20186 Graham Ln, Bend, OR 97703 Property Records

Deschutes County property record for 20186 Graham Ln, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,422 sqft · built 2003
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$437,500 (Apr 2018)
Tax Bill	$5,078 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171220-BA-04724`

Property Details

APN / Parcel Number

Primary APN	`171220-BA-04724`
Alternative APN	`240485`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,422 sqft Living Area
Gross Area	2,998 sqft
1st Floor Area	1,093 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Lot Area	5,663 sqft (0.13 acres)
Garage Area	576 sqft
Deck Area	49 sqft

Location & Zoning

Account Number	240485
Street Address	20186 GRAHAM LN
City	BEND
State	OR
Zip	97703-7065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	RIVERSTONE LOT 15
Legal Range	12
Legal Township	17
Legal Section	20
Legal Subdivision	RIVERSTONE
Legal Lot Number	15
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2016
Census Tract	1102

Owner

20186 Graham Ln is owned and occupied by an individual who bought it in April 2018.

Source: Deschutes County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	20186 GRAHAM LN, BEND, OR 97703-7065
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Apr 6, 2018	Warranty Deed, Transfer · Conventional Mortgage DIRECTORS MORTGAGE INC
Jun 27, 2017	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2018 · Amount on File
Deed Sale	Apr 6, 2018 · Amount on File
Prior Sale	Jun 27, 2017 · Amount on File
Deed Document Number	201813898
Prior Transfer Date	Apr 12, 2013
Prior Transfer Doc	0000015104
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20186 GRAHAM LN, BEND, OR 97703-7065
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030243
Date	Aug 19, 2019
Instrument	2019-30243

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20186 GRAHAM LN, BEND, OR 97703-7065
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061795
Date	Nov 17, 2020
Instrument	2020-61795

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 6, 2018
Property Address	20186 GRAHAM LN, BEND, OR 97703-7065
Document Number	0000013898
Instrument Date	Apr 4, 2018
Instrument	2018-13898
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20186 GRAHAM LN, BEND, OR 97703-7065

Mortgage

Document Number	0000013899
Date	Apr 6, 2018
Instrument	2018-13899

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 27, 2017
Property Address	20186 GRAHAM LN, BEND, OR 97703-7065
Document Number	0000024822
Map Reference	CAB F PG590
Instrument Date	May 26, 2017
Instrument	2017-24822
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	AMERITITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	19701 HARVARD PL, BEND, OR 97702-3010

Mortgage

Document Number	0000024823
Date	Jun 27, 2017
Instrument	2017-24823

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20186 Graham Ln was $5,078, up 3.9% from the year before.

Source: Deschutes County assessment roll, as of November 5, 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	$5,078.00 (+3.93%)	$300,590 (+3%)	$764,020 (+0.52%) Land $253,500 Building $510,520
2024	$4,886.00 (+7.88%)	$291,840 (+3%)	$760,100 (-2.01%) Land $244,500 Building $515,600
2023	$4,529.00	$283,340	$775,730 Land $244,500 Building $531,230

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

Flood

FEMA maps place 20186 Graham Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 20186 Graham Ln is moderate, ranking above 47% of the US, with a 0.09% annual chance of 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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