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20972 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20972 Spinnaker St, Bend, OR 97701 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,296 sqft · built 1997
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Apr 2019)
Tax Bill$3,292 (2025)
Deeds & MortgagesAug 2020 Mortgage
Apr 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN171222 BD 01400

Property Details

APN / Parcel Number

Primary APN171222 BD 01400
Alternative APNs
  • R1001171222BD01400
  • 189985

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,296 sqft Living Area
1st Floor Area1,296 sqft

Exterior

Year BuiltBuilt 1997
Architectural StyleOther
Lot Area7,405 sqft (0.169 acres)
Garage TypeMixed
Garage Area400 sqft
Deck Area160 sqft

Location & Zoning

Account Number189985
Old Parcel NumberR1001171222BD01400
Street Address20972 SPINNAKER ST
CityBEND
StateOR
Zip97701-8428
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT:5 SUBD:LAVA MEADOWS PHASE ONE SEC/TWN/RNG/MER:SEC 22 TWN 17 RNG 12 MAP REF:171222-BD
Legal Range12E
Legal Township17S
Legal Section22
Legal QuarterNW
Quarter-Quarter SectionSE
Legal SubdivisionLAVA MEADOWS PHASE ONE
Legal Lot Number5
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group1
Census Block1020
Census Tract1101

Owner

Source: Deschutes County records · APN 171222 BD 01400

Assessment roll updated September 30, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address20972 SPINNAKER ST, BEND, OR 97701-8428
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
GUILD MORTGAGE CO
Apr 30, 2019Warranty Deed, Transfer · Conventional Mortgage
GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 30, 2019 · Amount on Record
Deed SaleApr 30, 2019 · Amount on Record
Deed Document Number2019-13600
Record UpdatedJun 08, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Property Address20972 SPINNAKER ST, BEND, OR 97701-8428
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyAMERITITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000039696
DateAug 10, 2020
Instrument2020-39696
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateApr 30, 2019
Property Address20972 SPINNAKER ST, BEND, OR 97701-8428
Document Number0000013600
Map ReferenceCAB D PG 219
Instrument DateApr 26, 2019
Instrument2019-13600
Transaction TypeTransfer
Record UpdatedNov 12, 2021
Title CompanyWESTERN TITLE & ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1835 NE WELLS ACRES RD, BEND, OR 97701-6433

Mortgage

Document Number0000013601
DateApr 30, 2019
Instrument2019-13601
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

Tax Assessment & Valuation

Source: Deschutes County records · Assessment roll updated September 30, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateOregon
CountyDeschutes County
MunicipalityBend City
Unified School DistrictBend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,292.00 (+3.91%)$194,880 (+3%)$424,040 (-0.22%) Land $219,500 Building $204,540
2024$3,168.00 (+7.9%)$189,210 (+3%)$424,990 (+0.01%) Land $219,500 Building $205,490
2023$2,936.00$183,700$424,940 Land $214,500 Building $210,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Deschutes County (41017C), updated December 11, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 410170011011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 543 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
TDS TelecomCable1,000 / 20
Yellowknife Wireless CompanyFixed Wireless (licensed-by-rule)700 / 200
VerizonFixed Wireless300 / 20
Lumen TechnologiesDSL140 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: Webformix Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

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