20538 Prospector Loop, Bend, OR 97702 Property Records

Deschutes County property record for 20538 Prospector Loop, Bend, OR 97702 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2004
Square Footage	1,346 sqft Living Area
Lot Size	6,970 sqft (0.16 acres)
Garage	393 sqft
Last Sale	$510,000 (2022)
Tax Bill	$3,404.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`181209-CA-04407`
Alternative APN	`240369`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,346 sqft Living Area
Gross Area	1,739 sqft Gross Area
1st Floor	1,346 sqft 1st Floor
Great Room	Great Room
Stories	1 Stories
Utility Room	Utility Room
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	6,970 sqft (0.16 acres)
Garage Area	393 sqft Garage

Location & Zoning

Account Number	240369
Street Address	20538 PROSPECTOR LOOP
City	BEND
State	OR
Zip	97702-2294
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PAULINA PEAKS PHASE 2 LOT 23
Legal Range	12
Legal Township	18
Legal Section	09
Legal Subdivision	PAULINA PEAKS PHASE 2
Legal Lot Number	23
Jurisdiction	DESCHUTES OR
Minor Civil Division	BEND
Census Blockgroup	1
Census Block	1024
Census Tract	2002

Owner

Source: Deschutes County records · APN 181209-CA-04407

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	61245 MOUNT VISTA DR, BEND, OR 97702-9569
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Right Of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 07, 2022 · Amount on Record
Deed Sale	Oct 07, 2022 · Amount on Record
Prior Sale	Jun 15, 2004 · Amount on Record
Deed Doc Number	202237016
Record Refreshed	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 07, 2022
Property Address	20538 PROSPECTOR LOOP, BEND, OR 97702-2294
Document Number	0000037016
Map Reference	CAB F PG 583
Instrument Date	Aug 28, 2022
Instrument	2022-37016
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	61245 MOUNT VISTA DR, BEND, OR 97702-9569
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037017
Date	Oct 07, 2022
Instrument	2022-37017

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

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

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	$3,404.00 (+3.94%)	$201,490 (+3%)	$526,870 (+1.87%) Land $195,510 Building $331,360
2024	$3,275.00 (+7.87%)	$195,630 (+3%)	$517,220 (-3.17%) Land $195,510 Building $321,710
2023	$3,036.00	$189,940	$534,150 Land $195,510 Building $338,640

Flood & Wildfire

20538 Prospector Loop is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Deschutes County (41017C), updated December 11, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.