20065 Rock Bluff Cir, Bend, OR 97702 Property Records

Deschutes County property record for 20065 Rock Bluff Cir, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1997
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Owner Names on File
Last Sale	$320,000 (May 2006)
Tax Bill	$3,837 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181208 BC 04110`

Property Details

APN / Parcel Number

Primary APN	`181208 BC 04110`
Alternative APNs	`R1001181208BC04110` `192940`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Lot Area	7,405 sqft (0.169 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	500 sqft
Deck Area	64 sqft

Location & Zoning

Account Number	192940
Old Parcel Number	R1001181208BC04110
Street Address	20065 ROCK BLUFF CIR
City	BEND
State	OR
Zip	97702-2044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:61 SUBD:ELKHORN ESTATES PHASE 5 SEC/TWN/RNG/MER:SEC 08 TWN 18 RNG 12 MAP REF:181208-BC
Legal Range	12E
Legal Township	18S
Legal Section	08
Legal Quarter	NW
Quarter-Quarter Section	SW
Legal Subdivision	ELKHORN ESTATES PHASE 5
Legal Lot Number	61
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1013
Census Tract	2103

Owner

The current owner of 20065 Rock Bluff Cir acquired it in July 2007.

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

Owner of Record	2 Owner Names on File
Mailing Address	20065 ROCK BLUFF CIR, BEND, OR 97702-2044
Occupancy	Owner Occupied

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 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARBOR MORTGAGE GROUP LLC
Dec 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARBOR MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2006 · Amount on File
Deed Sale	May 30, 2006 · Amount on File
Deed Document Number	0000037325
Last Transfer Date	Jul 30, 2007
Transfer Doc	0000041608
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20065 ROCK BLUFF CIR, BEND, OR 97702-2044
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034236
Date	Jun 7, 2021
Instrument	2021-34236

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company
Address	BEND, OR 97701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2046

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20065 ROCK BLUFF CIR, BEND, OR 97702-2044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048853
Date	Dec 13, 2019
Instrument	2019-48853

Lender

Name	ARBOR MORTGAGE GROUP LLC
Type	Mortgage Company
Address	BEND, OR 97701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 20065 Rock Bluff Cir was $3,837, up 3.9% from the year before.

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	$3,837.00 (+3.93%)	$227,150 (+3%)	$653,120 (+2.78%) Land $213,790 Building $439,330
2024	$3,692.00 (+7.86%)	$220,540 (+3%)	$635,460 (-) Land $196,130 Building $439,330
2023	$3,423.00	$214,120	$635,460 Land $196,130 Building $439,330

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

Flood

FEMA maps place 20065 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 20065 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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