20848 Liberty Ln, Bend, OR 97701 Property Records

Deschutes County property record for 20848 Liberty Ln, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,892 sqft · built 2017
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$675,645 (Jan 2025)
Tax Bill	$4,904 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171215-CB-00180`

Property Details

APN / Parcel Number

Primary APN	`171215-CB-00180`
Alternative APN	`273548`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,892 sqft Living Area
Gross Area	2,293 sqft
1st Floor Area	947 sqft
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Lot Area	15,246 sqft (0.35 acres)
Garage Area	401 sqft

Location & Zoning

Account Number	273548
Street Address	20848 LIBERTY LN
City	BEND
State	OR
Zip	97701-8596
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	VIEWPOINT RIDGE LOT 34
Legal Range	12
Legal Township	17
Legal Section	15
Legal Subdivision	VIEWPOINT RIDGE
Legal Lot Number	34
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3029
Census Tract	1101

Owner

20848 Liberty Ln is owned and occupied by two individuals who bought it in January 2025.

Source: Deschutes County records, as of May 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20848 LIBERTY LN, BEND, OR 97701-8596
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 28, 2022	Intrafamily Transfer, Transfer · VA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Oct 5, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2025 · Amount on File
Deed Sale	Jan 17, 2025 · Amount on File
Prior Sale	Oct 5, 2017 · Amount on File
Deed Document Number	20251161
Prior Transfer Date	Mar 2, 2022
Prior Transfer Doc	0000012958
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20848 LIBERTY LN, BEND, OR 97701-8596
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031587
Date	May 24, 2021
Instrument	2021-31587

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Feb 1, 2048

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20848 LIBERTY LN, BEND, OR 97701-8596
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019085
Date	Mar 26, 2021
Instrument	2021-19085

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Dec 1, 2047

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Mar 28, 2022
Property Address	20848 LIBERTY LN, BEND, OR 97701-8596
Document Number	0000012958
Map Reference	CAB I PG 167
Instrument Date	Mar 15, 2022
Instrument	2022-12958
Transaction Type	Transfer
Record Updated	Aug 26, 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
Address	20848 LIBERTY LN, BEND, OR 97701-8596

Mortgage

Document Number	0000012959
Date	Mar 28, 2022
Instrument	2022-12959

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 5, 2017
Property Address	20848 LIBERTY LN, BEND, OR 97701-8596
Document Number	0000039871
Instrument Date	Oct 3, 2017
Instrument	39871
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 10, 2017
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6040 BALUSTRADE BLVD SE LACEY WA 985135073, LACEY, WA 98513-5073

Mortgage

Document Number	39872
Date	Oct 5, 2017
Instrument	39872

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20848 Liberty Ln was $4,904, up 21.7% from the year before.

Source: Deschutes County assessment roll, as of November 5, 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	$4,904.00 (+21.66%)	$290,250 (+6.93%)	$763,810 (+2.34%) Land $219,500 Building $544,310
2024	$4,031.00 (+7.87%)	$271,430 (+3%)	$746,310 (+6.27%) Land $219,500 Building $526,810
2023	$3,737.00	$263,530	$702,290 Land $214,500 Building $487,790

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

FEMA maps place 20848 Liberty Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20848 Liberty Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BEND serves 77,704 people · EPA ID OR4100100
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Webformix.

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