20392 Lois Way, Bend, OR 97702 Property Records

Deschutes County property record for 20392 Lois Way, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,419 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Trust Names on File
Last Sale	$555,000 (Jul 2025)
Tax Bill	$3,471 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2017 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`181208-AD-00401`

Property Details

APN / Parcel Number

Primary APN	`181208-AD-00401`
Alternative APN	`259859`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,419 sqft Living Area
Gross Area	1,902 sqft
1st Floor Area	1,419 sqft
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	7,405 sqft (0.17 acres)
Garage Area	483 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	259859
Street Address	20392 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 25
Legal Range	12
Legal Township	18
Legal Section	08
Legal Subdivision	BAILEY
Legal Lot Number	25
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1011
Census Tract	2002

Owner

20392 Lois Way is held in a trust since July 2025.

Source: Deschutes County records, as of May 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	23026 N 87TH ST, SCOTTSDALE, AZ 85255-4216
Owner Type	Company
Vesting	Trust, Family Trust

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
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Oct 27, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 1, 2017	Loan Modification, Mortgage · Line of Credit WASHINGTON FED'L SVGS
Jun 12, 2017	Grant Deed, Construction Loan · Line of Credit WASHINGTON FED'L SVGS
Feb 1, 2017	Warranty Deed, Construction Loan · Construction Mortgage WASHINGTON FEDERAL NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on File
Deed Sale	Jul 17, 2025 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Document Number	202518613
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20392 LOIS WAY, BEND, OR 97702-3533
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041339
Date	Aug 18, 2020
Instrument	2020-41339

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 27, 2017
Property Address	20392 LOIS WAY, BEND, OR 97702-3533
Document Number	0000043274
Map Reference	CAB H PG533
Instrument Date	Oct 11, 2017
Instrument	2017-43274
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2022
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	20392 LOIS WAY, BEND, OR 97702-3533

Mortgage

Document Number	0000043275
Date	Oct 27, 2017
Instrument	2017-43275

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DESCHUTES OR
Recording Date	Aug 1, 2017
Property Address	20392 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

June 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 12, 2017
Property Address	20392 LOIS WAY, BEND, OR 97702-3533
Instrument Date	Jun 1, 2017
Instrument	22523
Transaction Type	Construction Loan
Record Updated	Jul 11, 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	0000022523
Date	Jun 12, 2017
Instrument	22523

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	Jun 11, 2018

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Feb 1, 2017
Property Address	20392 LOIS WAY, BEND, OR 97702-3533
Document Number	0000004271
Map Reference	CAB H PG533
Instrument Date	Jan 25, 2017
Instrument	2017-04271
Transaction Type	Construction Loan
Record Updated	Aug 29, 2022
Title Company	AMERITITLE

Transaction

Amount	Amount 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	2464 SW GLACIER PL STE 110, 110, REDMOND, OR 97756-7731
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004272
Date	Feb 1, 2017
Instrument	2017-04272

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	1 Months
Due	Mar 1, 2017

Tax Assessment & Valuation

The 2025 property tax bill for 20392 Lois Way was $3,471, 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	$3,471.00 (+3.92%)	$205,480 (+3%)	$522,920 (-3.82%) Land $172,820 Building $350,100
2024	$3,340.00 (+7.88%)	$199,500 (+3%)	$543,700 (-) Land $186,460 Building $357,240
2023	$3,096.00	$193,690	$543,700 Land $186,460 Building $357,240

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 20392 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 20392 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.

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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