Deschutes County property record for 20688 Whitecliff Cir, Bend, OR 97702
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,757 sqft · built 1979 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $275,000 (Dec 2015) |
| Tax Bill | $3,793 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 181216-DC-03000 |
| Primary APN | 181216-DC-03000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,757 sqft Living Area |
| Gross Area | 2,094 sqft |
| 1st Floor Area | 1,757 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1986 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 337 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 160242 |
|---|---|
| Street Address | 20688 WHITECLIFF CIR |
| City | BEND |
| State | OR |
| Zip | 97702-9504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | EDGEWOOD SOUTH BLOCK 2 LOT 6 |
| Legal Range | 12 |
| Legal Township | 18 |
| Legal Section | 16 |
| Legal Subdivision | EDGEWOOD SOUTH |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | DESCHUTES OR |
| Township / Civil Division | BEND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 2001 |
Source: Deschutes County records · APN 181216-DC-03000
Assessment roll updated November 5, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 20688 WHITECLIFF CIR, BEND, OR 97702-9504 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CREDIT UNION |
| Feb 05, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 31, 2015 · Amount on Record |
| Deed Sale | Dec 31, 2015 · Amount on Record |
| Deed Document Number | 201552978 |
| Last Transfer Date | Jan 22, 2024 |
| Transfer Doc | 0000002844 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Recording Date | Apr 20, 2026 |
| Property Address | 20688 WHITECLIFF CIR, BEND, OR 97702-9504 |
| Document Number | 0000011655 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202611655 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Investor | Possibly a Property Investor |
| Document Number | 0000011655, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202611655 |
| Name | ONPOINT COMMUNITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 14, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Recording Date | Feb 05, 2024 |
| Property Address | 20688 WHITECLIFF CIR, BEND, OR 97702-9504 |
| Document Number | 0000002844 |
| Instrument Date | Jan 22, 2024 |
| Instrument | 2024-02844 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 20688 WHITECLIFF CIR, BEND, OR 97702-9504 |
Source: Deschutes County records · Assessment roll updated November 5, 2025 · Last verified May 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,793.00 (+3.95%) | $224,510 (+3%) | $562,790 (+1.28%) Land $200,050 Building $362,740 |
| 2024 | $3,649.00 (+7.86%) | $217,980 (+3%) | $555,680 (+0.56%) Land $200,050 Building $355,630 |
| 2023 | $3,383.00 | $211,640 | $552,610 Land $182,160 Building $370,450 |
Source: FEMA National Flood Hazard Layer, Deschutes County (41017C), as of December 11, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Yellowknife Wireless Company Fixed Wireless | 700 / 200 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Lumen Technologies.
Based on FCC filings for 163 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system OR4100100, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF BEND serves 77,704 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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