20877 Top Knot Ln, Bend, OR 97701 Property Records

Deschutes County property record for 20877 Top Knot Ln, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,816 sqft · built 2004
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Trust Names on File
Last Sale	$430,000 (Jul 2019)
Tax Bill	$4,504 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Nov 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171215 CC 00125`

Property Details

APN / Parcel Number

Primary APN	`171215 CC 00125`
Alternative APN	`240527`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,816 sqft Living Area
1st Floor Area	1,816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Other
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Mixed
Garage Area	493 sqft
Deck Area	231 sqft

Location & Zoning

Account Number	240527
Street Address	20877 TOP KNOT LN
City	BEND
State	OR
Zip	97701-0001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT:29 SUBD:QUAIL CROSSING PHASE 1 SEC/TWN/RNG/MER:SEC 15 TWN 17 RNG 12 MAP REF:171215-CC
Legal Range	12E
Legal Township	17S
Legal Section	15
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	QUAIL CROSSING PHASE 1
Legal Lot Number	29
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3065
Census Tract	1101

Owner

20877 Top Knot Ln is owner-occupied and held in a trust since November 2024.

Source: Deschutes County records, as of January 14, 2026

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	20877 TOP KNOT LN, BEND, OR 97701-0001
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Jun 9, 2025	Deed of Trust, Mortgage · Line of Credit MOVEMENT MORTGAGE
Nov 8, 2024	Intrafamily Transfer, Transfer
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARBOR MORTGAGE GROUP LLC ARBOR MORTGAGE GROUP LLC
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage ARBOR MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	Jul 1, 2019 · Amount on File
Deed Document Number	0000022936
Last Transfer Date	Nov 8, 2024
Transfer Doc	0000029490
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20877 TOP KNOT LN, BEND, OR 97701-0001
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014581
Date	Jun 9, 2025
Instrument	2025-14581

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Nov 8, 2024
Property Address	20877 TOP KNOT LN, BEND, OR 97701-0001
Document Number	0000029490
Map Reference	DOC 2003-9693
Instrument Date	Nov 7, 2024
Instrument	2024-29490
Transaction Type	Transfer
Record Updated	Jan 15, 2026

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	Revocable Trust
Address	20877 TOP KNOT LN, BEND, OR 97701-0001

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20877 TOP KNOT LN, BEND, OR 97701-0001
Document Number	0000046801
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES CNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20877 TOP KNOT LN BEND OR 977010001, BEND, OR 97701-0001

Mortgage

Document Number	0000046801
Date	Sep 11, 2020
Instrument	46801

Lender

Name	ARBOR MORTGAGE GROUP LLC ARBOR MORTGAGE GROUP LLC
Type	Bank
Address	BEND, OR 97701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 1, 2019
Property Address	20877 TOP KNOT LN, BEND, OR 97701-0001
Document Number	0000022936
Map Reference	DOC 2006-49693
Instrument Date	Jul 1, 2019
Instrument	2019-22936
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	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
Address	20877 TOP KNOT LN, BEND, OR 97701-0001

Mortgage

Document Number	0000022937
Date	Jul 1, 2019
Instrument	2019-22937

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20877 Top Knot Ln was $4,504, up 3.9% from the year before.

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	$4,504.00 (+3.92%)	$266,610 (+3%)	$695,250 (+1.47%) Land $219,500 Building $475,750
2024	$4,334.00 (+7.89%)	$258,850 (+3%)	$685,160 (+5.33%) Land $219,500 Building $465,660
2023	$4,017.00	$251,320	$650,460 Land $214,500 Building $435,960

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20877 Top Knot 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 20877 Top Knot Ln is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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 398 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, Webformix.

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