20405 SE Senden Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20405 SE Senden Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2,477 sqft · built 2021
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$689,990 (Mar 2022)
Tax Bill	$4,676 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181209-CB-04729`

Property Details

APN / Parcel Number

Primary APN	`181209-CB-04729`
Alternative APN	`282433`

Interior

Stories	2 Stories
Building Area	2,477 sqft
Gross Area	482 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Account Number	282433
Street Address	20405 SE SENDEN LN
City	BEND
State	OR
Zip	97702-3868
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ARENA ACRES PHASE 2 LOT 29
Legal Range	12
Legal Township	18
Legal Section	09
Legal Subdivision	ARENA ACRES PHASE 2
Legal Lot Number	29
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1011
Census Tract	2002

Owner

20405 SE Senden Ln is owned and occupied by two individuals who bought it in March 2022.

Source: Deschutes County records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20405 SE SENDEN LN, BEND, OR 97702-3868
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
Feb 28, 2023	Deed of Trust, Mortgage · Line of Credit MID OREGON FCU
Mar 22, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Aug 16, 2021	Warranty Deed, Transfer AMERITITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2022 · Amount on File
Deed Sale	Mar 22, 2022 · Amount on File
Prior Sale	Aug 16, 2021 · Amount on File
Deed Document Number	202211898
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20405 SE SENDEN LN, BEND, OR 97702-3868
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20405 SE SENDEN LN, BEND, OR 97702-3868

Mortgage

Document Number	0000004365
Date	Feb 28, 2023
Instrument	2023-04365

Lender

Name	MID OREGON FCU
Type	Credit Union
Address	BEND, OR 97708

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 22, 2022
Property Address	20405 SE SENDEN LN, BEND, OR 97702-3868
Document Number	0000011898
Map Reference	DOC 2021-05341
Instrument Date	Feb 11, 2022
Instrument	2022-11898
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2022
Title Company	AMERITITLE

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	20405 SE SENDEN LN, BEND, OR 97702-3868

Mortgage

Document Number	0000011899
Date	Mar 22, 2022
Instrument	2022-11899

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 16, 2021
Property Address	20405 SE SENDEN LN, BEND, OR 97702-3868
Document Number	0000047644
Map Reference	DOC 2021-05341
Instrument Date	Aug 10, 2021
Instrument	2021-47644
Transaction Type	Transfer
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 Multiple Parcels

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

Tax Assessment & Valuation

The 2025 property tax bill for 20405 SE Senden Ln was $4,676, up 4% 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	$4,676.00 (+3.96%)	$276,760 (+3%)	$692,460 (+1.43%) Land $194,810 Building $497,650
2024	$4,498.00 (+7.87%)	$268,700 (+3%)	$682,730 (-3.87%) Land $194,810 Building $487,920
2023	$4,170.00	$260,880	$710,220 Land $194,810 Building $515,410

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 20405 SE Senden Ln 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 20405 SE Senden Ln is low, with less than 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	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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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