20628 Couples Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20628 Couples Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2005
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Company Names on Record
Last Sale	$612,000 (May 2024)
Tax Bill	$3,898 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181209-DB-14400`

Property Details

APN / Parcel Number

Primary APN	`181209-DB-14400`
Alternative APN	`245336`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
Gross Area	2,109 sqft
1st Floor Area	1,620 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	6,098 sqft (0.14 acres)
Garage Area	489 sqft

Location & Zoning

Account Number	245336
Street Address	20628 COUPLES LN
City	BEND
State	OR
Zip	97702-2983
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	FOXBOROUGH PHASE 6 LOT 290
Legal Range	12
Legal Township	18
Legal Section	09
Legal Subdivision	FOXBOROUGH PHASE 6
Legal Lot Number	290
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3030
Census Tract	2002

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	20628 COUPLES LN, BEND, OR 97702-2983
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Warranty Deed, Transfer · Conventional Mortgage MID OREGON FCU
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on Record
Deed Sale	May 10, 2024 · Amount on Record
Prior Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	202411709
Record Updated	Sep 20, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 10, 2024
Property Address	20628 COUPLES LN, BEND, OR 97702-2983
Document Number	0000011709
Map Reference	DOC 2004-50396
Instrument Date	May 6, 2024
Instrument	2024-11709
Transaction Type	Transfer
Record Updated	May 21, 2024
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 Living Trust
Address	20628 COUPLES LN, BEND, OR 97702-2983

Mortgage

Document Number	0000011710
Date	May 10, 2024
Instrument	2024-11710

Lender

Name	MID OREGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20628 COUPLES LN, BEND, OR 97702-2983
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040338
Date	Aug 13, 2020
Instrument	2020-40338

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 11, 2017
Property Address	20628 COUPLES LN, BEND, OR 97702-2983
Document Number	0000013806
Instrument Date	Mar 1, 2017
Instrument	2017-13806
Transaction Type	Transfer
Record Updated	Nov 12, 2021
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	20628 COUPLES LN, BEND, OR 97702-2983

Mortgage

Document Number	0000013807
Date	Apr 11, 2017
Instrument	2017-13807

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$3,898.00 (+3.95%)	$230,730 (+3%)	$677,310 (+1.43%) Land $191,890 Building $485,420
2024	$3,750.00 (+7.85%)	$224,010 (+3%)	$667,790 (-) Land $191,890 Building $475,900
2023	$3,477.00	$217,490	$667,790 Land $191,890 Building $475,900

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 95% of the US · lower than 98.9% of Oregon
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 324 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Webformix.

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