20486 Karch Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20486 Karch Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,749 sqft · built 2006
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Sep 2020)
Tax Bill	$4,382 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181209-BC-01201`

Property Details

APN / Parcel Number

Primary APN	`181209-BC-01201`
Alternative APN	`250551`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,749 sqft Living Area
Gross Area	2,189 sqft
1st Floor Area	1,027 sqft
Family Room	Family Room
Great Room	Great Room
Utility Room	Utility Room

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Lot Area	6,534 sqft (0.15 acres)
Garage Area	440 sqft

Location & Zoning

Account Number	250551
Street Address	20486 KARCH DR
City	BEND
State	OR
Zip	97702-3077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TRI PEAKS III LOT 10
Legal Range	12
Legal Township	18
Legal Section	09
Legal Subdivision	TRI PEAKS III
Legal Lot Number	10
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1017
Census Tract	2002

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 Record	2 Individual Names on Record
Mailing Address	20486 KARCH DR, BEND, OR 97702-3077
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2020	Warranty Deed, Transfer · Conventional with PMI ROBERT J & CHARLENE PAGETT
Mar 15, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK FLORIDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2020 · Amount on Record
Deed Sale	Sep 18, 2020 · Amount on Record
Prior Sale	Mar 15, 2018 · Amount on Record
Deed Document Number	202048026
Prior Transfer Date	Oct 27, 2008
Prior Transfer Doc	0000043951
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Sep 18, 2020
Property Address	20486 KARCH DR, BEND, OR 97702-3077
Document Number	0000048026
Instrument Date	Sep 16, 2020
Instrument	48026
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20486 KARCH DR BEND OR 977023077, BEND, OR 97702-3077

Mortgage

Document Number	48027
Date	Sep 18, 2020
Instrument	48027

Lender

Name	ROBERT J & CHARLENE PAGETT
Address	800 WHISPERING PINES DR, SCOTTS VALLEY, CA 95066-4432

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Sep 17, 2045

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 15, 2018
Property Address	20486 KARCH DR, BEND, OR 97702-3077
Document Number	0000010103
Instrument Date	Mar 9, 2018
Instrument	10103
Transaction Type	Transfer
Record Updated	Mar 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	20486 KARCH DR BEND OR 977023077, BEND, OR 97702-3077

Mortgage

Document Number	10104
Date	Mar 15, 2018
Instrument	10104

Lender

Name	FIRSTBANK FLORIDA
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2048

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	$4,382.00 (+3.94%)	$259,390 (+3%)	$605,700 (-) Land $200,710 Building $404,990
2024	$4,216.00 (+7.88%)	$251,840 (+3%)	$605,700 (+9.65%) Land $200,710 Building $404,990
2023	$3,908.00	$244,510	$552,410 Land $184,240 Building $368,170

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 · 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 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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