20366 Elaine Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20366 Elaine Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,325 sqft · built 2017
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$699,000 (Dec 2023)
Tax Bill	$4,596 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2023 Sale & Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`181208-AD-00407`

Property Details

APN / Parcel Number

Primary APN	`181208-AD-00407`
Alternative APN	`259865`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,325 sqft Living Area
Gross Area	2,944 sqft
1st Floor Area	960 sqft
Family Room	Family Room
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Lot Area	6,534 sqft (0.15 acres)
Garage Area	619 sqft

Location & Zoning

Account Number	259865
Street Address	20366 ELAINE LN
City	BEND
State	OR
Zip	97702-3532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BAILEY LOT 31
Legal Range	12
Legal Township	18
Legal Section	08
Legal Subdivision	BAILEY
Legal Lot Number	31
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1023
Census Tract	2002

Owner

Source: Deschutes County records, as of May 21, 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	20366 ELAINE LN, BEND, OR 97702-3532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 20, 2023	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Feb 7, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE
Sep 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage F&A FEDERAL CREDIT UNION
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage BOEING EMPS CU
Jul 28, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI LOANDEPOT.COM LLC
Mar 17, 2017	Grant Deed, Construction Loan · Line of Credit WASHINGTON FED'L SVGS
Feb 1, 2017	Grant Deed, Construction Loan · Line of Credit WASHINGTON FED'L SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Jul 22, 2022 · Amount on Record
Deed Document Number	202331130
Prior Transfer Date	Feb 7, 2023
Prior Transfer Doc	0000002843
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20366 ELAINE LN, BEND, OR 97702-3532

Mortgage

Document Number	0000000702
Date	Jan 9, 2026
Instrument	2026-00702

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 20, 2023
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Document Number	0000031130
Map Reference	CAB H PG 533
Instrument Date	Dec 15, 2023
Instrument	2023-31130
Transaction Type	Transfer
Record Updated	Jan 10, 2024
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	20366 ELAINE LN, BEND, OR 97702-3532

Mortgage

Document Number	0000031131
Date	Dec 20, 2023
Instrument	2023-31131

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Feb 7, 2023
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Document Number	0000002843
Map Reference	CAB H PG 533
Instrument Date	Feb 7, 2023
Instrument	2023-02843
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE

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	Revocable Trust
Address	20366 ELAINE LN, BEND, OR 97702-3532

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	WESTERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20366 ELAINE LN, BEND, OR 97702-3532

Mortgage

Document Number	0000034764
Date	Sep 16, 2022
Instrument	2022-34764

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 22, 2022
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Document Number	0000028623
Map Reference	CAB H PG 533
Instrument Date	Jul 20, 2022
Instrument	2022-28623
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	AMERITITLE

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	20366 ELAINE LN, BEND, OR 97702-3532

Mortgage

Document Number	0000028624
Date	Jul 22, 2022
Instrument	2022-28624

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021571
Date	Apr 6, 2021
Instrument	2021-21571

Lender

Name	F&A FEDERAL CREDIT UNION
Address	MONTEREY PARK, CA 91754

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 22, 2019
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Document Number	0000045826
Instrument Date	Nov 22, 2019
Instrument	45826
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1132 1/2 CARDIFF AVE LOS ANGELES CA 900351360, LOS ANGELES, CA 90035-1360

Mortgage

Document Number	45827
Date	Nov 22, 2019
Instrument	45827

Lender

Name	BOEING EMPS CU
Type	Credit Union
Address	TUKWILA, WA 98168

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 28, 2017
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Document Number	0000029501
Instrument Date	Jul 7, 2017
Instrument	29501
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2017
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$373.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20366 ELAINE LN BEND OR 977023532, BEND, OR 97702-3532

Mortgage

Document Number	29502
Date	Jul 28, 2017
Instrument	29502

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2047

March 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 17, 2017
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Instrument Date	Mar 1, 2017
Instrument	10283
Transaction Type	Construction Loan
Record Updated	Apr 3, 2017
Title Company	AMERITITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2464 SW GLACIER PL #110 REDMOND OR 977567731, 110, REDMOND, OR 97756-7731
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010283
Date	Mar 17, 2017
Instrument	10283

Lender

Name	WASHINGTON FED'L SVGS
Type	Federal Savings Bank
Address	572 SW BLUFF DR # 110, BEND, OR 97702-3607

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 16, 2018

Interest

Rate Type	Adjustable Rate

February 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	DESCHUTES OR
Recording Date	Feb 1, 2017
Property Address	20366 ELAINE LN, BEND, OR 97702-3532
Document Number	0000004271
Instrument Date	Jan 25, 2017
Instrument	4271
Transaction Type	Construction Loan
Record Updated	Feb 9, 2017
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Tax	$1,130.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2464 SW GLACIER PL #110 REDMOND OR 977567731, 110, REDMOND, OR 97756-7731
Investor	Possibly a Property Investor

Mortgage

Document Number	4272
Date	Feb 1, 2017
Instrument	4272

Lender

Name	WASHINGTON FED'L SVGS
Type	Federal Savings Bank
Address	572 SW BLUFF DR # 110, BEND, OR 97702-3607

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 31, 2018

Interest

Rate Type	Adjustable Rate

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	$4,596.00 (+3.93%)	$272,030 (+3%)	$697,700 (-3.36%) Land $176,320 Building $521,380
2024	$4,422.00 (+7.88%)	$264,110 (+3%)	$721,980 (-) Land $189,960 Building $532,020
2023	$4,099.00	$256,420	$721,980 Land $189,960 Building $532,020

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 97% of the US · lower than 99.3% 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.

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 Fiber · Cable	1,000 / 1,000
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
Webformix Fixed Wireless	200 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20