20423 Heritage Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20423 Heritage Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,110 sqft · built 1978
Lot Size	2.14 acres (93,218 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,354 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181228-B0-04500`

Property Details

APN / Parcel Number

Primary APN	`181228-B0-04500`
Alternative APNs	`R1003181228B004500` `112283`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,110 sqft Living Area
Gross Area	3,066 sqft
1st Floor Area	1,032 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Roof Type	Gable
Lot Area	93,218 sqft (2.14 acres)
Garage Area	956 sqft
Deck Area	474 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	112283
Street Address	20423 HERITAGE AVE
City	BEND
State	OR
Zip	97702-9440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR10
Legal Description	WOODSIDE RANCH PHASE III BLOCK 10 LOT 9
Legal Range	12
Legal Township	18
Legal Section	28
Legal Subdivision	WOODSIDE RANCH PHASE III
Legal Block	10
Legal Lot Number	9
Jurisdiction	DESCHUTES OR
Township / Civil Division	SISTERS-MILLICAN
Census Block Group	1
Census Block	1102
Census Tract	100

Owner

Source: Deschutes County records, as of July 29, 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	20423 HERITAGE AVE, BEND, OR 97702-9440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 3, 2018	Deed of Trust, Mortgage · Line of Credit MID OREGON FCU
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20423 HERITAGE AVE, BEND, OR 97702-9440
Transaction Type	Mortgage
Record Updated	Feb 3, 2022
Title Company	WESTERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20423 HERITAGE AVE, BEND, OR 97702-9440

Mortgage

Document Number	0000003333
Date	Jan 25, 2022
Instrument	2022-03333

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20423 HERITAGE AVE, BEND, OR 97702-9440
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027230
Date	Jul 3, 2018
Instrument	2018-27230

Lender

Name	MID OREGON FCU
Type	Credit Union
Address	SANTA ANA, CA 92707

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20423 HERITAGE AVE, BEND, OR 97702-9440
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037371
Date	Jul 30, 2020
Instrument	2020-37371

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of November 5, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
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	$6,354.00 (+4.47%)	$419,770 (+3%)	$1,031,200 (+6.16%) Land $572,690 Building $458,510
2024	$6,082.00 (+6.2%)	$407,550 (+3%)	$971,390 (-2.31%) Land $572,690 Building $398,700
2023	$5,727.00	$395,680	$994,310 Land $595,610 Building $398,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Oregon
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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