20514 Whitstone Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20514 Whitstone Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,895 sqft · built 2013
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$910,000 (Aug 2022)
Tax Bill	$5,925 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2021 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181221-BA-03700`

Property Details

APN / Parcel Number

Primary APN	`181221-BA-03700`
Alternative APNs	`181221 B0 12701` `261887`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,895 sqft Living Area
Gross Area	3,697 sqft
1st Floor Area	1,697 sqft
Family Room	Family Room
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Lot Area	15,682 sqft (0.36 acres)
Garage Area	802 sqft

Location & Zoning

Account Number	261887
Street Address	20514 WHITSTONE CIR
City	BEND
State	OR
Zip	97702-9462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	PP2008-25 LOT PAR 2
Legal Range	12
Legal Township	18
Legal Section	21
Legal Subdivision	PP2008-25
Legal Block	25
Legal Lot Number	PAR 2
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1012
Census Tract	2001

Owner

Source: Deschutes County records, as of May 19, 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	20514 WHITSTONE CIR, BEND, OR 97702-9462
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 15, 2021	Warranty Deed, Transfer · Line of Credit US BANK NA
Sep 11, 2017	Deed of Trust, Mortgage · Line of Credit SELCO COMMUNITY CU
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Dec 15, 2021 · Amount on Record
Deed Document Number	202231281
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 16, 2022
Property Address	20514 WHITSTONE CIR, BEND, OR 97702-9462
Document Number	0000031281
Map Reference	DOC 2008-23490
Instrument Date	Aug 9, 2022
Instrument	2022-31281
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20514 WHITSTONE CIR, BEND, OR 97702-9462

Mortgage

Document Number	0000031282
Date	Aug 16, 2022
Instrument	2022-31282

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 15, 2021
Property Address	20514 WHITSTONE CIR, BEND, OR 97702-9462
Document Number	0000069006
Instrument Date	Dec 14, 2021
Instrument	2021-69006
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5185 BELL RD, AUBURN, CA 95602-9218
Investor	Possibly a Property Investor

Mortgage

Document Number	0000068902
Date	Dec 15, 2021
Instrument	2021-68902

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 9, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20514 WHITSTONE CIR, BEND, OR 97702-9462
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036125
Date	Sep 11, 2017
Instrument	2017-36125

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20514 WHITSTONE CIR, BEND, OR 97702-9462
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049182
Date	Sep 23, 2020
Instrument	2020-49182

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$5,925.00 (+3.93%)	$350,700 (+3%)	$925,450 (+1.54%) Land $207,350 Building $718,100
2024	$5,701.00 (+7.89%)	$340,490 (+3%)	$911,370 (-4.34%) Land $207,350 Building $704,020
2023	$5,284.00	$330,580	$952,740 Land $185,230 Building $767,510

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

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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