20890 89th St, Bend, OR 97703 Property Records

Deschutes County property record for 20890 89th St, Bend, OR 97703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,449 sqft · built 1972
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Dec 2020)
Tax Bill	$2,542 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161227-B0-05100`

Property Details

APN / Parcel Number

Primary APN	`161227-B0-05100`
Alternative APNs	`R2007161227B005100` `133100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,449 sqft Living Area
1st Floor Area	2,001 sqft
Attic	Attic
Attic Area	448 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Roof Type	Flat
Lot Area	44,867 sqft (1.03 acres)
Deck Area	182 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Septic
Water Source	Cistern

Location & Zoning

Account Number	133100
Street Address	20890 89TH ST
City	BEND
State	OR
Zip	97703-8988
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUA10
Legal Description	FIRST ADDITION TO WHISPERING PINES ESTATES BLOCK 4 LOT 30
Legal Range	12
Legal Township	16
Legal Section	27
Legal Subdivision	FIRST ADDITION TO WHISPERING PINES ESTAT
Legal Block	4
Legal Lot Number	30
Jurisdiction	DESCHUTES OR
Township / Civil Division	REDMOND
Census Block Group	2
Census Block	2040
Census Tract	1002

Owner

Source: Deschutes County records, as of May 18, 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	20890 89TH ST, BEND, OR 97703-8988
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Dec 22, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Deed Document Number	202069700
Prior Transfer Date	Feb 6, 2004
Prior Transfer Doc	0000007337
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20890 89TH ST, BEND, OR 97703-8988
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LEX FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004093
Date	Feb 8, 2019
Instrument	2019-04093

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 22, 2020
Property Address	20890 89TH ST, BEND, OR 97703-8988
Document Number	0000069700
Instrument Date	Dec 10, 2020
Instrument	2020-69700
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	WESTERN TITLE & ESCROW CO

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
Address	61141 S HIGHWAY 97, BEND, OR 97702-2523

Mortgage

Document Number	0000069701
Date	Dec 22, 2020
Instrument	2020-69701

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of November 5, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
Unified School District	Redmond School District 2J (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,542.00 (+4.57%)	$162,100 (+3%)	$523,860 (-4.69%) Land $242,460 Building $281,400
2024	$2,431.00 (+5.79%)	$157,380 (+3%)	$549,610 (-) Land $226,170 Building $323,440
2023	$2,298.00	$152,800	$549,610 Land $226,170 Building $323,440

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

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	2 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	Moderate above 62% of the US · lower than 75% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 55 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.

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