Newberry Group. . . .3 . . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 74 . East Lake. . . . . . . . . 29 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 75 . Cinder Hill. . . . . . . .110 . . . . . . . . Yes . . . . . . . .Yes . . . . . . . . . . . Yes 76 . China Hat . . . . . . . . 14 . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes 77 . Pine Mtn . . . . . . . . . .3 . . . . . . . . . No . . . . . . . . No . . . . . . . . . . . .No 78 . Black Pine Springs . N/A . . . . . . . . No . . . . . . . . No . . . . . . . . . . . .No 79 . Lava Camp Lake . . .N/A . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes 80 . Jack Lake . . . . . . . .N/A . . . . . . . . No . . . . . . . . No . . . . . . . . . . . .No 81 . Devils Lake . . . . . . . .9 . . . . . . . . . No . . . . . . . . No . . . . . . . . . . . Yes * Items marked with an asterisk are not shown on the map. Items #20-21, 23, 25 are near Suttle Lake, Items #6-19 are along the Metolius River, and Items #1-4 are near Lake Billy Chinook.

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BendBrewingCo.com

Blonde Bombshell

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DESCHUTES M

DeschutesBrewery.com

GoodLife opened in their warehouse location on the Westside of Bend in June of 2011. With a 22,000 sqf building, 30 barrel brew system, a generously-sized pub, and bier garten, GoodLife has been brewing up plenty of good beers and has plenty of room to grow. Which maybe a good thing, seeing they are the first brewery to can beer in Central Oregon. Stop in for tours, growlers, and good times.

Winner of the Bend BrewFest People's Choice awards two years in a row. Their beers are sure to please almost any palate.

70 SW Century Dr.

1441 SW Chandler Ave. (pub)

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What began in 1994 as a small brewing facility in an airport industrial zone has turned into a state-of-the-art, 25-barrel brew house system that allows brewing 775 gallons per batch, three times daily.

Besides the flagship restaurant en route to Mt. Bachelor, they also operate 4 other Central Oregon pubs, including the popular Seventh Street Brew House in Redmond. They brew 6 year-round beers and 9 seasonals, many of which are available at grocery stores in Oregon, Washington, and Idaho.

Purcell Blvd.

541.383.1599

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GoodLife Brewing

best known for

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1019 NW Brooks St.

Though they’re famous for their 6000-square foot lodge packed with pool tables, dartboards and a Shot-Ski, their brewing facility is located in Redmond, Oregon.

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GoodLifeBrewing.com

CascadeLakes.com

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With expansive mountain views, Crux is one of the best spots in Bend to catch the sunset.

37 NW Lake Pl., Suite B

The on-site soaking pool enclosed in shimmering turquoise tile and filled with non-chlorinated saltwater—the perfect spot to warm your bones after K a play day in RIN U Bend.

50 SW Division St.

BoneyardBeer.com

541.385.3333

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Crux Fermentation Project is located at the geographic center of Bend—yet definitely off the beaten path. Here, brewmaster Larry Sidor employs non-traditional brewing methods like decoction mashing, open fermentation, wild yeast strains, oak barrel ageing and experimental hops. This ensures an ever-changing menu of artisanal beers, from session ales to stouts and sours. And their tasting room menu offers what’s arguably the best grilled cheese sandwich in the land.

3rd St.

Discount growler refills every Wednesday, and the logoed hearse that sits out front.

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Often dubbed “the anti-establishment brewery,” Boneyard was birthed in an old auto shop using secondhand equipment.

Launching May 2010, Boneyard’s quality brews quickly made them both a local favorite and statewide headline-grabber.

Beerpulse.com named them Oregon Microbrewery of the Year in 2012, noting, “the company virtually came from out of nowhere, surging in the top 20 breweries in terms of production.”

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Terminator Stout + Ruby raspberry ale = Rubinator!

McMenamins Old St. Francis

Once a 1936 Catholic schoolhouse, the McMenamins' Bend location is now a lively hotel with an onsite brewery, pub, movie theater, soaking pool and more. Known for its colorful artwork and handcrafted ales, the sprawling McMenamins' property offers multiple pubs, including O'Kanes with outdoor fire pits and pet friendly patios.

27th St.

Boneyard Beer

best known for

700 NW Bond St. 541.382.5174 // Mcmenamins.com/oldstfrancis

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The lone Bend Ale Trail site outside Bend, Three Creeks Brewing Co. in Sisters is the “extra credit” stop along your beer journey. Their rustic restaurant fashioned after an old-west livery stable and its wickedly good menu of pub fare and hand crafted ales, is worth the drive. This is the perfect stop before or after your favorite outdoor activity. Enjoy the warm, cozy fire in the winter and the dog-friendly patio in the summer. Don't miss their NW beers brewed with altitude!

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You can find it at BendAleTrail.com or in the iTunes® and Android® app markets.

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MAP NOT TO SCALE restaurant, beer garden, 495 NE Bellevue Dr. and hop yard.

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1. Brewology 101 knowledge. Pile on the Bend Brew Bus and get

John of GETIT Shuttle offers a variety of unique tours from the Bend Brew Tour to the Roundabout Art Route Art Safari Tour.

GETITshuttle.com

3. Hay bales and horses with your Hop-Head Imperial Ale.

Bend ale trail passport 2

Along the Bend Ale Trail

2. Get to know one of Bend’s most amusing locals.

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10 Things to Make You Hoppy

a behind-the-scenes tour of 4 breweries. They’ll even pick you up from your Bend home or hotel. bendbrewbus.com

The Cowboy Carriage Company offers brewery tours from a horse-drawn carriage cowboy—and cowgirl—style.

cowboycarriage.us

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4. Pedal the Bend Ale Trail on a bike built for 14.

The CyclePub of Bend added two more bike/bar hybrids to their fleet that require a few less feet to pedal. cyclepub.com

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5. Bend’s best beer brewed in a basement. Below Grade

Brewing has emerged with their handcrafted brews available at Broken Top Bottle Shop. belowgradebrewing.com

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Your beer adventure

begins at BendAleTrail.com

tucked up in the mountains west of Bend, offers scheduled brewery visits by appointment only. thealeapothecary.com

7. Need to clean up after the Bend Ale Trail?

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We recommend bathing with a “Dirty Girl” handcrafted natural soap by LeCol’s Soap Bar made with a mix of Boneyard’s famous “Girl” beer and their Black13 beer (purchase at the Bend Visitor Center).

8. CELEBRATE THE OPEN AIR and the end of prohibition with Let It

Ride Electric Bikes' Brewdie Tour, which takes you–via electric bike–to 5 of Bend's breweries for tastings and appetizers. Stash your growler fills into the Loot Trailer to enjoy back at their downtown shop. letitridebend.com

Wilson Ave.

Stamp Here

6. Experience a Wilderness Brewery. The Ale Apothecary,

27th St.

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Bend has 12 (and counting) worldclass craft breweries, and with your Bend Ale Trail™ Atlas and Passport, you can track your route to all of them.

Collect stamps from each brewery on the trail, then stop by the Bend Visitor Center to snag your prize—a one-of-akind Bend Ale Trail Silipint. Visit Three Creeks Brewery in Sisters for extra credit and get a bonus prize.

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Central Oregon's gateway to adventure!

Hike, bike, ski, putt or paddle from the perfect jumping off point.

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Launched in 2000, Silver Moon brews up 1,600 barrels of liquid gold every year. With 11 national and international medals won since 2008, Silver Moon is helping to set the bar for Bend’s incredible beer scene. The brewery has a cozy pub that’s open 7 days offering scrumptious food, free WiFi, live entertainment, free pool, and two flat-screens streaming the games. Oh and if IPA is your flavor, they’ve got 3!

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Founded in 1995, this cozy brewery’s riverfront location in An awesome locals’ the middle of downtown makes it a popular spot to grab a night on Tuesdays, tasty order of fish-n-chips washed down with a handcrafted and its status as ale. The outdoor patio overlooking the Deschutes River is Bend’s only womana hotspot in summer months, and their malty winter ales owned brewery.

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Bend’s first brewery opened its doors in June 1988 as a simple brew pub creating such favorites as Black Butte Porter and Mirror Pond Pale Ale. Since then, Deschutes has grown to be the nation’s YEOMAN RD.5th largest craft brewery, with brew pubs now in Bend and Portland, and a state-of-the-art brewing facility complete with packaging hall, tasting room/gift shop, and banquet space.

Amazing brewery tours.

In 2012, Forbes magazine named it one of the top 10 American breweries worth a visit, while Via magazine called it one of the 8 best tours in the west.

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2013 brings a whole new face to Brew Wërks, as last year's success in their tiny confines in the Old Mill has enabled an exciting leap into this bustling river-view location. The strong lineup of food-friendly brews continues to evolve, adding credibility and a cult-like following to their progressive pub fare.

Scrumptious pub fare created by Chef Rudy Garcia, who was featured on an episode of Rachel Ray’s Tasty Travels.

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Visit 10 Barrel’s popular Westside pub any night of the A pub design that week, and you’re sure to see the place hoppin’. Favored for allows them to throw their outdoor fire pit and patio, 10 Barrel’s mouthwatering open the doors and menu offers beer pairing suggestions for all items. host massive indoor/ K N I U Readers of The Source Weekly voted 10 Barrel "best R outdoor parties pub food" in 2012 in the Best of Central Oregon like the Blitz to issue. the Barrel bike Apocalypse KIRKALDY IPA CT. G(NO PUBLIC race.

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9. Burned out on beer? Craft distilleries are on the rise in

Extra Credit

Stamp Here

Redeem your passport at Bend Visitor Center downtown 750 NW Lava Road, suite 160 • 541.382.8048

Bend. Check out Bendistillery and Oregon Spirit Distillers for daily tours and tastes. Want a formal tour with a designated driver? The Local Pour tour from Wanderlust Tours and the Central Oregon Distilleries Tour by GETIT Shuttle are a must. bendistillery.com and oregonspiritdistillers.com

10. share a cold one with your pooch.

Beer and dogs go hand-in-leash in Bend. Knock back a beer with your dog on the patio at 10 Barrel, Cascade Lakes, Crux, Deschutes, GoodLife, McMenamins, or Three Creeks. Then pick-up a 6 pack of non-alcoholic organic dog brew by DAWG GROG. dawggrog.com

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652/423/124!}!!!!!!!!pme!njmm!ejtusjdu The Bend Ale Trail™ is a trademark exclusively owned by the Bend Visitor & Convention Bureau (aka Visit Bend). All rights reserved.

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OFFICE LOCATIONS Old Mill Bend 541.383.7600 | 650 SW Bond St, Suite 100 | Bend, OR 97702 Downtown Bend 541.383.7600 | 821 NW Wall Street | Bend, OR 97701 Sunriver 541.593.2122 | Sunriver Village Building 5 | Sunriver, OR 97707 Sisters 541.593.4277 | 431 East Cascade Avenue | Sisters, OR 97759 Portland Pearl District 503.420.8600 | 1321 NW Hoyt Street | Portland, OR 97209 Lake Oswego 503.420.8650 | 310 N State Street, Suite 102 | Lake Oswego, OR 97034 SW Washington 360.419.5600 | 400 E Mill Plain Blvd, Suite 305 | Vancouver, WA 98660 Cannon Beach 503.436.9000 | 130 North Hemlock, Suite 1, PO Box 1425 | Cannon Beach, OR 97110 Manzanita 503.368.6609 | 467 Laneda, PO Box 820 | Manzanita, OR 97130 Gearhart 503.738.5100 | 587 Pacific Way, PO Box 2300 | Gearhart, OR 97138

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EACH OFFICE IS INDEPENDENTLY OWNED & OPERATED