20292 Hardy Rd, Bend, OR 97703 Property Records

Deschutes County property record for 20292 Hardy Rd, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,787 sqft · built 2018
Lot Size	0.13 acres (5,663 sqft)
Owner	Company Name on File
Last Sale	$745,000 (Feb 2022)
Tax Bill	$5,126 (2025)
Deeds & Mortgages	Feb 2022 Sale & Line of Credit Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171217-DB-00101`

Property Details

APN / Parcel Number

Primary APN	`171217-DB-00101`
Alternative APN	`260227`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,787 sqft Living Area
Gross Area	2,230 sqft
1st Floor Area	1,787 sqft
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	5,663 sqft (0.13 acres)
Garage Area	443 sqft

Location & Zoning

Account Number	260227
Street Address	20292 HARDY RD
City	BEND
State	OR
Zip	97703-9022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CLEARSTONE PHASE I LOT 20
Legal Range	12
Legal Township	17
Legal Section	17
Legal Subdivision	CLEARSTONE PHASE I
Legal Lot Number	20
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2009
Census Tract	1102

Owner

20292 Hardy Rd is owned by a company that bought it in February 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	20292 HARDY RD, BEND, OR 97703-9022
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Feb 15, 2022	Warranty Deed, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 12, 2019	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jan 31, 2018	Warranty Deed, Transfer WESTERN TITLE AND ESCROW COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on File
Deed Sale	Feb 15, 2022 · Amount on File
Prior Sale	Jul 12, 2019 · Amount on File
Deed Document Number	20226423
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Feb 15, 2022
Property Address	20292 HARDY RD, BEND, OR 97703-9022
Document Number	0000006423
Map Reference	CAB H PG 549
Instrument Date	Feb 15, 2022
Instrument	2022-06423
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	WESTERN TITLE & ESCROW

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
Address	20292 HARDY RD, BEND, OR 97703-9022

Mortgage

Document Number	0000006424
Date	Feb 15, 2022
Instrument	2022-06424

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 12, 2019
Property Address	20292 HARDY RD, BEND, OR 97703-9022
Document Number	0000024276
Map Reference	CAB H PG 549
Instrument Date	Jul 9, 2019
Instrument	2019-24276
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	WESTERN TITLE & ESCROW

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	PO BOX 714, LINCOLN CITY, OR 97367-0714

Mortgage

Document Number	0000024277
Date	Jul 12, 2019
Instrument	2019-24277

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jan 31, 2018
Property Address	20292 HARDY RD, BEND, OR 97703-9022
Document Number	0000004031
Instrument Date	Jan 30, 2018
Instrument	4031
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	WESTERN TITLE AND ESCROW COMPANY

Transaction

Amount	Amount on Record
Tax	$115.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63367 BRITTA ST BEND OR 977039466, BEND, OR 97703-9466

Tax Assessment & Valuation

The 2025 property tax bill for 20292 Hardy Rd was $5,126, 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	$5,126.00 (+3.93%)	$303,430 (+3%)	$756,470 (-0.3%) Land $253,500 Building $502,970
2024	$4,932.00 (+7.87%)	$294,600 (+3%)	$758,760 (-4.45%) Land $244,500 Building $514,260
2023	$4,572.00	$286,020	$794,060 Land $244,500 Building $549,560

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 20292 Hardy Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20292 Hardy Rd is moderate, ranking above 54% of the US, with a 0.1% annual chance of 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.

Nearby Properties on Hardy Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures