20640 Couples Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20640 Couples Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,674 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on Record
Last Sale	$575,000 (Oct 2022)
Tax Bill	$4,193 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181209-DB-14200`

Property Details

APN / Parcel Number

Primary APN	`181209-DB-14200`
Alternative APN	`245334`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,674 sqft Living Area
Gross Area	2,364 sqft
1st Floor Area	1,674 sqft
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	6,534 sqft (0.15 acres)
Garage Area	690 sqft

Location & Zoning

Account Number	245334
Street Address	20640 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 288
Legal Range	12
Legal Township	18
Legal Section	09
Legal Subdivision	FOXBOROUGH PHASE 6
Legal Lot Number	288
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 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2051 NW TALAPUS CT, BEND, OR 97703-5488
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Oct 24, 2019	Warranty Deed, Transfer AMERITITLE
May 6, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Oct 24, 2019 · Amount on Record
Deed Document Number	202237283
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 11, 2022
Property Address	20640 COUPLES LN, BEND, OR 97702-2983
Document Number	0000037283
Map Reference	CAB D PG 411
Instrument Date	Sep 29, 2022
Instrument	2022-37283
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMERITITLE

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 Trust
Address	2051 NW TALAPUS CT, BEND, OR 97703-5488

Mortgage

Document Number	0000037284
Date	Oct 11, 2022
Instrument	2022-37284

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 24, 2019
Property Address	20640 COUPLES LN, BEND, OR 97702-2983
Document Number	0000041082
Instrument Date	Oct 22, 2019
Instrument	41082
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Tax	$394.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20640 COUPLES LN BEND OR 977022983, BEND, OR 97702-2983

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20640 COUPLES LN, BEND, OR 97702-2983
Document Number	0000015986
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20640 COUPLES LN BEND OR 977022983, BEND, OR 97702-2983

Mortgage

Document Number	0000015986
Date	May 17, 2019
Instrument	15986

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

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	$4,193.00 (+3.92%)	$248,210 (+3%)	$699,520 (+1.44%) Land $191,890 Building $507,630
2024	$4,035.00 (+7.89%)	$240,990 (+3%)	$689,570 (-) Land $191,890 Building $497,680
2023	$3,740.00	$233,980	$689,570 Land $191,890 Building $497,680

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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