20466 Karch Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20466 Karch Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,417 sqft · built 2006
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Apr 2016)
Tax Bill	$4,798 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181209 BC 01206`

Property Details

APN / Parcel Number

Primary APN	`181209 BC 01206`
Alternative APN	`250557`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,417 sqft Living Area
1st Floor Area	1,086 sqft
2nd Floor Area	1,331 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Split Level
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Mixed
Garage Area	496 sqft

Location & Zoning

Account Number	250557
Street Address	20466 KARCH DR
City	BEND
State	OR
Zip	97702-3077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT:5 SUBD:TRI PEAKS III SEC/TWN/RNG/MER:SEC 09 TWN 18 RNG 12 MAP REF:181209-BC
Legal Range	12E
Legal Township	18S
Legal Section	09
Legal Quarter	NW
Quarter-Quarter Section	SW
Legal Subdivision	TRI PEAKS III
Legal Lot Number	5
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1017
Census Tract	2002

Owner

20466 Karch Dr is owned and occupied by two individuals who bought it in April 2016.

Source: Deschutes County records, as of January 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20466 KARCH DR, BEND, OR 97702-3077
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Jul 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2016 · Amount on File
Deed Sale	Apr 29, 2016 · Amount on File
Prior Sale	May 30, 2012
Deed Document Number	2016-16412
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20466 KARCH DR, BEND, OR 97702-3077
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20466 KARCH DR, BEND, OR 97702-3077

Mortgage

Document Number	0000028624
Date	Oct 20, 2025
Instrument	2025-28624

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20466 KARCH DR, BEND, OR 97702-3077
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039376
Date	Jun 30, 2021
Instrument	2021-39376

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20466 KARCH DR, BEND, OR 97702-3077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029710
Date	Jul 20, 2018
Instrument	2018-29710

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	ERIE, IL 61250

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 2, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20466 Karch Dr was $4,798, up 3.9% from the year before.

Source: Deschutes County assessment roll, as of September 30, 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	$4,798.00 (+3.92%)	$284,020 (+3%)	$691,930 (-) Land $200,710 Building $491,220
2024	$4,617.00 (+7.9%)	$275,750 (+3%)	$691,930 (+9.69%) Land $200,710 Building $491,220
2023	$4,279.00	$267,720	$630,800 Land $184,240 Building $446,560

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

Flood

FEMA maps place 20466 Karch Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20466 Karch Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.3% 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.

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