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12 SW Roosevelt Ave, Bend, OR, 97702

2beds
2baths
1,152sqft
$685,000
$595price/sqft
$4,756/moest. monthly cost
$190,240/yrincome needed

About This Home

Light, layout and location - and this one sits minutes from the Old Mill District. Southern-facing windows and vaulted ceilings define a great room that feels open without feeling oversized. The island kitchen is where the day starts; the second-story deck is where it ends. Reversed living means the main spaces are where the light and energy are. One bedroom and full bath on the main level, and a second bedroom upstairs - lives like dual primaries. Quartz countertops and custom soft-close cabinetry in the kitchen. Bathrooms with lighted vanity mirrors and tiled showers. Finished garage with epoxy floors, EV charger and extra storage. No HOA. Designed by Hiatus - the team behind some of Bend's most thoughtfully designed, right-sized homes - and built to Zero Energy Ready standards with a 10/10 Home Energy Score. From here, the river trail, downtown Bend, shopping, dining and live music are practically in your backyard.

Getting Around

62
WalkingSomewhat Walkable
27
TransitSome Transit
82
BikeVery Bikeable

Schools

7/10
10/10
Cascade Middle SchoolGrades 6-81.7 mi
5/10
Bend Senior High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Stemwall
  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Northwest
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Range Hood,Refrigerator,Washer,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Ceiling Fan(s),Kitchen Island,Linen Closet,Open Floorplan,Shower/Tub Combo,Tile Shower,Vaulted Ceiling(s)
  • Window features: Low Emissivity Windows,ENERGY STAR Qualified Windows,Vinyl Frames
  • Flooring: Carpet,Hardwood,Tile
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Ductless,ENERGY STAR Qualified Equipment
  • Cooling features: Ductless,ENERGY STAR Qualified Equipment,Heat Pump,Whole House Fan

Interior Area

  • Total structure area: 1,152
  • Total interior livable area: 1,152 sqft

Property

Details

  • Parcel number: 285457
  • Zoning description: RM
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Fenced

Lot

  • Lot size: 2,613 sqft
  • Features: Drip System,Landscaped,Level,Native Plants,Sprinkler Timer(s),Sprinklers In Front

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete,Driveway,Electric Vehicle Charging Station(s),Storage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather

FEMA Declared Disasters in Deschutes County and Oregon

Fire
Flood
Mud Landslide
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,463$41,556
Home Insurance *$132$1,584
Property Taxes $985$11,820
Electricity $176$2,119
Total$4,756$57,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,062/yr
40% on housing$142,680/yr
45% on housing$126,826/yr

Oregon FAIR Plan Programs

Oregon FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,377Commercial: 170
Total Premiums$3.07M
Total Exposure$840.98M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$595This listing

vs Other Active Listings

Avg $/sqft

ZIP 97702$420
Deschutes County$360

vs Homes Sold Last Month

Median $/sqft

ZIP 97702$357
Deschutes County$380

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-08Price change$685,000
2026-04-10Listed for sale$694,000
2024-11-15Listing removed$750,000
2024-11-08Listed for sale$750,000
2024-11-02Listing removed$750,000
2024-06-28Listed for sale$750,000

For Sale by Agent

AgentVarsity Real Estate
BrokerageVarsity Real Estate

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