20991 Spinnaker St, #1, Bend, OR 97701 Property Records

Deschutes County property record for 20991 Spinnaker St, #1, Bend, OR 97701

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,818 sqft · built 1998
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$469,000 (Jun 2020)
Tax Bill	$5,111 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`171222 BD 00200`

Property Details

APN / Parcel Number

Primary APN	`171222 BD 00200`
Alternative APNs	`R1001171222BD00200` `189973`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,818 sqft Total Area
1st Floor Area	1,409 sqft

Exterior

Year Built	Built 1998
Architectural Style	Other
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Mixed
Garage Area	528 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	189973
Old Parcel Number	R1001171222BD00200
Street Address	20991 SPINNAKER ST # 1, 1
City	BEND
State	OR
Zip	97701-8428
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	GI
Legal Description	LOT:11 SUBD:LAVA MEADOWS PHASE ONE SEC/TWN/RNG/MER:SEC 22 TWN 17 RNG 12 MAP REF:171222-BD
Legal Range	12E
Legal Township	17S
Legal Section	22
Legal Quarter	NW
Quarter-Quarter Section	SE
Legal Subdivision	LAVA MEADOWS PHASE ONE
Legal Lot Number	11
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1021
Census Tract	1101

Owner

20991 Spinnaker St, #1 is owned and occupied by an individual who acquired it in August 2021.

Source: Deschutes County records, as of January 12, 2026

Owner of Record	Individual Name on File
Mailing Address	20991 SPINNAKER ST, BEND, OR 97701-8428
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ARBOR MORTGAGE GROUP LLC
Jun 16, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2020 · Amount on File
Deed Sale	Jun 16, 2020 · Amount on File
Prior Sale	Jun 16, 2020 · Amount on File
Deed Document Number	0000027976
Last Transfer Date	Aug 13, 2021
Transfer Doc	0000047224
Record Updated	Jun 8, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Aug 13, 2021
Property Address	20991 SPINNAKER ST # 1, 1, BEND, OR 97701-8428
Document Number	0000047224
Map Reference	CAB D PG 219
Instrument Date	Aug 9, 2021
Instrument	2021-47224
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	DESCHUTES COUNTY TITLE COMPANY, DESCHUTES COUNTY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20991 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000047225
Date	Aug 13, 2021
Instrument	2021-47225

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 16, 2020
Property Address	20991 SPINNAKER ST # 1, 1, BEND, OR 97701-8428
Document Number	0000027976
Map Reference	CAB D PG 219
Instrument Date	Jun 11, 2020
Instrument	2020-27976
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	20991 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000027977
Date	Jun 16, 2020
Instrument	2020-27977

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20991 Spinnaker St, #1 was $5,111, up 3.9% from the year before.

Source: Deschutes County assessment roll, as of September 30, 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	$5,111.00 (+3.92%)	$302,540 (+3%)	$616,050 (-0.26%) Land $213,000 Building $403,050
2024	$4,918.00 (+7.87%)	$293,730 (+3%)	$617,670 (-0.73%) Land $213,000 Building $404,670
2023	$4,559.00	$285,180	$622,190 Land $208,000 Building $414,190

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

Flood

FEMA maps place 20991 Spinnaker St, #1 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20991 Spinnaker St, #1 is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 543 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Webformix.

Nearby Properties on Spinnaker St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures