20943 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20943 Spinnaker St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,156 sqft · built 1997
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Apr 2014)
Tax Bill	$4,912 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`171222 BD 01900`

Property Details

APN / Parcel Number

Primary APN	`171222 BD 01900`
Alternative APNs	`R1001171222BD01900` `194349`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,156 sqft Living Area
1st Floor Area	1,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Mixed
Garage Area	506 sqft
Deck Area	176 sqft

Location & Zoning

Account Number	194349
Old Parcel Number	R1001171222BD01900
Street Address	20943 SPINNAKER ST
City	BEND
State	OR
Zip	97701-8428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:19 SUBD:TERRANGO GLEN PHASE ONE REPLAT SEC/TWN/RNG/MER:SEC 22 TWN 17 RNG 12 MAP REF:171222-BD
Legal Range	12E
Legal Township	17S
Legal Section	22
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	TERRANGO GLEN PHASE ONE REPLAT
Legal Lot Number	19
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1021
Census Tract	1101

Owner

Source: Deschutes County records, as of January 12, 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
Co-owner	Co-owner on Record
Mailing Address	20943 SPINNAKER ST, BEND, OR 97701-8428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit SELCO COMMUNITY CU
Aug 21, 2019	Deed of Trust, Mortgage · Line of Credit SELCO COMMUNITY CU
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit SELCO COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2014 · Amount on Record
Deed Sale	Apr 2, 2014 · Amount on Record
Prior Sale	Apr 2, 2014 · Amount on Record
Deed Document Number	0000009872
Last Transfer Date	Jul 1, 2015
Transfer Doc	0000026561
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20943 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Oct 20, 2023
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20943 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000025328
Date	Oct 11, 2023
Instrument	2023-25328

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	0 Months
Due	Oct 25, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20943 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030510
Date	Aug 21, 2019
Instrument	2019-30510

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20943 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060867
Date	Nov 12, 2020
Instrument	2020-60867

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20943 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20943 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000035339
Date	Sep 23, 2022
Instrument	2022-35339

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 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	$4,912.00 (+3.94%)	$290,730 (+3%)	$684,170 (-5.02%) Land $219,500 Building $464,670
2024	$4,726.00 (+7.87%)	$282,270 (+3%)	$720,340 (+1.86%) Land $219,500 Building $500,840
2023	$4,381.00	$274,050	$707,200 Land $214,500 Building $492,700

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 · 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.

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