20878 Liberty Ln, Bend, OR 97701 Property Records

Deschutes County property record for 20878 Liberty Ln, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,828 sqft · built 2016
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$405,947 (May 2017)
Tax Bill	$4,641 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171215 CB 00178`

Property Details

APN / Parcel Number

Primary APN	`171215 CB 00178`
Alternative APN	`273546`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,828 sqft Living Area
1st Floor Area	1,828 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Mixed
Garage Area	419 sqft

Location & Zoning

Account Number	273546
Street Address	20878 LIBERTY LN
City	BEND
State	OR
Zip	97701-8596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:29 SUBD:VIEWPOINT RIDGE SEC/TWN/RNG/MER:SEC 15 TWN 17 RNG 12 MAP REF:171215-CB
Legal Range	12
Legal Township	17
Legal Section	15
Legal Quarter	SW
Quarter-Quarter Section	NW
Legal Subdivision	VIEWPOINT RIDGE
Legal Lot Number	29
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3029
Census Tract	1101

Owner

20878 Liberty Ln is owned and occupied by an individual who bought it in May 2017.

Source: Deschutes County records, as of January 12, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	20878 LIBERTY LN, BEND, OR 97701-8596
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 10, 2023	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 17, 2017	Warranty Deed, Subdivision Related Transfer · Commercial Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2017 · Amount on File
Deed Sale	May 17, 2017 · Amount on File
Prior Sale	Nov 21, 2016 · Amount on File
Deed Document Number	2017-18915
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20878 LIBERTY LN, BEND, OR 97701-8596
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20878 LIBERTY LN, BEND, OR 97701-8596

Mortgage

Document Number	0000016724
Date	Jul 10, 2023
Instrument	2023-16724

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20878 LIBERTY LN, BEND, OR 97701-8596
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058531
Date	Oct 15, 2021
Instrument	2021-58531

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20878 LIBERTY LN, BEND, OR 97701-8596
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009418
Date	Feb 12, 2021
Instrument	2021-09418

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 17, 2017
Property Address	20878 LIBERTY LN, BEND, OR 97701-8596
Document Number	0000018915
Map Reference	CAB I PG167
Instrument Date	May 12, 2017
Instrument	2017-18915
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 26, 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
Relationship	Tenants by the Entirety
Address	25206 VIA LAS PALMAS, LAGUNA NIGUEL, CA 92677-7344

Mortgage

Document Number	0000018916
Date	May 17, 2017
Instrument	2017-18916

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20878 Liberty Ln was $4,641, 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	$4,641.00 (+3.94%)	$274,700 (+3%)	$740,790 (+1.59%) Land $219,500 Building $521,290
2024	$4,465.00 (+7.88%)	$266,700 (+3%)	$729,200 (+6.23%) Land $219,500 Building $509,700
2023	$4,139.00	$258,940	$686,440 Land $214,500 Building $471,940

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

Flood

FEMA maps place 20878 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 20878 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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