22420 McArdle Rd, Bend, OR 97702 Property Records

Deschutes County property record for 22420 McArdle Rd, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,852 sqft · built 1990
Lot Size	9.67 acres (421,225 sqft)
Owner	Trust Name on File
Last Sale	$685,000 (Mar 2020)
Tax Bill	$4,252 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181317-B0-00400`

Property Details

APN / Parcel Number

Primary APN	`181317-B0-00400`
Alternative APNs	`R10791813170001800` `112558`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,852 sqft Living Area
Gross Area	2,842 sqft
1st Floor Area	1,852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	421,225 sqft (9.67 acres)
Garage Area	990 sqft
Deck Area	440 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Account Number	112558
Street Address	22420 MCARDLE RD
City	BEND
State	OR
Zip	97702-9269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	EFUTRB
Legal Description	SEC 17 - SW1/4 SW1/4 NW1/4 LESS: RD 9.62 AC
Legal Range	13
Legal Township	18
Legal Section	17
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1031
Census Tract	1901

Owner

22420 McArdle Rd is owner-occupied and held in a trust since January 2022.

Source: Deschutes County records, as of August 20, 2026

Owner of Record	Trust Name on File
Mailing Address	22420 MCARDLE RD, BEND, OR 97702-9269
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Jan 25, 2022	Intrafamily Transfer, Transfer
Mar 4, 2020	Warranty Deed, Transfer WESTERN TITLE & ESCROW
Mar 22, 2019	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2020 · Amount on File
Deed Sale	Mar 4, 2020 · Amount on File
Prior Sale	Mar 22, 2019 · Amount on File
Deed Document Number	20209720
Last Transfer Date	Jan 20, 2022
Transfer Doc	0000003378
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Aug 7, 2026
Property Address	22420 MCARDLE RD, BEND, OR 97702-9269
Document Number	0000023526
Instrument Date	Aug 3, 2026
Instrument	202623526
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	22420 MCARDLE RD, BEND, OR 97702-9269

Mortgage

Document Number	0000023526,
Date	Aug 7, 2026
Instrument	202623526

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Jan 25, 2022
Property Address	22420 MCARDLE RD, BEND, OR 97702-9269
Document Number	0000003378
Instrument Date	Jan 20, 2022
Instrument	2022-03378
Transaction Type	Transfer
Record Updated	Jan 13, 2026

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
Relationship	Revocable Trust
Address	22420 MCARDLE RD, BEND, OR 97702-9269

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 4, 2020
Property Address	22420 MCARDLE RD, BEND, OR 97702-9269
Document Number	0000009720
Instrument Date	Feb 6, 2020
Instrument	2020-09720
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount 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	23229 BUTTERFIELD TRL, BEND, OR 97702-9685

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 22, 2019
Property Address	22420 MCARDLE RD, BEND, OR 97702-9269
Document Number	0000009038
Instrument Date	Mar 20, 2019
Instrument	9038
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	WESTERN TITLE AND ESCROW COMPANY, WESTERN TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$611.00
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	22420 MCARDLE RD BEND OR 977029269, BEND, OR 97702-9269

Mortgage

Document Number	9039
Date	Mar 22, 2019
Instrument	9039

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 22420 McArdle Rd was $4,252, up 4.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
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	$4,252.00 (+4.47%)	$283,865 (+2.94%)	$1,237,700 (-) Land $631,370 Building $606,330
2024	$4,070.00 (+6.21%)	$275,755 (+2.94%)	$1,237,700 (-10.93%) Land $631,370 Building $606,330
2023	$3,832.00	$267,885	$1,389,640 Land $650,210 Building $739,430

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

FEMA maps place 22420 McArdle Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 11, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 22420 McArdle Rd is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · lower than 70% of Oregon
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
Wind Wireless Fixed Wireless	10 / 1

May also be available: AT&T, TDS Telecom, Webformix.

Cell Coverage

5G (outdoors only) and 4G LTE

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