20246 Gaines Ct, Bend, OR 97702 Property Records

Deschutes County property record for 20246 Gaines Ct, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,079 sqft · built 2001
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Mar 2026)
Tax Bill	$5,354 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181217-AB-04700`

Property Details

APN / Parcel Number

Primary APN	`181217-AB-04700`
Alternative APNs	`R1001181217AB04700` `155170`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,079 sqft Living Area
Gross Area	2,898 sqft
1st Floor Area	2,079 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood Shingle
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Area	819 sqft
Deck Area	738 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	155170
Street Address	20246 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 1 LOT 4
Legal Range	12
Legal Township	18
Legal Section	17
Legal Subdivision	FAIRVIEW ACRES
Legal Block	1
Legal Lot Number	4
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2021
Census Tract	2002

Owner

20246 Gaines Ct is owned and occupied by two individuals who bought it in March 2026.

Source: Deschutes County records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20246 GAINES CT, BEND, OR 97702-2747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Mar 25, 2026	Warranty Deed, Transfer · Conventional Mortgage NBH BANK NA
Mar 28, 2023	Warranty Deed, Transfer · Conventional Mortgage UPWELL MORTGAGE INC
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONPOINT COMMUNITY CU
Jan 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2026 · Amount on File
Deed Sale	Mar 25, 2026 · Amount on File
Prior Sale	Mar 28, 2023 · Amount on File
Deed Document Number	20268277
Prior Transfer Date	Oct 7, 2014
Prior Transfer Doc	0000033720
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 25, 2026
Property Address	20246 GAINES CT, BEND, OR 97702-2747
Document Number	0000008277
Instrument Date	Mar 18, 2026
Instrument	2026-08277
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	WESTERN 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20246 GAINES CT, BEND, OR 97702-2747

Mortgage

Document Number	0000008278
Date	Mar 25, 2026
Instrument	2026-08278

Lender

Name	NBH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 28, 2023
Property Address	20246 GAINES CT, BEND, OR 97702-2747
Document Number	0000006959
Instrument Date	Mar 24, 2023
Instrument	2023-06959
Transaction Type	Transfer
Record Updated	Apr 19, 2023
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20246 GAINES CT, BEND, OR 97702-2747

Mortgage

Document Number	0000006960
Date	Mar 28, 2023
Instrument	2023-06960

Lender

Name	UPWELL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20246 GAINES CT, BEND, OR 97702-2747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070698
Date	Dec 28, 2020
Instrument	2020-70698

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20246 GAINES CT, BEND, OR 97702-2747
Document Number	0000002321
Instrument Date	Jan 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20246 GAINES CT BEND OR 977022747, BEND, OR 97702-2747

Mortgage

Document Number	0000002321
Date	Jan 19, 2018
Instrument	2321

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20246 Gaines Ct was $5,354, 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	$5,354.00 (+3.94%)	$316,880 (+3%)	$951,870 (+1.45%) Land $257,500 Building $694,370
2024	$5,151.00 (+7.87%)	$307,660 (+3%)	$938,250 (-0.44%) Land $257,500 Building $680,750
2023	$4,775.00	$298,700	$942,380 Land $233,270 Building $709,110

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

FEMA maps place 20246 Gaines Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20246 Gaines Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% of Oregon
Wildfire Likelihood	Under 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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