20035 Rock Bluff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20035 Rock Bluff Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,542 sqft · built 1997
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Trust Names on File
Last Sale	$365,000 (Mar 2018)
Tax Bill	$3,750 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181208-BC-04115`

Property Details

APN / Parcel Number

Primary APN	`181208-BC-04115`
Alternative APN	`192945`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,542 sqft Living Area
Gross Area	2,004 sqft
1st Floor Area	1,542 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
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	192945
Street Address	20035 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 69
Legal Range	12
Legal Township	18
Legal Section	08
Legal Subdivision	ELKHORN ESTATES PHASE 5
Legal Lot Number	69
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1013
Census Tract	2103

Owner

20035 Rock Bluff Cir is owner-occupied and held in a trust since March 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	20035 ROCK BLUFF CIR, BEND, OR 97702-2044
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Line of Credit ONPOINT COMMUNITY CU
Feb 6, 2026	Intrafamily Transfer, Transfer
Mar 2, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2018 · Amount on File
Deed Sale	Mar 2, 2018 · Amount on File
Prior Sale	Jan 6, 2015 · Amount on File
Deed Document Number	20188284
Prior Transfer Date	Jul 8, 2014
Prior Transfer Doc	0000022758
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20035 ROCK BLUFF CIR, BEND, OR 97702-2044
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023272
Date	Jun 9, 2022
Instrument	2022-23272

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 31, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Feb 6, 2026
Property Address	20035 ROCK BLUFF CIR, BEND, OR 97702-2044
Document Number	0000003474
Instrument Date	Feb 6, 2026
Instrument	2026-03474
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 2, 2018
Property Address	20035 ROCK BLUFF CIR, BEND, OR 97702-2044
Document Number	0000008284
Instrument Date	Feb 21, 2018
Instrument	2018-08284
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20035 ROCK BLUFF CIR, BEND, OR 97702-2044

Mortgage

Document Number	0000008290
Date	Mar 2, 2018
Instrument	2018-08290

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20035 Rock Bluff Cir was $3,750, 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	$3,750.00 (+3.94%)	$221,960 (+3%)	$634,690 (+2.63%) Land $198,210 Building $436,480
2024	$3,608.00 (+7.89%)	$215,500 (+3%)	$618,440 (-) Land $181,960 Building $436,480
2023	$3,344.00	$209,230	$618,440 Land $181,960 Building $436,480

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

Flood

FEMA maps place 20035 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 20035 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.

Nearby Properties on Rock Bluff Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures