20942 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20942 Spinnaker St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,556 sqft · built 1997
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$560,000 (Nov 2021)
Tax Bill	$4,539 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`171222-BD-03700`

Property Details

APN / Parcel Number

Primary APN	`171222-BD-03700`
Alternative APNs	`R1001171222BD03700` `194367`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,556 sqft Living Area
Gross Area	2,132 sqft
1st Floor Area	1,556 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Area	576 sqft
Deck Area	128 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	194367
Street Address	20942 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 36
Legal Range	12
Legal Township	17
Legal Section	22
Legal Subdivision	TERRANGO GLEN PHASE ONE REPLAT
Legal Lot Number	36
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1020
Census Tract	1101

Owner

Source: Deschutes County records, as of June 30, 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	20942 SPINNAKER ST, BEND, OR 97701-8428
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit OREGON COMMUNITY CU
Dec 2, 2019	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Dec 15, 2021	Intrafamily Transfer, Transfer
Nov 4, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2021 · Amount on Record
Deed Sale	Nov 4, 2021 · Amount on Record
Prior Sale	Aug 13, 2009 · Amount on Record
Deed Document Number	202162154
Last Transfer Date	Dec 15, 2021
Transfer Doc	0000068922
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20942 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20942 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000005331
Date	Feb 26, 2026
Instrument	2026-05331

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 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20942 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20942 ESPINNAKER, BEND, OR 97701

Mortgage

Document Number	0000038971
Date	Oct 27, 2022
Instrument	2022-38971

Lender

Name	OREGON COMMUNITY CU
Type	Credit Union
Address	HOUSTON, TX 77002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20942 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046802
Date	Dec 2, 2019
Instrument	2019-46802

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	BEND, OR 97702

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 22, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Dec 15, 2021
Property Address	20942 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000068922
Map Reference	CAB E PG 58
Instrument Date	Dec 15, 2021
Instrument	2021-68922
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Living Trust
Address	20942 SPINNAKER ST, BEND, OR 97701-8428
Investor	Possibly a Property Investor

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 4, 2021
Property Address	20942 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000062154
Map Reference	CAB F PG 58
Instrument Date	Nov 1, 2021
Instrument	2021-62154
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	AMERITITLE

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	20942 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000062155
Date	Nov 4, 2021
Instrument	2021-62155

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	7.5%

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	$4,539.00 (+3.94%)	$268,680 (+3%)	$590,300 (-4.68%) Land $219,500 Building $370,800
2024	$4,367.00 (+7.88%)	$260,860 (+3%)	$619,280 (+0.36%) Land $219,500 Building $399,780
2023	$4,048.00	$253,270	$617,030 Land $214,500 Building $402,530

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 97% of the US · lower than 99.3% 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 543 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Webformix.

Nearby Properties on Spinnaker St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures