20517 Prospector Loop, Bend, OR 97702 Property Records

Deschutes County property record for 20517 Prospector Loop, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 2004
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Nov 2022)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181209-CA-04435`

Property Details

APN / Parcel Number

Primary APN	`181209-CA-04435`
Alternative APN	`240397`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,462 sqft Living Area
Gross Area	1,882 sqft
1st Floor Area	1,462 sqft
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	5,227 sqft (0.12 acres)
Garage Area	420 sqft

Location & Zoning

Account Number	240397
Street Address	20517 PROSPECTOR LOOP
City	BEND
State	OR
Zip	97702-2294
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PAULINA PEAKS PHASE 2 LOT 27
Legal Range	12
Legal Township	18
Legal Section	09
Legal Subdivision	PAULINA PEAKS PHASE 2
Legal Lot Number	27
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1025
Census Tract	2002

Owner

Source: Deschutes County records · APN 181209-CA-04435

Assessment roll updated November 5, 2025 · Last verified June 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 File
Mailing Address	20517 PROSPECTOR LOOP, BEND, OR 97702-2294
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Aug 30, 2004 · Amount on Record
Deed Document Number	202241285
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 21, 2022
Property Address	20517 PROSPECTOR LOOP, BEND, OR 97702-2294
Document Number	0000041285
Map Reference	CAB F PG 583
Instrument Date	Nov 21, 2022
Instrument	2022-41285
Transaction Type	Transfer
Record Updated	Nov 30, 2022
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	4222 E WINDSOR AVE, PHOENIX, AZ 85008-1419

Mortgage

Document Number	0000041286
Date	Nov 21, 2022
Instrument	2022-41286

Lender

Name	WASHINGTON TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

Source: Deschutes County records · Assessment roll updated November 5, 2025 · Last verified June 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,529.00 (+3.92%)	$208,920 (+3%)	$547,060 (+1.91%) Land $195,510 Building $351,550
2024	$3,396.00 (+7.88%)	$202,840 (+3%)	$536,820 (-3.24%) Land $195,510 Building $341,310
2023	$3,148.00	$196,940	$554,780 Land $195,510 Building $359,270

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Deschutes County (41017C), as of December 11, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 410170020021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber · Cable	1,000 / 1,000
Yellowknife Wireless Company Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20

May also be available: Lumen Technologies, Webformix Company.

Based on FCC filings for 635 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OR4100100, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF BEND serves 77,704 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.