20966 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20966 Spinnaker St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 1996
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Jan 2019)
Tax Bill	$3,241 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171222 BD 01300`

Property Details

APN / Parcel Number

Primary APN	`171222 BD 01300`
Alternative APNs	`R1001171222BD01300` `189984`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft

Exterior

Year Built	Built 1996
Architectural Style	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Mixed
Garage Area	484 sqft
Deck Area	34 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	189984
Old Parcel Number	R1001171222BD01300
Street Address	20966 SPINNAKER ST
City	BEND
State	OR
Zip	97701-8428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GI
Legal Description	LOT:4 SUBD:LAVA MEADOWS PHASE ONE 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	LAVA MEADOWS PHASE ONE
Legal Lot Number	4
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1020
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
Mailing Address	20966 SPINNAKER ST, BEND, OR 97701-8428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 2, 2019	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2019 · Amount on Record
Deed Sale	Jan 2, 2019 · Amount on Record
Prior Sale	Feb 20, 2015 · Amount on Record
Deed Document Number	2019-00087
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20966 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038748
Date	Aug 5, 2020
Instrument	2020-38748

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jan 2, 2019
Property Address	20966 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000000087
Instrument Date	Dec 29, 2018
Instrument	2019-00087
Transaction Type	Transfer
Record Updated	Nov 12, 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4018 SW 14TH DR, GRESHAM, OR 97080-8373

Mortgage

Document Number	0000000088
Date	Jan 2, 2019
Instrument	2019-00088

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	$3,241.00 (+3.94%)	$191,850 (+3%)	$423,650 (-0.23%) Land $213,000 Building $210,650
2024	$3,118.00 (+7.85%)	$186,270 (+3%)	$424,630 (-0.02%) Land $213,000 Building $211,630
2023	$2,891.00	$180,850	$424,730 Land $208,000 Building $216,730

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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