20886 Lupine Ave, Bend, OR 97701 Property Records

Deschutes County property record for 20886 Lupine Ave, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,308 sqft · built 2001
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$570,375 (Mar 2021)
Tax Bill	$5,685 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`171222-BC-01000`

Property Details

APN / Parcel Number

Primary APN	`171222-BC-01000`
Alternative APNs	`R1001171222BC01000` `203232`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,308 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	1,178 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Area	418 sqft
Deck Area	720 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	203232
Street Address	20886 LUPINE AVE
City	BEND
State	OR
Zip	97701-8351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	PP2006-55 LOT PARCEL 2
Legal Range	12
Legal Township	17
Legal Section	22
Legal Subdivision	PP2006-55
Legal Block	55
Legal Lot Number	2
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1018
Census Tract	1101

Owner

Source: Deschutes County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20886 LUPINE AVE, BEND, OR 97701-8351
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Feb 24, 2021	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC
Mar 8, 2021	Re-recorded Document · Conventional Mortgage AXIA FINANCIAL LLC
Nov 21, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Mar 30, 2018	Warranty Deed, Transfer · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Prior Sale	Feb 24, 2021 · Amount on Record
Deed Document Number	202114472
Prior Transfer Date	Mar 5, 2021
Prior Transfer Doc	0000014472
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20886 LUPINE AVE, BEND, OR 97701-8351
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20886 LUPINE AVE, BEND, OR 97701-8351

Mortgage

Document Number	0000038217
Date	Oct 20, 2022
Instrument	2022-38217

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20886 LUPINE AVE, BEND, OR 97701-8351
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	WESTERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046035
Date	Sep 9, 2020
Instrument	2020-46035

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Feb 24, 2021
Property Address	20886 LUPINE AVE, BEND, OR 97701-8351
Document Number	0000011813
Map Reference	CAB 3 PG 327
Instrument Date	Feb 22, 2021
Instrument	2021-11813
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	AMERITITLE

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	20886 LUPINE AVE, BEND, OR 97701-8351

Mortgage

Document Number	0000011814
Date	Feb 24, 2021
Instrument	2021-11814

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

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

March 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	DESCHUTES OR
Recording Date	Mar 8, 2021
Property Address	20886 LUPINE AVE, BEND, OR 97701-8351
Document Number	0000014472
Map Reference	CAB 3 PG 327
Instrument Date	Feb 22, 2021
Instrument	2021-14472
Record Updated	Sep 14, 2021
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20886 LUPINE AVE, BEND, OR 97701-8351

Mortgage

Document Number	0000014473
Date	Mar 8, 2021
Instrument	2021-14473

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20886 LUPINE AVE, BEND, OR 97701-8351
Document Number	0000048344
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20886 LUPINE AVE BEND OR 977018351, BEND, OR 97701-8351

Mortgage

Document Number	0000048344
Date	Dec 10, 2019
Instrument	48344

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 30, 2018
Property Address	20886 LUPINE AVE, BEND, OR 97701-8351
Document Number	0000012814
Instrument Date	Mar 29, 2018
Instrument	12814
Transaction Type	Transfer
Record Updated	Apr 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$419.90
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	20886 LUPINE AVE BEND OR 977018351, BEND, OR 97701-8351

Mortgage

Document Number	12815
Date	Mar 30, 2018
Instrument	12815

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2048

Tax Assessment & Valuation

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	$5,685.00 (+3.95%)	$336,490 (+3%)	$631,220 (-4.87%) Land $219,500 Building $411,720
2024	$5,469.00 (+7.87%)	$326,690 (+3%)	$663,520 (+0.26%) Land $219,500 Building $444,020
2023	$5,070.00	$317,180	$661,830 Land $214,500 Building $447,330

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

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	1 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	Low lower than 98% of the US · lower than 99.5% of Oregon
Wildfire Likelihood	Under 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.

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 288 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon, Webformix.

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