20029 Rock Bluff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20029 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	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$712,000 (Apr 2026)
Tax Bill	$4,504 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181208-BC-04116`

Property Details

APN / Parcel Number

Primary APN	`181208-BC-04116`
Alternative APNs	`R1001181208BC04116` `192946`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,144 sqft Living Area
Gross Area	2,606 sqft
1st Floor Area	1,536 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
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Area	462 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	192946
Street Address	20029 ROCK BLUFF CIR
City	BEND
State	OR
Zip	97702-2044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	ELKHORN ESTATES PHASE 5 LOT 70
Legal Range	12
Legal Township	18
Legal Section	08
Legal Subdivision	ELKHORN ESTATES PHASE 5
Legal Lot Number	70
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1013
Census Tract	2103

Owner

20029 Rock Bluff Cir is owned and occupied by two individuals who bought it in April 2026.

Source: Deschutes County records, as of May 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20029 ROCK BLUFF CIR, BEND, OR 97702-2044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITUS COMMUNITY CREDIT UNION
Oct 23, 2017	Deed of Trust, Mortgage · Line of Credit SELCO COMMUNITY CU
Nov 26, 2019	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Apr 27, 2018	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Prior Sale	Apr 27, 2018 · Amount on File
Deed Document Number	202612067
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 23, 2026
Property Address	20029 ROCK BLUFF CIR, BEND, OR 97702-2044
Document Number	0000012067
Instrument Date	Apr 16, 2026
Instrument	2026.12067
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	WESTERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	20029 ROCK BLUFF CIR, BEND, OR 97702-2044

Mortgage

Document Number	0000012068,
Date	Apr 23, 2026
Instrument	2026..12068

Lender

Name	UNITUS COMMUNITY CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20029 ROCK BLUFF CIR, BEND, OR 97702-2044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042510
Date	Oct 23, 2017
Instrument	2017-42510

Lender

Name	SELCO COMMUNITY CU
Type	Credit Union
Address	SPRINGFIELD, OR 97477

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20029 ROCK BLUFF CIR, BEND, OR 97702-2044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046251
Date	Nov 26, 2019
Instrument	2019-46251

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 27, 2018
Property Address	20029 ROCK BLUFF CIR, BEND, OR 97702-2044
Document Number	0000016929
Instrument Date	Apr 23, 2018
Instrument	2018-16929
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	WESTERN TITLE & ESCROW

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20029 ROCK BLUFF CIR, BEND, OR 97702-2044

Mortgage

Document Number	0000016930
Date	Apr 27, 2018
Instrument	2018-16930

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20029 Rock Bluff Cir was $4,504, up 3.9% from the year before.

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	$4,504.00 (+3.92%)	$266,610 (+3%)	$757,890 (+2.19%) Land $198,210 Building $559,680
2024	$4,334.00 (+7.89%)	$258,850 (+3%)	$741,640 (-) Land $181,960 Building $559,680
2023	$4,017.00	$251,320	$741,640 Land $181,960 Building $559,680

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 20029 Rock Bluff Cir 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

The area around 20029 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 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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