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20010 Rock Bluff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20010 Rock Bluff Cir, Bend, OR 97702

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,098 sqft · built 1997
Lot Size0.18 acres (7,841 sqft)
Owner2 Individual Names on File
Last Sale$155,389 (Mar 1998)
Tax Bill$4,728 (2025)
Deeds & MortgagesOct 2021 Mortgage
Mar 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN181208 BC 04700

Property Details

APN / Parcel Number

Primary APN181208 BC 04700
Alternative APNs
  • R1001181208BC04700
  • 195124

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,098 sqft Living Area
1st Floor Area1,077 sqft
2nd Floor Area1,021 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Architectural StyleSplit Level
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Garage TypeMixed
Garage Area518 sqft
Deck Area630 sqft

Utilities, Heating & Cooling

Heating SystemGas

Location & Zoning

Account Number195124
Old Parcel NumberR1001181208BC04700
Street Address20010 ROCK BLUFF CIR
CityBEND
StateOR
Zip97702-2044
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT:74 SUBD:ELKHORN ESTATES PHASE 6 SEC/TWN/RNG/MER:SEC 08 TWN 18 RNG 12 MAP REF:181208-BC
Legal Range12E
Legal Township18S
Legal Section08
Legal QuarterNW
Quarter-Quarter SectionSW
Legal SubdivisionELKHORN ESTATES PHASE 6
Legal Lot Number74
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group1
Census Block1020
Census Tract2103

Owner

20010 Rock Bluff Cir is owned and occupied by two individuals who bought it in March 1998.

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

Owner of Record2 Individual Names on File
Mailing Address20010 ROCK BLUFF CIR, BEND, OR 97702-2044
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUILD MORTGAGE CO
Mar 17, 2017Deed of Trust, Mortgage · Line of Credit
SELCO COMMUNITY CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 12, 1998 · Amount on File
Deed SaleMar 12, 1998 · Amount on File
Deed Document Number9984800774
Record UpdatedJun 8, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Property Address20010 ROCK BLUFF CIR, BEND, OR 97702-2044
Transaction TypeMortgage
Record UpdatedMay 26, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000060225
DateOct 25, 2021
Instrument2021-60225
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
AddressSAN DIEGO, CA 92111
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2051

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESCHUTES OR
Property Address20010 ROCK BLUFF CIR, BEND, OR 97702-2044
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyACCOMMODATION

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000010140
DateMar 17, 2017
Instrument2017-10140
Lender
NameSELCO COMMUNITY CU
TypeCredit Union
AddressSPRINGFIELD, OR 97477
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueMar 25, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 20010 Rock Bluff Cir was $4,728, up 3.9% from the year before.

Source: Deschutes County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateOregon
CountyDeschutes County
MunicipalityBend City
Unified School DistrictBend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,728.00 (+3.93%)$279,840 (+3%)$795,960 (+2.36%) Land $221,550 Building $574,410
2024$4,549.00 (+7.9%)$271,690 (+3%)$777,590 (-) Land $203,180 Building $574,410
2023$4,216.00$263,780$777,590 Land $203,180 Building $574,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20010 Rock Bluff Cir in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 20010 Rock Bluff Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemCITY OF BEND
serves 77,704 people · EPA ID OR4100100
Water SourceSurface water
Last State InspectionJul 2023
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting12
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

ProviderMax 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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