20687 Whitecliff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20687 Whitecliff Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,068 sqft · built 1980
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$359,000 (May 2020)
Tax Bill	$3,050 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181216 DC 03500`

Property Details

APN / Parcel Number

Primary APN	`181216 DC 03500`
Alternative APNs	`R1088181216DC03500` `160248`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,068 sqft Living Area
1st Floor Area	1,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Lot Area	20,038 sqft (0.46 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	528 sqft
Deck Area	292 sqft
Fence	Fence
Total Buildings	2 Buildings

Location & Zoning

Account Number	160248
Old Parcel Number	R1088181216DC03500
Street Address	20687 WHITECLIFF CIR
City	BEND
State	OR
Zip	97702-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1 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	1
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	20687 WHITECLIFF CIR, BEND, OR 97702-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2020	Warranty Deed, Transfer · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC
Dec 12, 2017	Warranty Deed, Transfer · Conventional Mortgage ONPOINT COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2020 · Amount on Record
Deed Sale	May 26, 2020 · Amount on Record
Prior Sale	Dec 12, 2017 · Amount on Record
Deed Document Number	2020-23859
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 26, 2020
Property Address	20687 WHITECLIFF CIR, BEND, OR 97702-9504
Document Number	0000023859
Instrument Date	May 21, 2020
Instrument	2020-23859
Transaction Type	Transfer
Record Updated	Nov 12, 2021
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	20687 WHITECLIFF CIR, BEND, OR 97702-9504

Mortgage

Document Number	0000023860
Date	May 26, 2020
Instrument	2020-23860

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company

Agreement

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

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 12, 2017
Property Address	20687 WHITECLIFF CIR, BEND, OR 97702-9504
Document Number	0000049551
Instrument Date	Dec 6, 2017
Instrument	2017-049551
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20687 WHITECLIFF CIR, BEND, OR 97702-9504

Mortgage

Document Number	0000049552
Date	Dec 12, 2017
Instrument	2017-049552

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$3,050.00 (+3.95%)	$180,520 (+3%)	$503,710 (+1.23%) Land $192,770 Building $310,940
2024	$2,934.00 (+7.87%)	$175,270 (+3%)	$497,610 (+0.9%) Land $192,770 Building $304,840
2023	$2,720.00	$170,170	$493,150 Land $175,600 Building $317,550

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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