20407 Christmas Rdg, Bend, OR 97702 Property Records

Deschutes County property record for 20407 Christmas Rdg, Bend, OR 97702 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,976 sqft · built 1989
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$935,000 (Nov 2020)
Tax Bill	$9,536 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181221 BB 06400`

Property Details

APN / Parcel Number

Primary APN	`181221 BB 06400`
Alternative APNs	`R1088181221BB06400` `163811`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,976 sqft Living Area
1st Floor Area	2,976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Foundation Type	Concrete
Roof Material	Wood Shingle
Lot Area	28,750 sqft (0.66 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	736 sqft
Deck Area	652 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	163811
Old Parcel Number	R1088181221BB06400
Street Address	20407 CHRISTMAS RDG
City	BEND
State	OR
Zip	97702-9491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:4 BLK:13 SUBD:MOUNTAIN HIGH SEC/TWN/RNG/MER:SEC 21 TWN 18 RNG 12 MAP REF:181221-BB
Legal Range	12E
Legal Township	18S
Legal Section	21
Legal Quarter	NW
Quarter-Quarter Section	NW
Legal Subdivision	MOUNTAIN HIGH
Legal Block	13
Legal Lot Number	4
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1011
Census Tract	2001

Owner

Source: Deschutes County records · APN 181221 BB 06400

Assessment roll updated September 30, 2025 · Last verified January 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 File
Mailing Address	20407 CHRISTMAS RDG, BEND, OR 97702-9491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 17, 2020	Warranty Deed, Transfer AMERITITLE
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON FEDERAL NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Document Number	2020-61808
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20407 CHRISTMAS RDG, BEND, OR 97702-9491
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031316
Date	May 21, 2021
Instrument	2021-31316

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 17, 2020
Property Address	20407 CHRISTMAS RDG, BEND, OR 97702-9491
Document Number	0000061808
Instrument Date	Nov 13, 2020
Instrument	61808
Transaction Type	Transfer
Record Updated	Nov 25, 2020
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Tax	$935.00
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	773 LYNWOOD DR FAIRVIEW OR 97024, FAIRVIEW, OR 97024

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 30, 2017
Property Address	20407 CHRISTMAS RDG, BEND, OR 97702-9491
Document Number	0000025492
Instrument Date	May 16, 2017
Instrument	2017-25492
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	20407 CHRISTMAS RDG, BEND, OR 97702-9491

Mortgage

Document Number	0000025493
Date	Jun 30, 2017
Instrument	2017-25493

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: Deschutes County records · Assessment roll updated September 30, 2025 · Last verified January 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,536.00 (+3.93%)	$564,410 (+3%)	$892,270 (-6.5%) Land $288,500 Building $603,770
2024	$9,175.00 (+7.88%)	$547,980 (+3%)	$954,300 (-1.2%) Land $288,860 Building $665,440
2023	$8,505.00	$532,020	$965,870 Land $260,000 Building $705,870

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Deschutes County (41017C), updated December 11, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 234 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
TDS Telecom	Cable	1,000 / 20
Yellowknife Wireless Company	Fixed Wireless (licensed-by-rule)	700 / 200
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies, Verizon, TDS Telecom. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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