20970 Desert Woods Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20970 Desert Woods Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 1978
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$775,000 (Jun 2024)
Tax Bill	$4,263 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181210-BD-00600`

Property Details

APN / Parcel Number

Primary APN	`181210-BD-00600`
Alternative APNs	`R1001181210BD00600` `120878`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,336 sqft Living Area
Gross Area	2,210 sqft
1st Floor Area	1,336 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	874 sqft
Shed	1 Shed
Shed Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	120878
Street Address	20970 DESERT WOODS DR
City	BEND
State	OR
Zip	97702-2845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	DESERT WOODS BLOCK 9 LOT 19
Legal Range	12
Legal Township	18
Legal Section	10
Legal Subdivision	DESERT WOODS
Legal Block	9
Legal Lot Number	19
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	2
Census Block	2007
Census Tract	1904

Owner

Source: Deschutes County records, as of May 21, 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	20970 DESERT WOODS DR, BEND, OR 97702-2845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Mar 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2024 · Amount on Record
Deed Sale	Jun 20, 2024 · Amount on Record
Deed Document Number	202415520
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20970 DESERT WOODS DR, BEND, OR 97702-2845
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007665
Date	Feb 5, 2021
Instrument	2021-07665

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20970 DESERT WOODS DR, BEND, OR 97702-2845
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009086
Date	Mar 22, 2019
Instrument	2019-09086

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

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

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	$4,263.00 (+3.95%)	$252,330 (+3%)	$801,250 (+1.21%) Land $313,660 Building $487,590
2024	$4,101.00 (+7.86%)	$244,990 (+3%)	$791,690 (+1.18%) Land $313,660 Building $478,030
2023	$3,802.00	$237,860	$782,460 Land $284,510 Building $497,950

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 80% of the US · lower than 93% of Oregon
Wildfire Likelihood	0.01% 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 312 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

May also be available: AT&T, Webformix.

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