20986 Lava Flow Ln, Bend, OR 97701 Property Records

Deschutes County property record for 20986 Lava Flow Ln, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,633 sqft · built 2005
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$819,000 (Feb 2026)
Tax Bill	$4,513 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171222-BA-04600`

Property Details

APN / Parcel Number

Primary APN	`171222-BA-04600`
Alternative APN	`245050`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,633 sqft Living Area
Gross Area	3,293 sqft
1st Floor Area	1,114 sqft
Breakfast Nook	Breakfast Nook
Great Room	Great Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Lot Area	5,663 sqft (0.13 acres)
Garage Area	660 sqft

Location & Zoning

Account Number	245050
Street Address	20986 LAVA FLOW LN
City	BEND
State	OR
Zip	97701-7108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LAVA RIDGES PHASE 3 LOT 74
Legal Range	12
Legal Township	17
Legal Section	22
Legal Subdivision	LAVA RIDGES PHASE 3
Legal Lot Number	74
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1007
Census Tract	1101

Owner

Source: Deschutes County assessment roll, as of November 5, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	20986 LAVA FLOW LN, BEND, OR 97701-7108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 13, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 2, 2020	Warranty Deed, Transfer WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Prior Sale	Nov 13, 2020 · Amount on Record
Deed Document Number	20264194
Prior Transfer Date	Jul 25, 2012
Prior Transfer Doc	0000032874
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Feb 13, 2026
Property Address	20986 LAVA FLOW LN, BEND, OR 97701-7108
Document Number	0000004194
Map Reference	CAB G PG 408
Instrument Date	Feb 12, 2026
Instrument	2026-04194
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	AMERITITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20986 LAVA FLOW LN, BEND, OR 97701-7108

Mortgage

Document Number	0000004195
Date	Feb 13, 2026
Instrument	2026-04195

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 13, 2020
Property Address	20986 LAVA FLOW LN, BEND, OR 97701-7108
Document Number	0000061235
Instrument Date	Nov 10, 2020
Instrument	2020-61235
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	20986 LAVA FLOW LN, BEND, OR 97701-7108

Mortgage

Document Number	0000061236
Date	Nov 13, 2020
Instrument	2020-61236

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 2, 2020
Property Address	20986 LAVA FLOW LN, BEND, OR 97701-7108
Document Number	0000051642
Instrument Date	Sep 24, 2020
Instrument	51642
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Tax	$581.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	61438 WEINHARD CT BEND OR 977023551, BEND, OR 97702-3551

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	$4,513.00 (+3.94%)	$267,140 (+3%)	$771,700 (-4.39%) Land $219,500 Building $552,200
2024	$4,342.00 (+7.88%)	$259,360 (+3%)	$807,130 (+1.02%) Land $219,500 Building $587,630
2023	$4,025.00	$251,810	$798,950 Land $214,500 Building $584,450

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	0.02% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable	1,000 / 20
Yellowknife Wireless Company Fixed Wireless	700 / 200
Lumen Technologies DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Webformix Company.

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