19994 Rock Bluff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 19994 Rock Bluff Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,202 sqft · built 1997
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2023)
Tax Bill	$4,862 (2025)
Deeds & Mortgages	Jun 2023 Sale Dec 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181207-AD-00108`

Property Details

APN / Parcel Number

Primary APN	`181207-AD-00108`
Alternative APNs	`R1001181207AD00108` `195116`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,202 sqft Living Area
Gross Area	2,934 sqft
1st Floor Area	1,282 sqft
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	732 sqft
Deck Area	432 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	195116
Street Address	19994 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 78
Legal Range	12
Legal Township	18
Legal Section	07
Legal Subdivision	ELKHORN ESTATES PHASE 6
Legal Lot Number	78
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1020
Census Tract	2103

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Bargain and Sale Deed, Transfer
Dec 30, 2020	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 24, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Aug 24, 2017 · Amount on Record
Deed Document Number	202316116
Prior Transfer Date	Jul 1, 2005
Prior Transfer Doc	0000043277
Record Updated	Oct 29, 2026

June 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jun 30, 2023
Property Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033
Document Number	0000016116
Instrument Date	Jun 30, 2023
Instrument	2023-16116
Transaction Type	Transfer
Record Updated	Jul 13, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071274
Date	Dec 30, 2020
Instrument	2020-71274

Lender

Name	ONPOINT COMMUNITY CU
Type	Credit Union
Address	PORTLAND, OR 97208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026452
Date	Jun 8, 2020
Instrument	2020-26452

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 24, 2017
Property Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033
Document Number	0000033780
Instrument Date	Aug 9, 2017
Instrument	2017-33780
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	19994 ROCK BLUFF CIR, BEND, OR 97702-2033

Mortgage

Document Number	0000033781
Date	Aug 24, 2017
Instrument	2017-33781

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$4,862.00 (+3.96%)	$287,770 (+3%)	$796,880 (+2.08%) Land $198,210 Building $598,670
2024	$4,677.00 (+7.86%)	$279,390 (+3%)	$780,630 (-) Land $181,960 Building $598,670
2023	$4,336.00 (+3.96%)	$271,260 (+6.09%)	$780,630 (+35.85%) Land $181,960 Building $598,670
2022	$4,171.00	$255,690	$574,630 Land $139,990 Building $434,640

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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Yellowknife Wireless Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Webformix.

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