20973 Miramar Dr, Bend, OR 97702 Property Records

Deschutes County property record for 20973 Miramar Dr, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,960 sqft · built 2006
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Nov 2025)
Tax Bill	$7,878 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181215-BD-01016`

Property Details

APN / Parcel Number

Primary APN	`181215-BD-01016`
Alternative APN	`248495`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,960 sqft Living Area
Gross Area	3,948 sqft
1st Floor Area	2,540 sqft
Attic	Attic
Attic Area	420 sqft
Breakfast Nook	Breakfast Nook
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
Lot Area	15,246 sqft (0.35 acres)
Garage Area	988 sqft
Deck Area	279 sqft

Location & Zoning

Account Number	248495
Street Address	20973 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 12
Legal Range	12
Legal Township	18
Legal Section	15
Legal Subdivision	SILVER RIDGE PUD
Legal Lot Number	12
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	3
Census Block	3007
Census Tract	1904

Owner

20973 Miramar Dr is owned and occupied by two individuals who acquired it in December 2025.

Source: Deschutes County records, as of May 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20973 MIRAMAR DR, BEND, OR 97702-9354
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Dec 19, 2025	Transfer on Death Deed, Transfer
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 12, 2025	Re-recorded Document AMERITITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on File
Deed Sale	Nov 12, 2025 · Amount on File
Prior Sale	Jun 23, 2011 · Amount on File
Deed Document Number	202531067
Last Transfer Date	Dec 19, 2025
Transfer Doc	0000035294
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20973 MIRAMAR DR, BEND, OR 97702-9354
Transaction Type	Mortgage
Record Updated	Jan 5, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033242
Date	Jun 1, 2021
Instrument	2021-33242

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 31, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 19, 2025
Property Address	20973 MIRAMAR DR, BEND, OR 97702-9354
Document Number	0000035294
Map Reference	CAB G PG 712
Instrument Date	Dec 19, 2025
Instrument	2025-35294
Transaction Type	Transfer
Record Updated	Jan 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20973 MIRAMAR DR, BEND, OR 97702-9354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1630 LAKEVIEW DR, BURLINGTON, NC 27217-8127

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20973 MIRAMAR DR, BEND, OR 97702-9354
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058858
Date	Nov 4, 2020
Instrument	2020-58858

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2040

November 2025: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	DESCHUTES OR
Recording Date	Nov 12, 2025
Property Address	20973 MIRAMAR DR, BEND, OR 97702-9354
Document Number	0000031067
Map Reference	CAB G PG 712
Instrument Date	Jun 21, 2011
Instrument	2025-31067
Record Updated	Jan 5, 2026
Title Company	AMERITITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1775 COLUMBIA PARK TRL APT 123, 123, RICHLAND, WA 99352-4813

Tax Assessment & Valuation

The 2025 property tax bill for 20973 Miramar Dr was $7,878, up 3.9% from the year before.

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	$7,878.00 (+3.95%)	$466,260 (+3%)	$1,105,120 (-) Land $319,680 Building $785,440
2024	$7,579.00 (+7.87%)	$452,680 (+3%)	$1,105,120 (-) Land $319,680 Building $785,440
2023	$7,026.00	$439,500	$1,105,120 Land $319,680 Building $785,440

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

Flood

FEMA maps place 20973 Miramar Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20973 Miramar Dr is moderate, ranking above 45% of the US, with a 0.06% annual chance of 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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