20948 Sage Creek Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20948 Sage Creek Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,844 sqft · built 2006
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (May 2021)
Tax Bill	$5,047 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`181215 BA 02961`

Property Details

APN / Parcel Number

Primary APN	`181215 BA 02961`
Alternative APN	`240459`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,844 sqft Living Area
1st Floor Area	1,621 sqft
2nd Floor Area	1,223 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Split Level
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	532 sqft
Deck Area	152 sqft

Location & Zoning

Account Number	240459
Street Address	20948 SAGE CREEK DR
City	BEND
State	OR
Zip	97702-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT:12 SUBD:RIDGEWATER II PUD SEC/TWN/RNG/MER:SEC 15 TWN 18 RNG 12 MAP REF:181215-BA
Legal Range	12E
Legal Township	18S
Legal Section	15
Legal Quarter	NW
Quarter-Quarter Section	NE
Legal Subdivision	RIDGEWATER II PUD
Legal Lot Number	12
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3018
Census Tract	1904

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	20948 SAGE CREEK DR, BEND, OR 97702-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jul 28, 2021	Deed of Trust, Mortgage · Line of Credit MID OREGON FCU
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIORITY HOME LENDING LLC
Mar 6, 2020	Quit Claim Deed, Transfer THELENDER
Mar 3, 2020	Deed of Trust, Transfer · Conventional Mortgage THELENDER
Dec 14, 2018	Warranty Deed, Transfer WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Prior Sale	Mar 6, 2020
Deed Document Number	2021-32046
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20948 SAGE CREEK DR, BEND, OR 97702-2322
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20948 SAGE CREEK DR, BEND, OR 97702-2322

Mortgage

Document Number	0000006383
Date	Mar 9, 2026
Instrument	2026-06383

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.99%
Index	1-Year CMT

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20948 SAGE CREEK DR, BEND, OR 97702-2322
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044093
Date	Jul 28, 2021
Instrument	2021-44093

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

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 25, 2021
Property Address	20948 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000032046
Instrument Date	May 18, 2021
Instrument	2021-32046
Transaction Type	Transfer
Record Updated	Jun 4, 2021
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	Right of Survivorship
Address	20948 SAGE CREEK DR, BEND, OR 97702-2322

Mortgage

Document Number	0000032047
Date	May 25, 2021
Instrument	2021-32047

Lender

Name	PRIORITY HOME LENDING LLC
Type	Mortgage Company

Agreement

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

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 6, 2020
Property Address	20948 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000010146
Instrument Date	Mar 4, 2020
Instrument	10146
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	AMER TITLE, AMERI TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	61141 RIDGE FALLS PL BEND OR 977022324, BEND, OR 97702-2324

Mortgage

Document Number	9998
Date	Mar 6, 2020
Instrument	9998

Lender

Name	THELENDER
Address	ST PETERS, MO 63376

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.75%

March 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20948 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000009998
Instrument Date	Mar 3, 2020
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	AMER TITLE, AMERI TITLE

Transaction

Additional	Intrafamily Transfer

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	61141 RIDGE FALLS PL BEND OR 977022324, BEND, OR 97702-2324

Mortgage

Document Number	0000009998
Date	Mar 5, 2020
Instrument	9998

Lender

Name	THELENDER
Address	ST PETERS, MO 63376

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.75%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 14, 2018
Property Address	20948 SAGE CREEK DR, BEND, OR 97702-2322
Document Number	0000049166
Instrument Date	Dec 12, 2018
Instrument	49166
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Tax	$445.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	61141 RIDGE FALLS PL BEND OR 977022324, BEND, OR 97702-2324

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	$5,047.00 (+3.93%)	$298,730 (+3%)	$851,060 (-) Land $260,010 Building $591,050
2024	$4,856.00 (+7.89%)	$290,030 (+3%)	$851,060 (+5.99%) Land $260,010 Building $591,050
2023	$4,501.00	$281,590	$802,960 Land $211,910 Building $591,050

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	Low lower than 66% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 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
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Webformix.

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