Deschutes County property record for 20978 Spinnaker St, Bend, OR 97701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,868 sqft · built 1997 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $142,000 (Jan 2010) |
| Tax Bill | $3,849 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 171222-BD-01500 |
| Primary APN | 171222-BD-01500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,868 sqft Living Area |
| Gross Area | 2,393 sqft |
| 1st Floor Area | 1,243 sqft |
| Basement Area | 625 sqft |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 525 sqft |
| Deck Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Water Source | Commercial |
| Account Number | 189986 |
|---|---|
| Street Address | 20978 SPINNAKER ST |
| City | BEND |
| State | OR |
| Zip | 97701-8428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LAVA MEADOWS PHASE ONE LOT 6 |
| Legal Range | 12 |
| Legal Township | 17 |
| Legal Section | 22 |
| Legal Subdivision | LAVA MEADOWS PHASE ONE |
| Legal Lot Number | 6 |
| Jurisdiction | DESCHUTES OR |
| Township / Civil Division | BEND |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 1101 |
Source: Deschutes County records · APN 171222-BD-01500
Assessment roll updated November 5, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 20978 SPINNAKER ST, BEND, OR 97701-8428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Aug 07, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 19, 2010 · Amount on Record |
| Deed Sale | Jan 19, 2010 · Amount on Record |
| Prior Sale | Feb 22, 2006 · Amount on Record |
| Deed Document Number | 20102787 |
| Prior Transfer Date | Apr 13, 2009 |
| Prior Transfer Doc | 0000017814 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Property Address | 20978 SPINNAKER ST, BEND, OR 97701-8428 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000042047 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 2021-42047 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Property Address | 20978 SPINNAKER ST, BEND, OR 97701-8428 |
| Document Number | 0000031716 |
| Instrument Date | Aug 07, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20978 SPINNAKER ST BEND OR 977018428, BEND, OR 97701-8428 |
| Document Number | 0000031716 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 31716 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 10, 2047 |
Source: Deschutes County records · Assessment roll updated November 5, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Oregon |
| County | Deschutes County |
| Municipality | Bend City |
| Unified School District | Bend-La Pine Administrative School District 1 (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,849.00 (+3.94%) | $227,810 (+3%) | $441,110 (-0.24%) Land $213,000 Building $228,110 |
| 2024 | $3,703.00 (+7.86%) | $221,180 (+3%) | $442,160 (-0.12%) Land $213,000 Building $229,160 |
| 2023 | $3,433.00 | $214,740 | $442,680 Land $208,000 Building $234,680 |
Source: FEMA National Flood Hazard Layer as of December 11, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Cable | 1,000 / 20 |
| Yellowknife Wireless Company Fixed Wireless | 700 / 200 |
| Verizon Fixed Wireless | 300 / 20 |
| Lumen Technologies DSL | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Webformix Company.
Based on FCC filings for 543 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF BEND serves 77,704 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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