20909 Sage Creek Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20909 Sage Creek Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,413 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Apr 2018)
Tax Bill	$5,460 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181215-BA-02926`

Property Details

APN / Parcel Number

Primary APN	`181215-BA-02926`
Alternative APN	`240425`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,413 sqft Living Area
Gross Area	3,133 sqft
1st Floor Area	1,065 sqft
Bonus Room	Bonus Room
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Lot Area	8,712 sqft (0.2 acres)
Garage Area	720 sqft
Deck Area	108 sqft

Location & Zoning

Account Number	240425
Street Address	20909 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 38
Legal Range	12
Legal Township	18
Legal Section	15
Legal Subdivision	RIDGEWATER II PUD
Legal Lot Number	38
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3021
Census Tract	1904

Owner

Source: Deschutes County records, as of November 5, 2025

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	20909 SAGE CREEK DR, BEND, OR 97702-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Deed of Trust, Mortgage · Line of Credit MID OREGON FCU
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 23, 2018	Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2018 · Amount on Record
Deed Sale	Apr 23, 2018 · Amount on Record
Prior Sale	Aug 6, 2004 · Amount on Record
Deed Document Number	201816080
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20909 SAGE CREEK DR, BEND, OR 97702-2322
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20909 SAGE CREEK DR, BEND, OR 97702-2322

Mortgage

Document Number	0000009199
Date	Apr 21, 2023
Instrument	2023-09199

Lender

Name	MID OREGON FCU
Type	Credit Union
Address	BEND, OR 97708

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20909 SAGE CREEK DR, BEND, OR 97702-2322
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044630
Date	Sep 1, 2020
Instrument	2020-44630

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20909 SAGE CREEK DR, BEND, OR 97702-2322
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035966
Date	Sep 25, 2019
Instrument	2019-35966

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

April 2018: Deed, Foreclosure

Document Type	Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 23, 2018
Property Address	20909 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000016080
Map Reference	CAB F PG567
Instrument Date	Apr 4, 2018
Instrument	2018-16080
Transaction Type	Foreclosure
Record Updated	Aug 29, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 SW FUTH AVFEI, PORTLAND, OR 97204

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	$5,460.00 (+3.94%)	$323,190 (+3%)	$769,400 (-) Land $267,160 Building $502,240
2024	$5,253.00 (+7.86%)	$313,780 (+3%)	$769,400 (+6.88%) Land $267,160 Building $502,240
2023	$4,870.00 (+3.97%)	$304,650 (+6.09%)	$719,870 (+28.4%) Land $217,630 Building $502,240
2022	$4,684.00	$287,170	$560,630 Land $174,290 Building $386,340

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

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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