Central Oregon Relocation Guide

Central Oregon RELOCATION GUIDE

Melanie Maitre, Broker 541.480.4184 | Melanie@TheMaitreGroup.com Josh Maitre, Broker 541.678.3341 | Josh@TheMaitreGroup.com www.BendLivingHomes.com

Table of Contents 1

Cascade Sotheby's

3

About Us

6

Bend Map

7

About Central Oregon

16

Why Work with a Realtor

18

Mortgage

23

Rent vs Buy

25

Home Inspection

27

Escrow

30

What to do in Bend

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.

1

2

DEDICATED TO THE EXTRAORDINARY In a competitive real estate market you need a Realtor more than ever but not just any Realtor. You are going to need one that is willing to go the extra mile. One that is committed to not just looking on the MLS for the homes that are on the market but one that will continue to network and try to find homes for you. Today’s market is competitive so you need a Realtor that will strategize with you and come up with creative ways to make your offer stand out from all the rest. In today’s market it takes a village to get to close, you want someone who has strong communications skills that isn’t afraid to have hard conversations, that will follow up and always put your needs first.

The Maitre Group is just this and more! The Maitre Group is a Mother-Son power team. Melanie started her real estate career in 2009 when the market absolutely crashed, she took the mentality of “If I can survive in this market, I can survive in any”. She didn’t just survive but quickly became a top broker in her community and one that her clients trusted over and over again and continue to refer to their family and friends. Josh grew up watching, learning and caught that “real estate bug” too. Together they teamed up to create the absolute best service for their clients.

Melanie and Josh pride themselves on being a client centered team which means the absolute best real estate experience for you. They will listen to your needs and know your concerns, they will not only look on the MLS for your next home but will be constantly networking behind the scenes and possibly find your home before it comes on the market. They are great communicators with not just their clients but everyone involved in seeing this transaction move as smoothly as possible to close. They are strong, creative negotiators that will present you and your offer in the best possible way. What is probably one of the best qualities of The Maitre Group is they honestly love what they do and will do anything for their clients.

Their absolute goal is to raise that bar when it comes to your opinion of real estate brokers. They want to be your team that you know, trust, seek and refer for any real estate needs. 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 3

Our Past Clients Choosing the right Realtor to represent you in your real estate transaction is a critical part of making a smooth successful transaction. There is so much we can say to ensure you that you have made the right decision in hiring us but here are what clients have said. We hope this helps ease your mind and gives you great confidence that you have made the right decision in choosing The Maitre Group.

We highly recommend the The Maitre Group. Melanie and Josh are both extremely customer service oriented, but beyond that they are patient and sincere in all their interactions. We never felt pressured to make decisions that were not right for us. They showed a great amount of care and empathy for our situation, especially the emotions that present when parting with a home that provided our family with so many memories. They assisted us throughout the escrow process, including arranging for several service providers and ensuring a successful closing. We will definitely use The Maitre Group for future transactions; we very much appreciate and value the relationship we have developed with Melanie and Josh. - Carol & Ron S Melanie and Josh were fantastic! They sold our home in a couple of days above asking price. What more could we ask for? They were kind, patient, intelligent, professional, accommodating, and understanding every step of the way. They even went above and beyond - helping with moving out of our home on moving day when we could not be there. I highly recommend them! - Emily H The Maitres were so amazing to work with and made the home buying process easy and understandable! They asked for some top things we wanted in a house collected a few listings to show us and we found our forever home on our first day out touring homes! I was so stressed out thinking about how the home buying process goes and they always had a way of explaining things that made sence to me in simple terms! I would and will, recommend them to anyone I know trying to buy or sell a house! We love our new home!! - Kaylynn C 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 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! - Dave L

4

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 5

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DISCLAIMER: This map is for reference purposes only.

The information was obtained from Deschutes County G.I.S., City of Bend land records, and Neighborhood Association boundaries. Care was taken in the creation of this map, but it is provided "AS IS". Please contact the City of Bend to verify map information or report errors.

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6

Central Oregon CENTRAL OREGON IS A LIFESTYLE CHOICE, OFFERING YEAR-ROUND RECREATIONAL OPPORTUNITIES. For most new residents, Central Oregon is a lifestyle choice, offering year-round recreational opportunities and world-class amenities, all with the benefits of small-town living. The region consists of Deschutes, Jefferson and Crook counties, with a combined population of approximately 235,250. Deschutes is the largest of the three counties, and Bend is the hub and most populous city in the region.

Central Oregon is surrounded by natural beauty to be enjoyed during every season. With the Cascade Mountain Range to the west, the smaller Ochoco Mountains to the east, and the Deschutes and Columbia rivers meandering through the region, it’s no wonder that recreation is king here.

The region boasts more than 30 golf courses, whitewater rafting, world-class fly-fishing, more than 1,000 climbing routes, 3,600 skiable acres at Mt. Bachelor and another ski destination at Hoodoo in Sisters, along with 1,200 miles of narrow dirt mountain bike trails (or singletrack), which double as snowshoeing and nordic skiing trails in the winter. Other options include paddle-boarding, kayaking and canoeing on one of the 40 lakes in the region, hiking, camping, horseback riding or exploring thousands of acres of parks.

Locally owned boutiques, wine shops, coffeehouses and restaurants line the streets of each Central Oregon town, all boasting unique personalities.

Living on the land in Central Oregon could be living the rural lifestyle, having room to breathe and property to roam. It could be a place to raise your family or to pursue the dream of raising horses, cattle, llamas or the increasingly popular alpacas.

In Oregon and Southwest Washington, land is abundant and temperatures are ripe for gardening and organic growing.

In recent years, people with energy and ideas have discovered Central Oregon for a number of business-related reasons.

The tech industry is booming, the medical field is drawing world-class care providers from all over the world, the outdoor recreation sector has experienced tremendous growth, and the overall health of the entrepreneur is visible everywhere.

7

7 Reasons to Move to Central Oregon 1. ENDLESS OPPORTUNITIES FOR OUTDOOR RECREATION Whether you are interested in water sports, climbing, mountain biking, or hiking, Central Oregon has it all. Just want to explore? Check out Central Oregon's varied landscapes by hiking the Newberry Lava Caves, taking in the high desert mountains at Smith Rock State Park, or enjoying your favorite winter sport at Mount Bachelor.

2. GREAT WEATHER 300 days of sunshine is almost unheard of but not for Central Oregon! Most of our wet days come in the form of snow in the winter.

3. LIGHT TRAFFIC According to recent U.S. Census Bureau statistics, the average Bend (Central Oregon's most populated city) resident’s commute is still around 15 minutes.

4. LAID BACK ENVIRONMENT WITH FRIENDLY PEOPLE People in Central Oregon understand the balance in working hard and playing hard. It is not uncommon for people to bring their dogs to work and have 'powder days' when Mount Bachelor has had some good snow. There is a strong sense of community and residents of Central Oregon are known to be extremely friendly and welcoming.

5. CRAFT BEER With one brewery for every 9,111 people it is no surprise that Bend has been named "Beer Town USA." People in Central Oregon take their beer seriously. You are sure to find a brewery that fits your beer needs.

6. PARKS Bend has more than 80 local parks throughout the city, which make up 2,600 acres of outdoor space. Each park is beautiful and meticulously well groomed.

7. A GREAT PLACE TO RAISE A FAMILY From the great school systems, multitudes of cultural events and resources, outdoor activities, and low crime rates, Central Oregon is a wonderful place to start and raise a family!

8

Central Oregon Communities

BEND

TUMALO

SUNRIVER

SISTERS

Best known for luxury resort living, stunning ranch properties, scenic mountain views, endless hiking and biking trails, winter sports and world-class golf.

Many parcels here are on 20 acres or more, which makes Tumalo a decidedly rural setting, despite the fact that it’s just minutes from Bend.

Located on the Deschutes River this area is just 15 miles south of Bend at the base of the Cascade Range.

This enchanting town offers stunning natural beauty and a wide variety of outdoor adventures and cultural activities that appeal to all interests.

BLACK BUTTE RANCH

REDMOND

TERREBONNE

LA PINE

The awe-inspiring scenery teamed with our abundant year-round recreation is what makes Black Butte such a special place,

One of Oregon’s fastestgrowing residential communities particularly well known for stunning views of The Cascade Range.

An excellent place for those looking for that small-town charm and never ending outdoor recreation.

A small frontier town nestled in the foothills of the Cascade Mountains, surrounded by open meadows, lakes and rivers.

PRINEVILLE

POWELL BUTTE

CULVER

MADRAS

While small, the city has enjoyed general prosperity through wood products, tourism and even has some tech influences.

Located west of Prineville and east of Redmond and is an unincorporated community named after the nearby Powell Butte.

The Ochocos on one side and the Deschutes National Forest on the other, Culver offers access to epic hiking, mountain biking, and crosscountry skiing.

Originally named “The Basin” due to the circular valley, its uniquely beautiful landscape is only one of the fascinating features of Madras.

9 10

Central Oregon Demographics BEND HAS BEEN AMONG THE 15 FASTEST GROWING CITIES IN THE U.S. FOUR OF THE LAST FIVE YEARS. Economic Development for Central Oregon (EDCO) publishes a yearly profile that provides a statistical overview of the region. This annual report includes data on the regional economy, with trend information about employment, population, housing prices, utility costs, transportation, climate, largest employers and more. Here are some EDCO highlights: "With over 4.5 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.

In fact, Bend has been among the 15 fastest growing cities in the U.S. four of the last five years. 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."

Central Oregon Economic Profile | Copyright 2019 EDCO

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

#2

FASTEST POPULATION GROWTH IN THE U.S. - WalletHub 2020

According to the Deschutes County findings on Percentage of Residents who own Their Homes, around 65% of Deschutes County residents own their homes, which is lower than the percent in Crook County and Jefferson County. Since the 2015 RHA was published, the percentage of residents who own their homes decreased in Crook and Deschutes Counties, but increased in Jefferson County.

Since the 2015 Regional Health Assessment (RHA) was published, the population sizes of Crook, Deschutes, and Jefferson Counties have all increased. Of the three Central Oregon counties, Jefferson County was the fastest growing county by percentage.

#1

IN JOB GROWTH IN THE U.S. - WalletHub 2020

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

11

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

12

TRANSPORTATION Average Commute Times

AIR

32.8 min

30.9 min

30 min

27.5 min

26.1 min

25.3 min

20 min

15.3 min

10 min

Redmond Municipal Airport (RDM; www.flyrdm.com) provides commercial air service with 30 daily round-trip flights to Denver, Las Vegas, Los Angeles, Mesa, Phoenix, Portland, Salt Lake City, San Francisco, and Seattle via five carriers (Alaska, Allegiant, American, Delta, and United).

0 min

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The Central Oregon average commute time is

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

Source: Census.gov 2019

Travel Time & Distance by Car BEND, OR

RAIL

PORTLAND, OR

153 miles 3 hours, 13 minutes

OLYMPIA, WA

269 miles 4 hours, 55 minutes

Burlington Northern-Santa Fe (BNSF), Union Pacific (UPRR) and the City of Prineville Railway (COPR) provide

SEATTLE, WA

328 miles 5 hours, 45 minutes

173 miles 3 hours, 22 minutes

BOISE, ID

317 miles 5 hours, 19 minutes

SAN FRANCISCO, CA

direct connections for shipping to any market in the United States, Canada and Mexico.

MEDFORD, OR

491 miles 7 hours, 54 minutes

LOS ANGELES, CA

821 miles 12 hours, 39 minutes

Travel Time By Air REDMOND, OR

FREIGHT

PORTLAND, OR

RDM

40 min

SEATTLE, WA SALT LAKE CITY, UT

1 hour

1 hour, 30 minutes

LAS VEGAS, NV

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).

SAN FRANCISCO, CA 1 hour, 40 minutes

1 hour, 43 minutes

DENVER, CO

LOS ANGELES, CA 2 hour, 10 minutes

2 hours, 15 minutes

CHICAGO, IL

PHOENIX & MESA, AZ 2 hour, 25 minutes

3 hours, 40 minutes

13

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

14

BUYING A HOME IN CENTRAL OREGON

15

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!

16

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.

17

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.

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.

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.

18

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.) › F or a VA loan, Certificate of Eligibility or DD214s › Divorce decree if applicable › Funds to pay upfront for the credit report

19

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?

20

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.

21

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.

22

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

________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ 23

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.

24

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.

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.

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.

25

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.

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.

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.

26

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.

27

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!

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.

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

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

28

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.

29

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

Pilot Butte Neighborhood Park

1310 NE Highway 20

Columbia Park

264 NW Columbia Street

Pine Nursery Park

3750 NE Purcell Blvd.

Compass Park

2500 NW Crossing Drive

Pine Ridge Park

61250 Linfield Ct

Davis Park Site

Revere Street (end)

Pine Tree Park Site

Intersection of Purcell St. & Empire Ave.

Deschutes River Trail

N/A

Pioneer Park

1525 Wall Street 225 SE 15th Street

District Office

799 SW Columbia St. phone 541.389.7275

Ponderosa Park Providence Park

1055 NE Providence Drive

NW Drake and Dohema Streets

Quail Park

2755 NW Regency Street

Drake Park and Mirror Pond

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

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

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

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 SE 5th and Roosevelt Avenue

Dohema River Access

First Street Rapids Park

High Desert Park Site

Hixon Park

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

800 SE Centennial Blvd.

Vince Genna Stadium

Larkspur Park

1700 SE Reed Market Road

Wildflower Park

60955 River Rim Drive

1600 SE Reed Market Road

Woodriver Park

61690 Woodriver Drive

Larkspur Trail

30

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)

1.3 miles, Sawyer Park to First St. Rapids Park

Deschutes River Trail (Pioneer Reach)

2.4 miles, First St. Rapids Park to Columbia Park

Deschutes River Trail (Old Mill Reach)

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

Deschutes River Trail (South Canyon Reach)

4.3 miles, Haul Road Trail to River Rim Park

Discovery Trail

0.7 miles, Shevlin Park Road to Skyliners Road

East Bend Canal Trail

1.1 miles, 27th Street to East Bend Canal

Haul Road Trail

3.3 miles, Bill Healy Bridge to USFS boundary

Larkspur Trail (North)

2.3 miles, US20 underpass to Stover Park

Larkspur Trail (South)

1.8 miles, Larkspur Park to US20 underpass

North Parkway Trail

0.5 miles, Butler Market Road to Empire Avenue

North Unit Canal Trail

1.5 miles, Deschutes River to Canal Row Park

Pilot Butte Canal Trail

1.7 miles, Canal Row Park to Pine Nursery Park

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)

DOG OFF-LEASH PARKS

LOCATION

Big Sky

21690 Neff Rd.

Discovery Park

1315 NW Discovery Park Drive

Riverbend Park

799 SW Columbia St. River Access Available

Ponderosa Community Park

225 SE 15th St.

Pine Nursery Community Park

NE Purcell Rd.

Hollinshead Community Park

1235 NE Jones Rd.

Overturf Butte Reservoir

Skyliner Summit Loop

Awbrey Reservoir

NW 10th and Trenton

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.

For a full listing of off-leash areas in the region visit www.dogpac.org For a Detailed List of Dog Parks Visit: www.bendparksandrec.org/Parks__Trails/Dogs_in_Parks

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

31

Wineries/Vineyards WINE TASTING Bledsoe Family Winery

VINEYARDS & WINERIES 555 NW Arizona Ave Bend OR 97703 phone : 541.797.6502 info : bledsoefamilywinery.com location :

Faith, Hope and Charity Vineyards

location : phone : info : location :

11 NW Lave Road Bend OR phone : 541.388.5330 info : www.elixirwinegroup.com location :

Elixir Wine

location :

Naked Winery

phone : info :

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

Maragas Winery

info : location :

Marks Ridge Winery

Portello Wine Cafe

phone : info :

Southern Wine Group Wine Outlet & Tasting Bar

location : phone : info :

2754 NW Crossing Drive Bend, OR 97701 541.385.1777 www.portellowinecafe.com 550 SW Industrial Way, Bend, OR 97702 541.388.5332 www.southernwinegroup.com

phone : info : location :

Piluso Vineyard location :

phone :

phone : info : location :

Silver Falls Vineyards

phone : info : location :

Va Piano Vineyards

phone : info :

The Wine Shop & Tasting Bar

location : phone : info :

55 NW Minnesota Ave., Bend, OR 97702 541.389.2884 www.thewineshopbend.com

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

32

Breweries 1135 NW Galveston Ave. Bend, OR 97701 phone : 541.678.5228 info : www.10barrel.com location : 62950 NE 18th St. Bend, OR 97701 phone : 541.241.7733 info : www.10barrel.com location : 1019 NW Brooks St. Bend, OR 97701 phone : 541.383.1599 info : www.bendbrewingco.com location :

10 Barrel - West

10 Barrel - East

Bend Brewing Company

911 SE Armour Rd. Ste. B Bend, OR 97702 www.bevelbeer.com

info :

Goodlife Brewing Company McMenamins Old St. Francis School

location :

Bevel info :

37 NW Lake Place Bend, OR 97701 phone : 541.323.2325 info : www.boneyardbeer.com location : 1955 NE Division St. Bend, OR 97701 phone : 541.323.2325 info : www.boneyardbeer.com

Boneyard Beer (2nd Location) Boss Rambler Beer Club

location :

Bridge 99 info :

Cascade Lakes Brewing Crux Fermentation Project

Deschutes Brewery

Deschutes Brewery Tasting Room

Silver Moon Brewing

803 SW Industrial Way Bend OR 97702 info : www.monkless.com

phone : info :

Spider City Brewing Company

24 NW Greenwood Ave.

Bend, OR 97701 541.388.8331 www.silvermoonbrewing.com 77 SE 9th St, Bend, OR 97702 www.spidercitybrewing.com

location : info :

1005 NW Galveston Ave Bend, OR 97703 phone : 541.408.9377 info : www.sunriverbrewingcompany.com location : 61517 River Rd. Bend OR 97701 phone : 541.318.9143 info : www.thealeapothecary.com location :

1009 NW Galveston Ave Bend, OR 97701 www.bossrambler.com

Sunriver Brewing

Brewery 63063 Layton Ave Bend OR 97701 www.bridge99brewery.com

The Ale Apothecary

1441 SW Chandler Ave. #100 Bend, OR 97702 phone : 541.388.4998 info : www.cascadelakes.com location : 50 SW Division St. Bend, OR 97702 phone : 541.385.3333 info : www.cruxfermentation.com location : 1044 NW Bond St. Bend, OR 97701 phone : 541.382.9242 info : www.deschutesbrewery.com location : 901 SW Simpson Ave. Bend, OR 97702 phone : 541.385.8606 info : www.deschutesbrewery.com

70 SW Century Dr. Bend, OR 97702 phone : 541.728.0749 info : www.goodlifebrewing.com location : 700 NW Bond St. Bend, OR 97701 phone : 541.382.5174 info : www.mcmenamins.com location :

location :

location : info :

location :

Monkless Belgian Ales

location :

Boneyard Beer

550 SW Industrial Way, #185 Bend OR 97702 www.imbrewing.com

location :

Immersion

location :

1400 College Way Bend OR 97701 www.thegrowlerguys.com

location :

The Growler Guys info : location :

Worthy Brewing

phone : info :

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

33

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 :

34

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 :

35

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 10 Barrel - West

phone : info :

62910 OB Riley Rd. Bend, OR 97701 http://themckaycottage.com 1110 NW Newport Ave. Bend, OR 97701 541.728.0256 http://chowbend.com

location :

#8 Deschutes Brewery

info :

location :

#9 Kebaba

50 SE Scott St. Bend, OR 97702 541.330.6321 www.thesparrowbakery.net

#10 Barrio

919 NW Bond Bend, OR 97701 541.312.2899 www.zydecokitchen.com

#11 Trattoria Sbandati

location :

location : phone : info :

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 :

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

location :

#6 10 Barrel - East

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

36

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 La Magie Bakery & Café

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 :

location :

#31 Chi Chinese & Sushi Bar

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 945 NW Bond St Bend OR 97701 541.241.7884 www.lamagiecafe.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 70 NW Newport Ave., Bend, OR 97703 541.317.0727 www.bendchi.com

37

Camping & Hiking Map

37

| Official Visitor Guide for Bend | visitbend.com | toll free 1-866-292-0141

39

POPUL AR 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

POPUL AR BIKE ROUTES A First St. Rapids/Sawyer Park (Easy-Moderate; Varying Lengths) B Swampy Lakes Trails C Phil’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.

40

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/

38

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

CascadeSothebysRealty.com