Local Rules Matter: What Deschutes County Doesn’t Tell You Until It’s Too Late

Buying a home in Central Oregon isn’t just about finding the right floor plan—it’s about knowing the rules that govern what you can and can’t do once you own it. From zoning restrictions to HOA bylaws, ignoring the fine print can lead to costly mistakes (and sometimes even lawsuits). Here’s what every buyer needs to know before closing.

1. Zoning and Land-Use Restrictions

Deschutes County is strict when it comes to land use. That dreamy piece of acreage in Tumalo? You may not be able to build an ADU, add a shop, or run a short-term rental without jumping through hoops. Always check zoning before you buy.

2. Short-Term Rental (STR) Rules in Bend

Not every house in Bend can be turned into an Airbnb. Permits are capped, neighborhoods have density limits, and competition is fierce. Buying with “STR income potential” in mind? Double-check eligibility first.

3. HOA Covenants, Conditions & Restrictions (CC&Rs)

Neighborhoods like Tetherow, Broken Top, and Shevlin West are beautiful, but HOAs can dictate paint colors, landscaping, fencing, even whether you can park your RV. These rules protect values—but they also limit flexibility.

4. Septic and Well Regulations

Many rural homes in Sisters, La Pine, and Powell Butte rely on wells and septic systems. Deschutes County requires records of pumping and inspections. Non-compliance? You may inherit someone else’s expensive mess.

5. Wildfire Defensible Space Laws

Oregon has tightened rules around defensible space. Depending on your location, you may be required to clear vegetation, maintain fire breaks, or use fire-resistant materials. These can impact both insurance rates and resale.

6. Building Permits & Renovations

Thinking of remodeling or adding on? Bend is known for strict permitting and inspection processes. DIY work without permits can sink your resale and stall closings when lenders request records.

Why Local Rules Make or Break Your Investment

Ignoring these regulations doesn’t just cause headaches—it can cost you money, restrict your property use, or limit resale value. Knowing the rules upfront means you buy smarter and avoid nasty surprises.

Don’t Navigate Local Rules Alone

At Nexus 360 Realty, we guide buyers through the fine print—zoning maps, HOA docs, county rules—so you know exactly what you’re getting into before you sign.
👉 Book a buyer strategy session and buy with confidence.