20945 Miramar Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20945 Miramar Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,453 sqft · built 2006
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$987,000 (Aug 2022)
Tax Bill	$6,893 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`181215-BD-01019`

Property Details

APN / Parcel Number

Primary APN	`181215-BD-01019`
Alternative APN	`248498`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,453 sqft Living Area
Gross Area	3,103 sqft
1st Floor Area	1,118 sqft
Family Room	Family Room
Great Room	Great Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Lot Area	14,810 sqft (0.34 acres)
Garage Area	650 sqft

Location & Zoning

Account Number	248498
Street Address	20945 MIRAMAR DR
City	BEND
State	OR
Zip	97702-9354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	SILVER RIDGE PUD LOT 15
Legal Range	12
Legal Township	18
Legal Section	15
Legal Subdivision	SILVER RIDGE PUD
Legal Lot Number	15
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3007
Census Tract	1904

Owner

Source: Deschutes County records, as of May 19, 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	20945 MIRAMAR DR, BEND, OR 97702-9354
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA COMMERCIAL
Aug 26, 2022	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Jun 17, 2022	Warranty Deed, Transfer WESTERN TITLE & ESCROW
Aug 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 27, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Jun 17, 2022 · Amount on Record
Deed Document Number	202232574
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20945 MIRAMAR DR, BEND, OR 97702-9354
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049557
Date	Aug 26, 2021
Instrument	2021-49557

Lender

Name	FINANCE OF AMERICA COMMERCIAL
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 26, 2022
Property Address	20945 MIRAMAR DR, BEND, OR 97702-9354
Document Number	0000032574
Map Reference	CAB G PG 712
Instrument Date	Aug 24, 2022
Instrument	2022-32574
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	NOT AVAILABLE, DESCHUTES 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	20945 MIRAMAR DR, BEND, OR 97702-9354

Mortgage

Document Number	0000032575
Date	Aug 26, 2022
Instrument	2022-32575

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 17, 2022
Property Address	20945 MIRAMAR DR, BEND, OR 97702-9354
Document Number	0000024278
Map Reference	CAB G PG 712
Instrument Date	Jun 15, 2022
Instrument	2022-24278
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	WESTERN TITLE & ESCROW

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	Tenants by the Entirety
Address	20945 MIRAMAR DR, BEND, OR 97702-9354

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20945 MIRAMAR DR, BEND, OR 97702-9354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032510
Date	Aug 10, 2018
Instrument	2018-32510

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20945 MIRAMAR DR, BEND, OR 97702-9354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025772
Date	Jul 23, 2019
Instrument	2019-25772

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20945 MIRAMAR DR, BEND, OR 97702-9354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002411
Date	Jan 13, 2021
Instrument	2021-02411

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20945 MIRAMAR DR, BEND, OR 97702-9354
Document Number	0000038311
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20945 MIRAMAR DR BEND OR 977029354, BEND, OR 97702-9354

Mortgage

Document Number	0000038311
Date	Oct 8, 2019
Instrument	38311

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

Interest

Rate Type	Adjustable Rate

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	$6,893.00 (+3.94%)	$408,010 (+3%)	$943,160 (-) Land $319,680 Building $623,480
2024	$6,632.00 (+7.87%)	$396,130 (+3%)	$943,160 (-) Land $319,680 Building $623,480
2023	$6,148.00	$384,600	$943,160 Land $319,680 Building $623,480

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	Moderate above 45% of the US · lower than 83% of Oregon
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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