61438 Rock Bluff Ln, Bend, OR 97702 Property Records

Deschutes County property record for 61438 Rock Bluff Ln, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,046 sqft · built 1997
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Oct 2017)
Tax Bill	$4,438 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181208 BC 04103`

Property Details

APN / Parcel Number

Primary APN	`181208 BC 04103`
Alternative APNs	`R1001181208BC04103` `192354`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,046 sqft Living Area
1st Floor Area	1,078 sqft
2nd Floor Area	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Split Level
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
View / Lot	Average
Garage Type	Mixed
Garage Area	518 sqft
Deck Area	116 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	192354
Old Parcel Number	R1001181208BC04103
Street Address	61438 ROCK BLUFF LN
City	BEND
State	OR
Zip	97702-2000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:56 SUBD:ELKHORN ESTATES PHASE 4 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 4
Legal Lot Number	56
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1013
Census Tract	2103

Owner

61438 Rock Bluff Ln is owned and occupied by an individual who bought it in October 2017.

Source: Deschutes County records, as of January 12, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	61438 ROCK BLUFF LN, BEND, OR 97702-2000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Feb 1, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Oct 31, 2017	Warranty Deed, Transfer · Conventional Mortgage BOFI FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on File
Deed Sale	Oct 31, 2017 · Amount on File
Deed Document Number	2017-43874
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	61438 ROCK BLUFF LN, BEND, OR 97702-2000
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054033
Date	Sep 21, 2021
Instrument	2021-54033

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	61438 ROCK BLUFF LN, BEND, OR 97702-2000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOUTHWEST FINANCIAL SVCS LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004104
Date	Feb 1, 2017
Instrument	2017-04104

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Dec 11, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	61438 ROCK BLUFF LN, BEND, OR 97702-2000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020027
Date	May 4, 2020
Instrument	2020-20027

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Oct 31, 2017
Property Address	61438 ROCK BLUFF LN, BEND, OR 97702-2000
Document Number	0000043874
Instrument Date	Oct 27, 2017
Instrument	2017-43874
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	61438 ROCK BLUFF LN, BEND, OR 97702-2000

Mortgage

Document Number	0000043875
Date	Oct 31, 2017
Instrument	2017-43875

Lender

Name	BOFI FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 61438 Rock Bluff Ln was $4,438, 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	$4,438.00 (+3.93%)	$262,680 (+3%)	$746,800 (+2.22%) Land $198,210 Building $548,590
2024	$4,270.00 (+7.88%)	$255,030 (+3%)	$730,550 (-) Land $181,960 Building $548,590
2023	$3,958.00	$247,610	$730,550 Land $181,960 Building $548,590

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

Flood

FEMA maps place 61438 Rock Bluff Ln 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 61438 Rock Bluff Ln 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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