20185 Graham Ln, Bend, OR 97703 Property Records

Deschutes County property record for 20185 Graham Ln, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,954 sqft · built 2003
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Owner Names on Record
Last Sale	$230,000 (Oct 2004)
Tax Bill	$4,711 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171220 BA 04721`

Property Details

APN / Parcel Number

Primary APN	`171220 BA 04721`
Alternative APN	`240482`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,954 sqft Living Area
1st Floor Area	866 sqft
2nd Floor Area	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Split Level
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Mixed
Garage Area	581 sqft
Deck Area	105 sqft

Location & Zoning

Account Number	240482
Street Address	20185 GRAHAM LN
City	BEND
State	OR
Zip	97703-7065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT:18 SUBD:RIVERSTONE SEC/TWN/RNG/MER:SEC 20 TWN 17 RNG 12 MAP REF:171220-BA
Legal Range	12E
Legal Township	17S
Legal Section	20
Legal Quarter	NW
Quarter-Quarter Section	NE
Legal Subdivision	RIVERSTONE
Legal Lot Number	18
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2016
Census Tract	1102

Owner

Source: Deschutes County records, as of January 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	20185 GRAHAM LN, BEND, OR 97703-7065
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2004 · Amount on Record
Deed Sale	Oct 29, 2004 · Amount on Record
Deed Document Number	2004-65336
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20185 GRAHAM LN, BEND, OR 97703-7065
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057611
Date	Oct 11, 2021
Instrument	2021-57611

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2031

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20185 GRAHAM LN, BEND, OR 97703-7065
Document Number	0000032077
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20185 GRAHAM LN BEND OR 977037065, BEND, OR 97703-7065

Mortgage

Document Number	0000032077
Date	Jul 6, 2020
Instrument	32077

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 5, 2030

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
Municipality	Bend City
Unified School District	Bend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,711.00 (+3.93%)	$278,870 (+3%)	$699,040 (+0.66%) Land $253,500 Building $445,540
2024	$4,533.00 (+7.88%)	$270,750 (+3%)	$694,470 (-1.93%) Land $244,500 Building $449,970
2023	$4,202.00	$262,870	$708,120 Land $244,500 Building $463,620

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 11, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Oregon
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BEND serves 77,704 people · EPA ID OR4100100
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: Fatbeam, Lightspeed Networks.

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