20372 Lois Way, Bend, OR 97702 Property Records

Deschutes County property record for 20372 Lois Way, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,210 sqft · built 2017
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,421 (Dec 2017)
Tax Bill	$4,216 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`181208-AD-00432`

Property Details

APN / Parcel Number

Primary APN	`181208-AD-00432`
Alternative APN	`259890`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,210 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	924 sqft
Great Room	Great Room
Utility Room	Utility Room

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Lot Area	5,227 sqft (0.12 acres)
Garage Area	390 sqft

Location & Zoning

Account Number	259890
Street Address	20372 LOIS WAY
City	BEND
State	OR
Zip	97702-3533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BAILEY LOT 49
Legal Range	12
Legal Township	18
Legal Section	08
Legal Subdivision	BAILEY
Legal Lot Number	49
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1018
Census Tract	2002

Owner

Source: Deschutes County records, as of June 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	20372 LOIS WAY, BEND, OR 97702-3533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 29, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage WASHINGTON TRUST BANK
Aug 10, 2017	Grant Deed, Construction Loan · Line of Credit WASHINGTON FED'L SVGS
Aug 1, 2017	Loan Modification, Mortgage · Line of Credit WASHINGTON FED'L SVGS
May 31, 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 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Deed Document Number	201751746
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Jun 8, 2026
Property Address	20372 LOIS WAY, BEND, OR 97702-3533
Document Number	0000016946
Instrument Date	Jun 1, 2026
Instrument	202616946
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	20372 LOIS WAY, BEND, OR 97702-3533

Mortgage

Document Number	0000016946,
Date	Jun 8, 2026
Instrument	202616946

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.3%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20372 LOIS WAY, BEND, OR 97702-3533
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042886
Date	Jul 20, 2021
Instrument	2021-42886

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 29, 2017
Property Address	20372 LOIS WAY, BEND, OR 97702-3533
Document Number	0000051746
Map Reference	CAB H PG533
Instrument Date	Dec 5, 2017
Instrument	2017-51746
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 12, 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
Address	BEND, OR 97702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20372 LOIS WAY, BEND, OR 97702-3533

Mortgage

Document Number	0000051747
Date	Dec 29, 2017
Instrument	2017-51747

Lender

Name	WASHINGTON TRUST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

August 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 10, 2017
Property Address	20372 LOIS WAY, BEND, OR 97702-3533
Instrument Date	Aug 1, 2017
Instrument	31683
Transaction Type	Construction Loan
Record Updated	Aug 30, 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	0000031683
Date	Aug 10, 2017
Instrument	31683

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	Aug 9, 2018

Interest

Rate Type	Adjustable Rate

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DESCHUTES OR
Recording Date	Aug 1, 2017
Property Address	20372 LOIS WAY, BEND, OR 97702-3533
Instrument Date	Jul 15, 2017
Instrument	30402
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

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

Mortgage

Document Number	0000030402
Date	Aug 1, 2017
Instrument	30402

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	Jul 31, 2018

Interest

Rate Type	Adjustable Rate

May 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 31, 2017
Property Address	20372 LOIS WAY, BEND, OR 97702-3533
Document Number	0000020678
Instrument Date	May 23, 2017
Instrument	20678
Transaction Type	Construction Loan
Record Updated	Jun 12, 2017
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Tax	$1,155.00
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	20679
Date	May 31, 2017
Instrument	20679

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	May 30, 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	$4,216.00 (+3.94%)	$249,530 (+3%)	$638,080 (-3.5%) Land $172,820 Building $465,260
2024	$4,056.00 (+7.87%)	$242,270 (+3%)	$661,220 (-) Land $186,460 Building $474,760
2023	$3,760.00	$235,220	$661,220 Land $186,460 Building $474,760

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 · 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 95% of the US · lower than 98.9% 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 635 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

May also be available: CenturyLink, Webformix.

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