20512 Whitstone Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20512 Whitstone Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,736 sqft · built 1979
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$472,000 (Dec 2017)
Tax Bill	$6,879 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181221 B0 12700`

Property Details

APN / Parcel Number

Primary APN	`181221 B0 12700`
Alternative APNs	`R1088181221B012700` `181221 BA 03800` `110352`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,736 sqft Living Area
1st Floor Area	1,918 sqft
2nd Floor Area	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Split Level
Lot Area	25,265 sqft (0.58 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	1,224 sqft
Deck Area	390 sqft
Shed	1 Shed
Lean-To	390 sqft

Location & Zoning

Account Number	110352
Old Parcel Number	R1088181221B012700
Street Address	20512 WHITSTONE CIR
City	BEND
State	OR
Zip	97702-9462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK:25 SEC/TWN/RNG/MER:SEC 21 TWN 18 RNG 12 MAP REF:181221-BA
Legal Range	12E
Legal Township	18S
Legal Section	21
Legal Quarter	NW
Legal Subdivision	PARTITION 2008-25
Legal Block	25
Legal Lot Number	1
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1012
Census Tract	2001

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	20512 WHITSTONE CIR, BEND, OR 97702-9462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Quit Claim Deed, Transfer HOME PT FIN'L
Dec 8, 2017	Warranty Deed, Transfer · Conventional with PMI WMS SERIES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2017 · Amount on Record
Deed Sale	Dec 8, 2017 · Amount on Record
Prior Sale	May 30, 2014 · Amount on Record
Deed Document Number	0000049128
Last Transfer Date	Oct 9, 2020
Transfer Doc	0000053292
Record Updated	Jun 8, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 9, 2020
Property Address	20512 WHITSTONE CIR, BEND, OR 97702-9462
Document Number	0000053292
Instrument Date	Oct 5, 2020
Instrument	53292
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES CNTY TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20512 WHITSTONE CIR BEND OR 977029462, BEND, OR 97702-9462

Mortgage

Document Number	53293
Date	Oct 9, 2020
Instrument	53293

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 8, 2017
Property Address	20512 WHITSTONE CIR, BEND, OR 97702-9462
Document Number	0000049128
Instrument Date	Nov 27, 2017
Instrument	49128
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	WESTERN TITLE AND ESCROW COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	20512 WHITSTONE CIR BEND OR 977029462, BEND, OR 97702-9462

Mortgage

Document Number	49129
Date	Dec 8, 2017
Instrument	49129

Lender

Name	WMS SERIES
Address	SEATTLE, WA 98101

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2047

Tax Assessment & Valuation

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	$6,879.00 (+24.48%)	$407,150 (+23.35%)	$989,730 (+10.96%) Land $236,150 Building $753,580
2024	$5,526.00 (+7.87%)	$330,070 (+3%)	$891,990 (-0.65%) Land $236,150 Building $655,840
2023	$5,123.00	$320,460	$897,850 Land $214,680 Building $683,170

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 65% of the US · lower than 87% of Oregon
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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