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20621 Couples Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20621 Couples Ln, Bend, OR 97702

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,620 sqft · built 2005
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$283,000 (Dec 2015)
Tax Bill$3,845 (2025)
Deeds & MortgagesFeb 2026 Line of Credit
Jan 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN181209-DB-12400

Property Details

APN / Parcel Number

Primary APN181209-DB-12400
Alternative APN
  • 245316

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,620 sqft Living Area
Gross Area2,109 sqft
1st Floor Area1,620 sqft
Breakfast NookBreakfast Nook
Family RoomFamily Room
Utility RoomUtility Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Lot Area6,098 sqft (0.14 acres)
Garage Area489 sqft

Location & Zoning

Account Number245316
Street Address20621 COUPLES LN
CityBEND
StateOR
Zip97702-2983
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal DescriptionFOXBOROUGH PHASE 6 LOT 266
Legal Range12
Legal Township18
Legal Section09
Legal SubdivisionFOXBOROUGH PHASE 6
Legal Lot Number266
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group3
Census Block3008
Census Tract2002

Owner

Source: Deschutes County records · APN 181209-DB-12400

Assessment roll updated November 5, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address20621 COUPLES LN, BEND, OR 97702-2983
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 09, 2026Deed of Trust, Mortgage · Line of Credit
OREGON COMMUNITY CU
Jan 13, 2022Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 29, 2015 · Amount on Record
Deed SaleDec 29, 2015 · Amount on Record
Prior SaleMay 25, 2010 · Amount on Record
Deed Document Number201552588
Prior Transfer DateOct 10, 2015
Prior Transfer Doc0000042287
Record UpdatedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Property Address20621 COUPLES LN, BEND, OR 97702-2983
Transaction TypeMortgage
Record UpdatedFeb 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address20621 COUPLES LN, BEND, OR 97702-2983

Mortgage

Document Number0000003605
DateFeb 09, 2026
Instrument2026-03605
Lender
NameOREGON COMMUNITY CU
TypeCredit Union
AddressEUGENE, OR 97408
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 25, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Property Address20621 COUPLES LN, BEND, OR 97702-2983
Transaction TypeMortgage
Record UpdatedJan 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001731
DateJan 13, 2022
Instrument2022-01731
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOregon
CountyDeschutes County
MunicipalityBend City
Unified School DistrictBend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,845.00 (+3.92%)$227,610 (+3%)$668,440 (+1.42%) Land $191,890 Building $476,550
2024$3,700.00 (+7.87%)$220,990 (+3%)$659,100 (-) Land $191,890 Building $467,210
2023$3,430.00$214,560$659,100 Land $191,890 Building $467,210

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 11, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 95% of the US · lower than 98.9% of Oregon
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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

Internet Providers

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

ProviderMax Down / Up (Mbps)
TDS Telecom
Cable · Fiber in parts of the area		1,000 / 20
Yellowknife Wireless Company
Fixed Wireless		700 / 200
Verizon
Fixed Wireless		300 / 20
Lumen Technologies
DSL · Fiber in parts of the area		140 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Webformix Company.

Based on FCC filings for 324 locations within half a mile of this property.

Drinking Water

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

Water SystemCITY OF BEND
serves 77,704 people
Water SourceSurface water
Last State InspectionJul 2023
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting12
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.

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