20243 Gaines Ct, Bend, OR 97702 Property Records

Deschutes County property record for 20243 Gaines Ct, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,513 sqft · built 2001
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$789,999 (Mar 2025)
Tax Bill	$5,923 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181217-AB-05200`

Property Details

APN / Parcel Number

Primary APN	`181217-AB-05200`
Alternative APNs	`R1001181217AB05200` `155185`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,513 sqft Living Area
Gross Area	3,085 sqft
1st Floor Area	1,768 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Area	572 sqft
Deck Area	294 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	155185
Street Address	20243 GAINES CT
City	BEND
State	OR
Zip	97702-2747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	FAIRVIEW ACRES BLOCK 2 LOT 5
Legal Range	12
Legal Township	18
Legal Section	17
Legal Subdivision	FAIRVIEW ACRES
Legal Block	2
Legal Lot Number	5
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2021
Census Tract	2002

Owner

Source: Deschutes County records, as of May 26, 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	20243 GAINES CT, BEND, OR 97702-2747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 28, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2025 · Amount on Record
Deed Sale	Mar 27, 2025 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	20257546
Prior Transfer Date	Oct 5, 2009
Prior Transfer Doc	0000043330
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Jun 8, 2021
Property Address	20243 GAINES CT, BEND, OR 97702-2747
Document Number	0000034600
Instrument Date	Mar 20, 2021
Instrument	2021-34600
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20243 GAINES CT, BEND, OR 97702-2747

Mortgage

Document Number	0000034601
Date	Jun 8, 2021
Instrument	2021-34601

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 28, 2017
Property Address	20243 GAINES CT, BEND, OR 97702-2747
Document Number	0000016239
Instrument Date	Apr 25, 2017
Instrument	2017-16239
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	WESTERN TITLE & ESCROW

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	Right of Survivorship
Address	20243 GAINES CT, BEND, OR 97702-2747

Mortgage

Document Number	0000016240
Date	Apr 28, 2017
Instrument	2017-16240

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$5,923.00 (+3.93%)	$350,590 (+3%)	$961,330 (+1.49%) Land $240,100 Building $721,230
2024	$5,699.00 (+7.87%)	$340,380 (+3%)	$947,190 (-0.8%) Land $240,100 Building $707,090
2023	$5,283.00	$330,470	$954,790 Land $218,240 Building $736,550

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 96% of the US · lower than 99.1% of Oregon
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 288 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Webformix.

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