20904 Sage Creek Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20904 Sage Creek Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,079 sqft · built 2013
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on Record
Last Sale	$880,000 (Aug 2023)
Tax Bill	$5,567 (2025)
Deeds & Mortgages	Aug 2023 Sale May 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181215-BA-02948`

Property Details

APN / Parcel Number

Primary APN	`181215-BA-02948`
Alternative APN	`240447`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,079 sqft Living Area
Gross Area	2,629 sqft
1st Floor Area	2,079 sqft
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	7,841 sqft (0.18 acres)
Garage Area	550 sqft
Deck Area	Deck Area

Location & Zoning

Account Number	240447
Street Address	20904 SAGE CREEK DR
City	BEND
State	OR
Zip	97702-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	RIDGEWATER II PUD LOT 1
Legal Range	12
Legal Township	18
Legal Section	15
Legal Subdivision	RIDGEWATER II PUD
Legal Lot Number	1
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3018
Census Tract	1904

Owner

Source: Deschutes County records, as of May 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	20904 SAGE CREEK DR, BEND, OR 97702-2322
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Warranty Deed, Transfer FIRST AMERICAN
May 20, 2021	Warranty Deed, Transfer DESCHUTES COUNTY TITLE
Feb 8, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 19, 2018	Warranty Deed, Transfer DESCHUTES COUNTY TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	202320546
Prior Transfer Date	Mar 7, 2014
Prior Transfer Doc	0000007932
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 18, 2023
Property Address	20904 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000020546
Instrument Date	Aug 17, 2023
Instrument	2023-20546
Transaction Type	Transfer
Record Updated	Aug 28, 2023
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
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	19934 CLIFFROSE DR, BEND, OR 97702-2093

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 20, 2021
Property Address	20904 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000031066
Map Reference	CAB F PG 567
Instrument Date	May 19, 2021
Instrument	2021-31066
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	DESCHUTES COUNTY TITLE

Transaction

Amount	Amount Recorded
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	Living Trust
Address	20904 SAGE CREEK DR, BEND, OR 97702-2322

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20904 SAGE CREEK DR, BEND, OR 97702-2322
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008061
Date	Feb 8, 2021
Instrument	2021-08061

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 19, 2018
Property Address	20904 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000029458
Instrument Date	Jul 18, 2018
Instrument	29458
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	DESCHUTES COUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$510.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20904 SAGE CREEK DR BEND OR 977022322, BEND, OR 97702-2322

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	$5,567.00 (+3.94%)	$329,530 (+3%)	$783,830 (-) Land $302,490 Building $481,340
2024	$5,356.00 (+7.88%)	$319,940 (+3%)	$783,830 (+7.78%) Land $302,490 Building $481,340
2023	$4,965.00 (+3.96%)	$310,630 (+6.09%)	$727,230 (+28.34%) Land $245,890 Building $481,340
2022	$4,776.00	$292,810	$566,630 Land $196,370 Building $370,260

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 88% of Oregon
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
TDS Telecom Fiber · Cable	1,000 / 1,000
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Webformix.

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