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20438 Cider Ct, Bend, OR 97702 Property Records

Deschutes County property record for 20438 Cider Ct, Bend, OR 97702

Property Summary

Property TypeSingle Family Home
Details1,544 sqft · built 2020
Lot Size0.07 acres (3,049 sqft)
Owner2 Individual Names on Record
Last Sale$535,000 (Nov 2021)
Tax Bill$3,687 (2025)
Deeds & MortgagesNov 2021 Sale & Mortgage
Feb 2021 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN181209-BB-00206

Property Details

APN / Parcel Number

Primary APN181209-BB-00206
Alternative APN
  • 256317

Interior

Stories2 Stories
Building Area1,544 sqft
Gross Area293 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleBi-Level
Lot Area3,049 sqft (0.07 acres)

Location & Zoning

Account Number256317
StateOR
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM
Legal DescriptionALSTRUP ESTATES LOT PT 30
Legal Range12
Legal Township18
Legal Section09
Legal SubdivisionALSTRUP ESTATES
Legal Lot Number30
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group1
Census Block1003
Census Tract2002

Owner

Source: Deschutes County records, as of May 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address524 S FRANCISCA AVE, REDONDO BEACH, CA 90277-4241
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Nov 16, 2021Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE EXPRESS LLC
Feb 5, 2021Bargain and Sale Deed, Transfer · Conventional Mortgage
SUMMIT FUNDING INC
Sep 16, 2020Correction Deed, Transfer
WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO
Sep 16, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Sep 16, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 8, 2020Deed of Trust, Construction Loan · Construction Mortgage
HIGH RETURNS LLC
Jan 11, 2018Warranty Deed, Transfer · Conventional with PMI
MELVIN L MCDOUGAL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 16, 2021 · Amount on Record
Deed SaleNov 16, 2021 · Amount on Record
Prior SaleJan 11, 2018 · Amount on Record
Deed Document Number202164124
Prior Transfer DateFeb 5, 2021
Prior Transfer Doc0000007864
Record UpdatedJun 8, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateNov 16, 2021
Property Address20438 CIDER CT, BEND, OR 97702
Document Number0000064124
Map ReferenceCAB H PG 231
Instrument DateNov 5, 2021
Instrument2021-64124
Transaction TypeTransfer
Record UpdatedAug 29, 2022
Title CompanyWESTERN TITLE & ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address517 SUSANA AVE, REDONDO BEACH, CA 90277-3953

Mortgage

Document Number0000064125
DateNov 16, 2021
Instrument2021-64125
Lender
NameMORTGAGE EXPRESS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

February 2021: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionDESCHUTES OR
Recording DateFeb 5, 2021
Property Address20438 CIDER CT, BEND, OR 97702
Document Number0000007864
Instrument DateFeb 5, 2021
Instrument2021-07864
Transaction TypeTransfer
Record UpdatedAug 29, 2022
Title CompanyWESTERN TITLE & ESCROW

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address22155 RICKARD RD, BEND, OR 97702-9294

Mortgage

Document Number0000007873
DateFeb 5, 2021
Instrument2021-07873
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

Mortgage

Document Number0000007865
DateFeb 5, 2021
Instrument2021-07865
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
AddressSACRAMENTO, CA 95815
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

September 2020: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionDESCHUTES OR
Recording DateSep 16, 2020
Property Address20438 CIDER CT, BEND, OR 97702
Document Number0000047661
Instrument DateSep 16, 2020
Instrument47661
Transaction TypeTransfer
Record UpdatedOct 6, 2020
Title CompanyWESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionDESCHUTES OR
Recording DateSep 16, 2020
Property Address20438 CIDER CT, BEND, OR 97702
Document Number0000047523
Instrument DateSep 15, 2020
Instrument47523
Transaction TypeTransfer
Record UpdatedOct 6, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2747 SW 6TH ST #101 REDMOND OR 977566910, 101, REDMOND, OR 97756-6910

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionDESCHUTES OR
Recording DateSep 16, 2020
Property Address20438 CIDER CT, BEND, OR 97702
Document Number0000047522
Instrument DateSep 15, 2020
Instrument47522
Transaction TypeTransfer
Record UpdatedOct 6, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2747 SW 6TH ST #101 REDMOND OR 977566910, 101, REDMOND, OR 97756-6910

January 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Recording DateJan 8, 2020
Property Address20438 CIDER CT, BEND, OR 97702
Document Number0000000937
Instrument DateJan 8, 2020
Instrument937
Transaction TypeConstruction Loan
Record UpdatedJan 28, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Mortgage

Document Number0000000937
DateJan 8, 2020
Instrument937
Lender
NameHIGH RETURNS LLC
Address66593 E CASCADE, BEND, OR 97703-9163
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueJan 7, 2021

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateJan 11, 2018
Property Address20438 CIDER CT, BEND, OR 97702
Document Number0000001244
Instrument DateJan 9, 2018
Instrument1244
Transaction TypeTransfer
Record UpdatedJan 17, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$172.50
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2747 SW 6TH ST #101 REDMOND OR 977567109, 101, REDMOND, OR 97756-7109

Mortgage

Document Number1245
DateJan 11, 2018
Instrument1245
Lender
NameMELVIN L MCDOUGAL
Special NotesSeller Financed
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term12 Months
DueJan 10, 2019

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOregon
CountyDeschutes County
MunicipalityBend City
Unified School DistrictBend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,687.00 (+3.95%)$218,250 (+3%)$530,230 (+7.2%) Land $185,390 Building $344,840
2024$3,547.00 (+7.88%)$211,900 (+3%)$494,630 (-4.22%) Land $185,390 Building $309,240
2023$3,288.00$205,730$516,430 Land $185,390 Building $331,040

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 97% of the US · lower than 99.3% of Oregon
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITY OF BEND
serves 77,704 people · EPA ID OR4100100
Water SourceSurface water
Last State InspectionJul 2023
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting12
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 328 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
TDS Telecom
Fiber · Cable		1,000 / 1,000
Yellowknife Wireless
Fixed Wireless		700 / 200
Verizon
Fixed Wireless		300 / 20
Webformix
Fixed Wireless		200 / 20
CenturyLink
DSL · Fiber in parts of the area		140 / 20

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