20889 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20889 Spinnaker St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,440 sqft · built 2002
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (May 2022)
Tax Bill	$5,734 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171222-BC-01400`

Property Details

APN / Parcel Number

Primary APN	`171222-BC-01400`
Alternative APNs	`R1001171222BC01400` `203236`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,440 sqft Living Area
Gross Area	3,078 sqft
1st Floor Area	1,170 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Lot Area	8,276 sqft (0.19 acres)
Garage Area	638 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	203236
Street Address	20889 SPINNAKER ST
City	BEND
State	OR
Zip	97701-8311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TERRANGO GLEN PHASE FIVE LOT 99
Legal Range	12
Legal Township	17
Legal Section	22
Legal Subdivision	TERRANGO GLEN PHASE FIVE
Legal Lot Number	99
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1022
Census Tract	1101

Owner

Source: Deschutes County records, as of May 19, 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	20889 SPINNAKER ST, BEND, OR 97701-8311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage SELCO COMMUNITY CU
Jun 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage SELCO COMMUNITY CU
May 25, 2022	Intrafamily Transfer, Transfer
May 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2022 · Amount on Record
Deed Sale	May 25, 2022 · Amount on Record
Prior Sale	Apr 18, 2012 · Amount on Record
Deed Document Number	202221337
Prior Transfer Date	Apr 26, 2013
Prior Transfer Doc	0000023239
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20889 SPINNAKER ST, BEND, OR 97701-8311
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050577
Date	Dec 23, 2019
Instrument	2019-50577

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 5, 2030

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20889 SPINNAKER ST, BEND, OR 97701-8311
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023996
Date	Jun 15, 2022
Instrument	2022-23996

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	May 25, 2022
Property Address	20889 SPINNAKER ST, BEND, OR 97701-8311
Document Number	0000021337
Map Reference	CAB E PG 671
Instrument Date	May 25, 2022
Instrument	2022-21337
Transaction Type	Transfer
Record Updated	Nov 29, 2022

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	20889 SPINNAKER ST, BEND, OR 97701-8311

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 12, 2017
Property Address	20889 SPINNAKER ST, BEND, OR 97701-8311
Document Number	0000018333
Instrument Date	May 10, 2017
Instrument	18333
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20889 SPINNAKER ST BEND OR 977018311, BEND, OR 97701-8311

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	$5,734.00 (+3.95%)	$339,370 (+3%)	$658,610 (-4.97%) Land $219,500 Building $439,110
2024	$5,516.00 (+7.86%)	$329,490 (+3%)	$693,060 (+0.21%) Land $219,500 Building $473,560
2023	$5,114.00	$319,900	$691,590 Land $214,500 Building $477,090

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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