19980 Rock Bluff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 19980 Rock Bluff Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,144 sqft · built 1997
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$385,000 (Jun 2007)
Tax Bill	$4,975 (2025)
Deeds & Mortgages	Sep 2026 Reverse Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181207-AD-00110`

Property Details

APN / Parcel Number

Primary APN	`181207-AD-00110`
Alternative APNs	`R1001181207AD00110` `195118`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,144 sqft Living Area
Gross Area	2,826 sqft
1st Floor Area	1,536 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Area	682 sqft
Deck Area	154 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	195118
Street Address	19980 ROCK BLUFF CIR
City	BEND
State	OR
Zip	97702-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ELKHORN ESTATES PHASE 6 LOT 84
Legal Range	12
Legal Township	18
Legal Section	07
Legal Subdivision	ELKHORN ESTATES PHASE 6
Legal Lot Number	84
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1020
Census Tract	2103

Owner

Source: Deschutes County records, as of September 22, 2026

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

Owner of Record	Company Name on Record
Mailing Address	19980 ROCK BLUFF CIR, BEND, OR 97702-2033
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust · Reverse Mortgage NONE LISTED ON DOCUMENT
Oct 4, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Oct 4, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2007 · Amount on Record
Deed Sale	Jun 12, 2007 · Amount on Record
Prior Sale	Jan 28, 2004 · Amount on Record
Deed Document Number	200732842
Last Transfer Date	Aug 30, 2007
Transfer Doc	0000048211
Record Updated	Oct 29, 2026

September 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Recording Date	Sep 9, 2026
Property Address	19980 ROCK BLUFF CIR, BEND, OR 97702-2033
Document Number	0000027119
Instrument Date	Aug 21, 2026
Instrument	202627119
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	19980 ROCK BLUFF CIR, BEND, OR 97702-2033

Mortgage

Document Number	0000027119,
Date	Sep 9, 2026
Instrument	202627119

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	817 Months
Due	Oct 8, 2094

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19980 ROCK BLUFF CIR, BEND, OR 97702-2033
Document Number	0000039846
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	19980 ROCK BLUFF CIR BEND OR 977022033, BEND, OR 97702-2033

Mortgage

Document Number	0000039846
Date	Oct 17, 2019
Instrument	39846

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Oct 16, 2094

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19980 ROCK BLUFF CIR, BEND, OR 97702-2033
Document Number	0000039845
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	19980 ROCK BLUFF CIR BEND OR 977022033, BEND, OR 97702-2033

Mortgage

Document Number	0000039845
Date	Oct 17, 2019
Instrument	39845

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Oct 16, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.62%

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	$4,975.00 (+3.95%)	$294,470 (+3%)	$819,580 (+2.47%) Land $237,090 Building $582,490
2024	$4,786.00 (+7.87%)	$285,900 (+3%)	$799,800 (-) Land $217,310 Building $582,490
2023	$4,437.00	$277,580	$799,800 Land $217,310 Building $582,490

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

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

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

Wildfire Risk	Not rated no burnable land within 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 246 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.

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