20676 Whitecliff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20676 Whitecliff Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1980
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Jun 2021)
Tax Bill	$2,828 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`181216 DC 03200`

Property Details

APN / Parcel Number

Primary APN	`181216 DC 03200`
Alternative APNs	`R1088181216DC03200` `160244`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.469 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	560 sqft
Fence	Fence
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	160244
Old Parcel Number	R1088181216DC03200
Street Address	20676 WHITECLIFF CIR
City	BEND
State	OR
Zip	97702-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:4 BLK:2 SUBD:EDGEWOOD SOUTH SEC/TWN/RNG/MER:SEC 16 TWN 18 RNG 12 MAP REF:181216-DC
Legal Range	12E
Legal Township	18S
Legal Section	16
Legal Quarter	SE
Quarter-Quarter Section	SW
Legal Subdivision	EDGEWOOD SOUTH
Legal Block	2
Legal Lot Number	4
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1001
Census Tract	2001

Owner

Source: Deschutes County records, as of January 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	20676 WHITECLIFF CIR, BEND, OR 97702-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Nov 7, 2018
Deed Document Number	2021-35408
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 11, 2021
Property Address	20676 WHITECLIFF CIR, BEND, OR 97702-9504
Document Number	0000035408
Instrument Date	Jun 9, 2021
Instrument	2021-35408
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	FIRST AMERICAN TITLE

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
Address	20676 WHITECLIFF CIR, BEND, OR 97702-9504

Mortgage

Document Number	0000035409
Date	Jun 11, 2021
Instrument	2021-35409

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 7, 2018
Property Address	20676 WHITECLIFF CIR, BEND, OR 97702-9504
Document Number	0000044863
Instrument Date	Oct 31, 2018
Instrument	44863
Transaction Type	Transfer
Record Updated	Nov 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	20676 WHITECLIFF CIR BEND OR 977029504, BEND, OR 97702-9504

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 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	$2,828.00 (+3.97%)	$167,380 (+3%)	$468,200 (+1.14%) Land $200,050 Building $268,150
2024	$2,720.00 (+7.85%)	$162,510 (+3%)	$462,940 (+1.52%) Land $200,050 Building $262,890
2023	$2,522.00	$157,780	$456,000 Land $182,160 Building $273,840

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 62% of the US · lower than 86% of Oregon
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber · Cable in parts of the area	1,000 / 1,000
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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