20383 Lois Way, Bend, OR 97702 Property Records

Deschutes County property record for 20383 Lois Way, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,818 sqft · built 2017
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$349,058 (Jan 2018)
Tax Bill	$4,033 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Aug 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`181208-AD-00454`

Property Details

APN / Parcel Number

Primary APN	`181208-AD-00454`
Alternative APN	`259912`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,818 sqft Living Area
Gross Area	2,295 sqft
1st Floor Area	782 sqft
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	4,792 sqft (0.11 acres)
Garage Area	477 sqft

Location & Zoning

Account Number	259912
Street Address	20383 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 21
Legal Range	12
Legal Township	18
Legal Section	08
Legal Subdivision	BAILEY
Legal Lot Number	21
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1011
Census Tract	2002

Owner

20383 Lois Way is owned and occupied by two individuals who bought it in January 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	20383 LOIS WAY, BEND, OR 97702-3533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 22, 2023	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Aug 16, 2022	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Apr 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 16, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 12, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS
Aug 1, 2017	Loan Modification, Mortgage · Line of Credit WASHINGTON FED'L SVGS
Jul 5, 2017	Grant Deed, Construction Loan · 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	Jan 12, 2018 · Amount on File
Deed Sale	Jan 12, 2018 · Amount on File
Deed Document Number	20181334
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20383 LOIS WAY, BEND, OR 97702-3533
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20383 LOIS WAY, BEND, OR 97702-3533

Mortgage

Document Number	0000031434
Date	Dec 22, 2023
Instrument	2023-31434

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20383 LOIS WAY, BEND, OR 97702-3533
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20383 LOIS WAY, BEND, OR 97702-3533

Mortgage

Document Number	0000031262
Date	Aug 16, 2022
Instrument	2022-31262

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20383 LOIS WAY, BEND, OR 97702-3533
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022644
Date	Apr 12, 2021
Instrument	2021-22644

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20383 LOIS WAY, BEND, OR 97702-3533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027841
Date	Jun 16, 2020
Instrument	2020-27841

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jan 12, 2018
Property Address	20383 LOIS WAY, BEND, OR 97702-3533
Document Number	0000001334
Instrument Date	Jan 8, 2018
Instrument	1334
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2018
Title Company	WESTERN TITLE AND ESCROW COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$349.06
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	20383 LOIS WAY BEND OR 977023533, BEND, OR 97702-3533

Mortgage

Document Number	1335
Date	Jan 12, 2018
Instrument	1335

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2048

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DESCHUTES OR
Recording Date	Aug 1, 2017
Property Address	20383 LOIS WAY, BEND, OR 97702-3533
Instrument Date	Jul 15, 2017
Instrument	30401
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	0000030401
Date	Aug 1, 2017
Instrument	30401

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 on Record
Term	12 Months
Due	Jul 31, 2018

Interest

Rate Type	Adjustable Rate

July 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 5, 2017
Property Address	20383 LOIS WAY, BEND, OR 97702-3533
Instrument Date	Jun 1, 2017
Instrument	26071
Transaction Type	Construction Loan
Record Updated	Aug 15, 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	0000026071
Date	Jul 5, 2017
Instrument	26071

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 on Record
Term	12 Months
Due	Jul 4, 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	20383 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 on Record
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 on Record
Term	12 Months
Due	May 30, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20383 Lois Way was $4,033, 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	$4,033.00 (+3.94%)	$238,720 (+3%)	$610,630 (-3.55%) Land $176,320 Building $434,310
2024	$3,880.00 (+7.87%)	$231,770 (+3%)	$633,130 (-) Land $189,960 Building $443,170
2023	$3,597.00	$225,020	$633,130 Land $189,960 Building $443,170

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20383 Lois Way 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 20383 Lois Way is low, with 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 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.

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 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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