20869 SE Humber Ln, Bend, OR 97702 Property Records

Deschutes County property record for 20869 SE Humber Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,590 sqft · built 2018
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$894,900 (Mar 2022)
Tax Bill	$6,637 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181215-CB-00900`

Property Details

APN / Parcel Number

Primary APN	`181215-CB-00900`
Alternative APN	`275932`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,590 sqft Living Area
Gross Area	3,076 sqft
1st Floor Area	1,174 sqft
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Lot Area	5,663 sqft (0.13 acres)
Garage Area	486 sqft

Location & Zoning

Account Number	275932
Street Address	20869 SE HUMBER LN
City	BEND
State	OR
Zip	97702-3763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BRIDGES AT SHADOW GLEN PHASES 4B BLOCK 5 & 6
Legal Range	12
Legal Township	18
Legal Section	15
Legal Subdivision	BRIDGES AT SHADOW GLEN PHASES 4B
Legal Block	5,6
Legal Lot Number	374
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3007
Census Tract	1904

Owner

20869 SE Humber Ln is owned and occupied by two individuals who bought it in March 2022.

Source: Deschutes County records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20869 SE HUMBER LN, BEND, OR 97702-3763
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
Mar 8, 2022	Warranty Deed, Transfer · Conventional Mortgage ARBOR MORTGAGE GROUP LLC
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 31, 2020	Deed of Trust, Mortgage · Conventional with PMI BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Prior Sale	Jan 18, 2019 · Amount on File
Deed Document Number	20229516
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 8, 2022
Property Address	20869 SE HUMBER LN, BEND, OR 97702-3763
Document Number	0000009516
Map Reference	CAB I PG 435
Instrument Date	Feb 28, 2022
Instrument	2022-09516
Transaction Type	Transfer
Record Updated	Mar 16, 2022
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

Transaction

Amount	Amount on Record
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	20869 SE HUMBER LN, BEND, OR 97702-3763

Mortgage

Document Number	0000009517
Date	Mar 8, 2022
Instrument	2022-09517

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20869 SE HUMBER LN, BEND, OR 97702-3763
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010323
Date	Feb 18, 2021
Instrument	2021-10323

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20869 SE HUMBER LN, BEND, OR 97702-3763
Document Number	0000011045
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Apr 7, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20869 SE HUMBER LN BEND OR 977023763, BEND, OR 97702-3763

Mortgage

Document Number	0000011045
Date	Mar 11, 2020
Instrument	11045

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10006

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Mar 10, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 20869 SE Humber Ln was $6,637, up 2.9% 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	$6,637.00 (+2.87%)	$392,860 (+3%)	$857,100 (+1.69%) Land $241,500 Building $615,600
2024	$6,452.00 (+7.78%)	$381,420 (+3%)	$842,830 (+0.03%) Land $265,900 Building $576,930
2023	$5,986.00	$370,320	$842,610 Land $265,900 Building $576,710

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 20869 SE Humber 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 20869 SE Humber Ln is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 80% of Oregon
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 77 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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