19987 Rock Bluff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 19987 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	0.16 acres (6,970 sqft)
Owner	Trust Name on Record
Tax Bill	$4,748 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`181207 AD 00105`

Property Details

APN / Parcel Number

Primary APN	`181207 AD 00105`
Alternative APNs	`R1001181207AD00105` `195113`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,144 sqft Living Area
1st Floor Area	1,536 sqft
2nd Floor Area	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Split Level
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	462 sqft
Deck Area	32 sqft

Location & Zoning

Account Number	195113
Old Parcel Number	R1001181207AD00105
Street Address	19987 ROCK BLUFF CIR
City	BEND
State	OR
Zip	97702-2033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:81 SUBD:ELKHORN ESTATES PHASE 6 SEC/TWN/RNG/MER:SEC 07 TWN 18 RNG 12 MAP REF:181207-AD
Legal Range	12E
Legal Township	18S
Legal Section	07
Legal Quarter	NE
Quarter-Quarter Section	SE
Legal Subdivision	ELKHORN ESTATES PHASE 6
Legal Lot Number	81
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1013
Census Tract	2103

Owner

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

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

Owner of Record	Trust Name on Record
Mailing Address	19987 ROCK BLUFF CIR, BEND, OR 97702-2033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR MORTGAGE GROUP LLC
Dec 20, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019
Deed Sale	Dec 20, 2019
Prior Sale	Dec 26, 2006
Deed Document Number	0201950321
Deed Book / Page	2019 / 50321
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19987 ROCK BLUFF CIR, BEND, OR 97702-2033
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19987 ROCK BLUFF CIR, BEND, OR 97702-2033

Mortgage

Document Number	0000068048
Date	Dec 10, 2021
Instrument	2021-68048

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company
Address	BEND, OR 97702

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESCHUTES OR
Recording Date	Dec 20, 2019
Property Address	19987 ROCK BLUFF CIR, BEND, OR 97702-2033
Document Number	0000050321
Instrument Date	Dec 20, 2019
Instrument	50321
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	19987 ROCK BLUFF CIR BEND OR 977022033, BEND, OR 97702-2033

Tax Assessment & Valuation

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	$4,748.00 (+3.94%)	$281,010 (+3%)	$778,610 (+2.32%) Land $213,790 Building $564,820
2024	$4,568.00 (+7.89%)	$272,830 (+3%)	$760,950 (-) Land $196,130 Building $564,820
2023	$4,234.00	$264,890	$760,950 Land $196,130 Building $564,820

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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