20990 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20990 Spinnaker St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 1998
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$247,000 (Jun 2018)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`171222-BD-01700`

Property Details

APN / Parcel Number

Primary APN	`171222-BD-01700`
Alternative APNs	`R1001171222BD01700` `189988`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,316 sqft Living Area
Gross Area	1,716 sqft
1st Floor Area	1,316 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	189988
Street Address	20990 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 8
Legal Range	12
Legal Township	17
Legal Section	22
Legal Subdivision	LAVA MEADOWS PHASE ONE
Legal Lot Number	8
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1020
Census Tract	1101

Owner

Source: Deschutes County records, as of May 11, 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	20990 SPINNAKER ST, BEND, OR 97701-8428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Deed Document Number	201826901
Prior Transfer Date	Jul 24, 2015
Prior Transfer Doc	0000030758
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Apr 23, 2026
Property Address	20990 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000012100
Instrument Date	Apr 17, 2026
Instrument	202612100
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20990 SPINNAKER ST, BEND, OR 97701-8428
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012100,
Date	Apr 23, 2026
Instrument	202612100

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20990 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DESCHUTES COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021265
Date	May 12, 2020
Instrument	2020-21265

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

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

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 29, 2018
Property Address	20990 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000026901
Map Reference	CAB D PG219
Instrument Date	Jun 28, 2018
Instrument	2018-26901
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	DDESCHUTES COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20990 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000026902
Date	Jun 29, 2018
Instrument	2018-26902

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$3,234.00 (+3.92%)	$191,460 (+3%)	$416,370 (-0.23%) Land $213,000 Building $203,370
2024	$3,112.00 (+7.87%)	$185,890 (+3%)	$417,310 (+0.02%) Land $213,000 Building $204,310
2023	$2,885.00	$180,480	$417,230 Land $208,000 Building $209,230

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

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 62% of the US · lower than 85% of Oregon
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BEND serves 77,704 people · EPA ID OR4100100
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

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 Fixed Wireless	700 / 200
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Webformix.

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