20433 SE Senden Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20433 SE Senden Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3,247 sqft · built 2004
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Mar 2023)
Tax Bill	$6,045 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`181209-CB-04736`

Property Details

APN / Parcel Number

Primary APN	`181209-CB-04736`
Alternative APN	`284448`

Interior

Stories	2 Stories
Building Area	3,247 sqft
Gross Area	613 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Account Number	284448
Street Address	20433 SE SENDEN LN
City	BEND
State	OR
Zip	97702-3868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARENA ACRES PHASE 3 LOT 36
Legal Subdivision	ARENA ACRES PHASE 3
Legal Lot Number	36
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1011
Census Tract	2002

Owner

Source: Deschutes County records, as of May 20, 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	20433 SE SENDEN LN, BEND, OR 97702-3868
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Apr 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Mar 30, 2023	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Nov 8, 2022	Warranty Deed, Transfer WESTERN TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Nov 8, 2022 · Amount on Record
Deed Document Number	20237200
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20433 SE SENDEN LN, BEND, OR 97702-3868
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027406
Date	Oct 7, 2025
Instrument	2025-27406

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	COQUILLE, OR 97423

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 6, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20433 SE SENDEN LN, BEND, OR 97702-3868
Transaction Type	Mortgage
Record Updated	Apr 10, 2024
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20433 SE SENDEN LN, BEND, OR 97702-3868

Mortgage

Document Number	0000008078
Date	Apr 3, 2024
Instrument	2024-08078

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	COQUILLE, OR 97423

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20433 SE SENDEN LN, BEND, OR 97702-3868
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023858
Date	Sep 26, 2023
Instrument	2023-23858

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	COQUILLE, OR 97423

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 25, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 30, 2023
Property Address	20433 SE SENDEN LN, BEND, OR 97702-3868
Document Number	0000007200
Map Reference	DOC 2022-01009
Instrument Date	Mar 23, 2023
Instrument	2023-07200
Transaction Type	Transfer
Record Updated	Apr 5, 2023
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	20433 SE SENDEN LN, BEND, OR 97702-3868

Mortgage

Document Number	0000007202
Date	Mar 30, 2023
Instrument	2023-07202

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 8, 2022
Property Address	20433 SE SENDEN LN, BEND, OR 97702-3868
Document Number	0000040119
Map Reference	DOC 2022-01009
Instrument Date	Nov 1, 2022
Instrument	2022-40119
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	61395 BROSTERHOUS RD, BEND, OR 97702-9737

Tax Assessment & Valuation

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	$6,045.00 (+3.94%)	$357,780 (+3%)	$909,970 (+1.32%) Land $268,880 Building $641,090
2024	$5,816.00 (+7.88%)	$347,360 (+3%)	$898,130 (-4.55%) Land $268,880 Building $629,250
2023	$5,391.00	$337,250	$940,960 Land $268,880 Building $672,080

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

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

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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