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20441 SE Senden Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20441 SE Senden Ln, Bend, OR 97702

Property Summary

Property TypeSingle Family Home
Details1,818 sqft · built 2022
Lot Size0.09 acres (3,920 sqft)
Owner2 Individual Names on Record
Last Sale$625,000 (Jul 2024)
Tax Bill$3,954 (2025)
Deeds & MortgagesJan 2024 Line of Credit
Jun 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN181209-CB-04738

Property Details

APN / Parcel Number

Primary APN181209-CB-04738
Alternative APN
  • 284450

Interior

Stories2 Stories
Building Area1,818 sqft
Gross Area397 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleBi-Level
Lot Area3,920 sqft (0.09 acres)

Location & Zoning

Account Number284450
Street Address20441 SE SENDEN LN
CityBEND
StateOR
Zip97702-3868
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionARENA ACRES PHASE 3 LOT 38
Legal SubdivisionARENA ACRES PHASE 3
Legal Lot Number38
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group1
Census Block1011
Census Tract2002

Owner

Source: Deschutes County records, as of May 21, 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 Address20441 SE SENDEN LN, BEND, OR 97702-3868
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jan 9, 2024Deed of Trust, Mortgage · Line of Credit
UNITED WHOLESALE MORTGAGE
Jun 30, 2022Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 24, 2024 · Amount on Record
Deed SaleJul 24, 2024 · Amount on Record
Prior SaleJun 30, 2022 · Amount on Record
Deed Document Number202418884
Record UpdatedSep 20, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Property Address20441 SE SENDEN LN, BEND, OR 97702-3868
Transaction TypeMortgage
Record UpdatedJan 17, 2024
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000663
DateJan 9, 2024
Instrument2024-00663
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateJun 30, 2022
Property Address20441 SE SENDEN LN, BEND, OR 97702-3868
Document Number0000026164
Map ReferenceDOC 2022-01009
Instrument DateJun 8, 2022
Instrument2022-26164
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 13, 2023
Title CompanyAMERITITLE

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
Address20441 SE SENDEN LN, BEND, OR 97702-3868

Mortgage

Document Number0000026165
DateJun 30, 2022
Instrument2022-26165
Lender
NameNATIONS DIRECT MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

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$3,954.00 (+3.94%)$234,030 (+3%)$592,680 (+2.01%) Land $194,810 Building $397,870
2024$3,804.00 (+7.88%)$227,220 (+3%)$581,000 (-3.61%) Land $194,810 Building $386,190
2023$3,526.00$220,610$602,750 Land $194,810 Building $407,940

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 95% of the US · lower than 98.9% 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 635 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

May also be available: CenturyLink, Webformix.

Cell Coverage

5G (outdoors only) and 4G LTE

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