20996 Spinnaker St, Bend, OR 97701 Property Records

Deschutes County property record for 20996 Spinnaker St, Bend, OR 97701

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,552 sqft · built 1998
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Company Names on Record
Last Sale	$150,000 (Feb 2009)
Tax Bill	$3,723 (2025)
Deeds & Mortgages	Oct 2026 Sale Jul 2022 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`171222-BD-01800`

Property Details

APN / Parcel Number

Primary APN	`171222-BD-01800`
Alternative APNs	`R1001171222BD01800` `189989`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	1,552 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Area	576 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	189989
Street Address	20996 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 9
Legal Range	12
Legal Township	17
Legal Section	22
Legal Subdivision	LAVA MEADOWS PHASE ONE
Legal Lot Number	9
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1020
Census Tract	1101

Owner

Source: Deschutes County records, as of October 21, 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 Company Names on Record
Mailing Address	20996 SPINNAKER ST, BEND, OR 97701-8428
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 29, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 13, 2021	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC
Oct 27, 2017	Deed of Trust, Mortgage · Reverse Mortgage DIRECTORS MORTGAGE CO
Oct 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2009 · Amount on Record
Deed Sale	Feb 6, 2009 · Amount on Record
Prior Sale	Oct 5, 2007 · Amount on Record
Deed Document Number	20095312
Prior Transfer Date	Jul 27, 2005
Prior Transfer Doc	0000049619
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 8, 2026
Property Address	20996 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000030052
Instrument Date	Oct 7, 2026
Instrument	202630052
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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	Life Tenant
Address	20996 SPINNAKER ST, BEND, OR 97701-8428

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20996 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20996 SPINNAKER ST, BEND, OR 97701-8428

Mortgage

Document Number	0000029481
Date	Jul 29, 2022
Instrument	2022-29481

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	904 Months
Due	Nov 12, 2097

Interest

Rate Type	Adjustable Rate
Rate	4.94%
Type Change Date	Sep 1, 2022
Change Frequency	Monthly
Index	1-Year CMT

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20996 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029883
Date	May 13, 2021
Instrument	2021-29883

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	918 Months
Due	Nov 12, 2097

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20996 SPINNAKER ST, BEND, OR 97701-8428
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043175
Date	Oct 27, 2017
Instrument	2017-43175

Lender

Name	DIRECTORS MORTGAGE CO
Type	Mortgage Company
Address	LAKE OSWEGO, OR 97035

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	961 Months
Due	Nov 12, 2097

Interest

Rate Type	Adjustable Rate
Rate	4.56%
Type Change Date	Nov 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20996 SPINNAKER ST, BEND, OR 97701-8428
Document Number	0000043176
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20996 SPINNAKER ST BEND OR 977018428, BEND, OR 97701-8428

Mortgage

Document Number	0000043176
Date	Oct 27, 2017
Instrument	43176

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	960 Months
Due	Oct 26, 2097

Interest

Rate Type	Adjustable Rate
Rate	4.56%

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	$3,723.00 (+3.94%)	$220,380 (+3%)	$464,470 (-0.24%) Land $219,500 Building $244,970
2024	$3,582.00 (+7.86%)	$213,970 (+3%)	$465,600 (-0.2%) Land $219,500 Building $246,100
2023	$3,321.00	$207,740	$466,530 Land $214,500 Building $252,030

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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