20919 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20919 Spinnaker St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,574 sqft · built 1998
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$628,000 (Nov 2025)
Tax Bill	$4,286 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171222-BD-02300`

Property Details

APN / Parcel Number

Primary APN	`171222-BD-02300`
Alternative APNs	`R1001171222BD02300` `194353`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	1,574 sqft Living Area
Gross Area	2,198 sqft
1st Floor Area	1,574 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Area	624 sqft
Deck Area	310 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	194353
Street Address	20919 SPINNAKER ST
City	BEND
State	OR
Zip	97701-8428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TERRANGO GLEN PHASE ONE REPLAT LOT 23
Legal Range	12
Legal Township	17
Legal Section	22
Legal Subdivision	TERRANGO GLEN PHASE ONE REPLAT
Legal Lot Number	23
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 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	20919 SPINNAKER ST, BEND, OR 97701-8428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
May 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Dec 6, 2022	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Dec 6, 2022 · Amount on Record
Deed Document Number	202532191
Prior Transfer Date	Jul 19, 2012
Prior Transfer Doc	0000029473
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20919 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20919 SPINNAKER ST T, T, BEND, OR 97701-8428

Mortgage

Document Number	0000015754
Date	Jun 28, 2023
Instrument	2023-15754

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20919 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20919 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000012341
Date	May 24, 2023
Instrument	2023-12341

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 21, 2025
Property Address	20919 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000032191
Instrument Date	Nov 20, 2025
Instrument	2025-32191
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

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	Right of Survivorship
Address	20919 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000032192
Date	Nov 21, 2025
Instrument	2025-32192

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 6, 2022
Property Address	20919 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000042559
Instrument Date	Dec 5, 2022
Instrument	2022-42559
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	FIRST AMERICAN TITLE

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	20919 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000042560
Date	Dec 6, 2022
Instrument	2022-42560

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

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	$4,286.00 (+3.95%)	$253,680 (+3%)	$576,110 (-4.63%) Land $219,500 Building $356,610
2024	$4,123.00 (+7.88%)	$246,300 (+3%)	$604,090 (+0.35%) Land $219,500 Building $384,590
2023	$3,822.00	$239,130	$601,960 Land $214,500 Building $387,460

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	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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