20235 Hardy Rd, Bend, OR 97703 Property Records

Deschutes County property record for 20235 Hardy Rd, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,088 sqft · built 1996
Lot Size	2.47 acres (107,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Aug 2026)
Tax Bill	$9,885 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`171217-DB-01300`

Property Details

APN / Parcel Number

Primary APN	`171217-DB-01300`
Alternative APNs	`R1001171217DB01300` `188179`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,088 sqft Living Area
Gross Area	3,882 sqft
1st Floor Area	2,257 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	107,593 sqft (2.47 acres)
Garage Area	794 sqft
Deck Area	94 sqft
Patio Area	780 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	188179
Street Address	20235 HARDY RD
City	BEND
State	OR
Zip	97703-9022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	FORMERLY PART OF TAX LOT 171217D0 502 * TRACT 18: * PARCEL 1, PARTITION PLAT NO. 1995-9 2.47 AC
Legal Range	12
Legal Township	17
Legal Section	17
Legal Subdivision	PARTITION 1995-9
Legal Tract	18
Legal Block	9
Legal Lot Number	18
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2013
Census Tract	1102

Owner

Source: Deschutes County records, as of September 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	250 NW FRANKLIN AVE, 401, BEND, OR 97703-2814
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY HOUSING SERVICES
Sep 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY HOUSING SERVICES
Aug 5, 2026	Bargain and Sale Deed, Transfer · Construction Mortgage CJS LAND SERVICES, SF LAND SERVICES
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	Aug 8, 2025 · Amount on Record
Deed Document Number	202623315
Prior Transfer Date	Sep 17, 2010
Prior Transfer Doc	0000037295
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Sep 15, 2026
Property Address	20235 HARDY RD, BEND, OR 97703-9022
Document Number	0000027711
Instrument Date	Sep 14, 2026
Instrument	202627711
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103

Mortgage

Document Number	0000027711,
Date	Sep 15, 2026
Instrument	202627711

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	28 Months
Due	Jan 3, 2029

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Sep 15, 2026
Property Address	20235 HARDY RD, BEND, OR 97703-9022
Document Number	0000027725
Instrument Date	Sep 9, 2026
Instrument	202627725
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103

Mortgage

Document Number	0000027725,
Date	Sep 15, 2026
Instrument	202627725

Lender

Name	COMMUNITY HOUSING SERVICES

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	279 Months
Due	Dec 31, 2049

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Sep 15, 2026
Property Address	20235 HARDY RD, BEND, OR 97703-9022
Document Number	0000027726
Instrument Date	Sep 9, 2026
Instrument	202627726
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	20235 HARDY RD, BEND, OR 97703-9022

Mortgage

Document Number	0000027726,
Date	Sep 15, 2026
Instrument	202627726

Lender

Name	COMMUNITY HOUSING SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	279 Months
Due	Dec 31, 2049

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 5, 2026
Property Address	20235 HARDY RD, BEND, OR 97703-9022
Document Number	0000023315
Instrument Date	Aug 5, 2026
Instrument	202623315
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	CJS LAND SERVICES, SF LAND SERVICES

Transaction

Amount	Amount Recorded
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	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023316,
Date	Aug 5, 2026
Instrument	202623316

Lender

Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Dec 31, 2026

Interest

Rate	6.49%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 23, 2021
Property Address	20235 HARDY RD, BEND, OR 97703-9022
Document Number	0000043324
Instrument Date	Jul 16, 2021
Instrument	2021-43324
Transaction Type	Transfer
Record Updated	Nov 21, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	20235 HARDY RD, BEND, OR 97703-9022
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043325
Date	Jul 23, 2021
Instrument	2021-43325

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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	$9,885.00 (+3.94%)	$585,080 (+3%)	$1,819,550 (+18.57%) Land $457,130 Building $1,362,420
2024	$9,510.00 (+7.87%)	$568,040 (+3%)	$1,534,550 (-) Land $399,200 Building $1,135,350
2023	$8,816.00	$551,500	$1,534,550 Land $399,200 Building $1,135,350

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 54% of the US · lower than 79% of Oregon
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 453 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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