20784 Arago Cir, Bend, OR 97703 Property Records

Deschutes County property record for 20784 Arago Cir, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,494 sqft · built 1997
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$715,000 (Jun 2026)
Tax Bill	$4,158 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161228-DD-04700`

Property Details

APN / Parcel Number

Primary APN	`161228-DD-04700`
Alternative APNs	`R1058161228DD04700` `166549`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,494 sqft Living Area
Gross Area	2,070 sqft
1st Floor Area	1,494 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	166549
Street Address	20784 ARAGO CIR
City	BEND
State	OR
Zip	97703-8425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUA10
Legal Description	STARWOOD BLOCK 7 LOT 4
Legal Range	12
Legal Township	16
Legal Section	28
Legal Subdivision	STARWOOD
Legal Block	7
Legal Lot Number	4
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1018
Census Tract	1102

Owner

Source: Deschutes County records, as of July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	20784 ARAGO CIR, BEND, OR 97703-8425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING
May 5, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 26, 2021	Warranty Deed, Transfer NOT AVAILABLE, WESTERN TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Oct 26, 2021 · Amount on Record
Deed Document Number	202618802
Prior Transfer Date	Apr 29, 2022
Prior Transfer Doc	0000018504
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 24, 2026
Property Address	20784 ARAGO CIR, BEND, OR 97703-8425
Document Number	0000018802
Instrument Date	Jun 22, 2026
Instrument	202618802
Transaction Type	Transfer
Record Updated	Jul 7, 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
Relationship	Tenants by the Entirety
Address	20784 ARAGO CIR, BEND, OR 97703-8425

Mortgage

Document Number	0000018803,
Date	Jun 24, 2026
Instrument	202618803

Lender

Name	PROVIDENT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	May 5, 2022
Property Address	20784 ARAGO CIR, BEND, OR 97703-8425
Document Number	0000018504
Instrument Date	Apr 29, 2022
Instrument	2022-18504
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20784 ARAGO CIR, BEND, OR 97703-8425

Mortgage

Document Number	0000018505
Date	May 5, 2022
Instrument	2022-18505

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 26, 2021
Property Address	20784 ARAGO CIR, BEND, OR 97703-8425
Document Number	0000060357
Map Reference	CAB C PG 85
Instrument Date	Oct 25, 2021
Instrument	2021-60357
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	20784 ARAGO CIR, BEND, OR 97703-8425

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of November 5, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
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	$4,158.00 (+4.52%)	$277,600 (+3%)	$684,300 (+5.85%) Land $285,350 Building $398,950
2024	$3,978.00 (+6.28%)	$269,520 (+3%)	$646,470 (-) Land $270,100 Building $376,370
2023	$3,743.00	$261,670	$646,470 Land $270,100 Building $376,370

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 75% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
CenturyLink DSL	140 / 20

May also be available: Verizon.

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