20522 Empire Ave, Bend, OR 97701 Property Records

Deschutes County property record for 20522 Empire Ave, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	1,464 sqft · built 2022
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Nov 2024)
Tax Bill	$3,279 (2025)
Deeds & Mortgages	Aug 2021 Construction Loan May 2023 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`171221-B0-05643`

Property Details

APN / Parcel Number

Primary APN	`171221-B0-05643`
Alternative APN	`262003`

Interior

Building Area	1,464 sqft
Gross Area	368 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Lot Area	1,742 sqft (0.04 acres)

Location & Zoning

Account Number	262003
Street Address	20522 EMPIRE AVE
City	BEND
State	OR
Zip	97701-5700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Description	CALAVERAS LOT 28
Legal Range	12
Legal Township	17
Legal Section	21
Legal Subdivision	CALAVERAS
Legal Lot Number	28
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3052
Census Tract	1101

Owner

20522 Empire Ave is owned and occupied by an individual who bought it in November 2024.

Source: Deschutes County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	20522 EMPIRE AVE, BEND, OR 97701-5700
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
Aug 27, 2021	Deed of Trust, Mortgage · Construction Mortgage LEVEL CAPITAL LLC
May 1, 2023	Deed of Trust, Mortgage · Construction Mortgage LEVEL CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2024 · Amount on File
Deed Sale	Nov 21, 2024 · Amount on File
Deed Document Number	202430753
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20522 EMPIRE AVE, BEND, OR 97701-5700
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049851
Date	Aug 27, 2021
Instrument	2021-49851

Lender

Name	LEVEL CAPITAL LLC
Type	Mortgage Company
Address	KIRKLAND, WA 98033

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Feb 2, 2022

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20522 EMPIRE AVE, BEND, OR 97701-5700
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010183
Date	May 1, 2023
Instrument	2023-10183

Lender

Name	LEVEL CAPITAL LLC
Type	Mortgage Company
Address	KIRKLAND, WA 98033

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20522 Empire Ave was $3,279, up 3.9% from the year before.

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	$3,279.00 (+3.93%)	$194,090 (+3%)	$519,350 (-13.32%) Land $132,400 Building $386,950
2024	$3,155.00 (+112.46%)	$188,440 (+102.86%)	$599,140 (+72.95%) Land $163,400 Building $435,740
2023	$1,485.00	$92,890	$346,420 Land $156,400 Building $190,020

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

FEMA maps place 20522 Empire Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20522 Empire Ave is low, with 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 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	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 213 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
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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