Deschutes County property record for 20651 Couples Ln, Bend, OR 97702 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,896 sqft · built 2005 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $553,000 (Oct 2022) |
| Tax Bill | $4,073 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 181209-DB-12900 |
| Primary APN | 181209-DB-12900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,896 sqft Living Area |
| Gross Area | 2,423 sqft |
| 1st Floor Area | 806 sqft |
| Bonus Room | Bonus Room |
| Family Room | Family Room |
| Great Room | Great Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bi-Level |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Area | 527 sqft |
| Account Number | 245321 |
|---|---|
| Street Address | 20651 COUPLES LN |
| City | BEND |
| State | OR |
| Zip | 97702-2983 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOXBOROUGH PHASE 6 LOT 271 |
| Legal Range | 12 |
| Legal Township | 18 |
| Legal Section | 09 |
| Legal Subdivision | FOXBOROUGH PHASE 6 |
| Legal Lot Number | 271 |
| Jurisdiction | DESCHUTES OR |
| Township / Civil Division | BEND |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 2002 |
Source: Deschutes County records · APN 181209-DB-12900
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 | 20651 COUPLES LN, BEND, OR 97702-2983 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jul 15, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Apr 05, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMESTREET BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Prior Sale | Apr 05, 2017 · Amount on Record |
| Deed Document Number | 202239085 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Recording Date | Oct 28, 2022 |
| Property Address | 20651 COUPLES LN, BEND, OR 97702-2983 |
| Document Number | 0000039085 |
| Instrument Date | Oct 27, 2022 |
| Instrument | 2022-39085 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20651 COUPLES LN, BEND, OR 97702-2983 |
| Document Number | 0000039086 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 2022-39086 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Property Address | 20651 COUPLES LN, BEND, OR 97702-2983 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Title Company | AMERITITLE |
| Name | Verified Name |
|---|
| Document Number | 0000020698 |
|---|---|
| Date | May 08, 2020 |
| Instrument | 2020-20698 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Recording Date | Jul 15, 2020 |
| Property Address | 20651 COUPLES LN, BEND, OR 97702-2983 |
| Document Number | 0000034010 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 34010 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20651 COUPLES LN BEND OR 977022983, BEND, OR 97702-2983 |
| Document Number | 34011 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 34011 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Recording Date | Apr 05, 2017 |
| Property Address | 20651 COUPLES LN, BEND, OR 97702-2983 |
| Document Number | 0000012982 |
| Instrument Date | Apr 03, 2017 |
| Instrument | 2017-12982 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2022 |
| Title Company | WESTERN TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20651 COUPLES LN, BEND, OR 97702-2983 |
| Document Number | 0000012983 |
|---|---|
| Date | Apr 05, 2017 |
| Instrument | 2017-12983 |
| Name | HOMESTREET BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2047 |
Source: Deschutes County records · Assessment roll updated November 5, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Deschutes County |
| Municipality | Bend City |
| Unified School District | Bend-La Pine Administrative School District 1 (KG - 12) |
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 | $4,073.00 (+3.93%) | $241,100 (+3%) | $706,950 (+1.45%) Land $191,890 Building $515,060 |
| 2024 | $3,919.00 (+7.87%) | $234,080 (+3%) | $696,850 (-) Land $191,890 Building $504,960 |
| 2023 | $3,633.00 | $227,270 | $696,850 Land $191,890 Building $504,960 |
Source: FEMA National Flood Hazard Layer, Deschutes County (41017C), updated December 11, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 1% of Oregon |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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