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21512 SE Etna Pl, Bend, OR, 97702

4beds
3baths
2,230sqft
$649,000
$291price/sqft
$4,530/moest. monthly cost
$181,200/yrincome needed

About This Home

Skip the wait and extra cost of new construction -this Coral plan home in Stevens Ranch is already finished and move-in ready. The backyard is fully completed with a patio, covered space, and fire pit area, offering immediate outdoor living without the added expense or time. Inside, the open-concept layout is bright and functional, with clean, modern finishes and a natural flow between living, kitchen, and dining. Lightly lived in and well maintained, the home requires no post-purchase projects. Seller is offering a credit that can be used toward closing costs, rate buy-down, or lowering your monthly payment -giving you flexibility in how you structure your purchase. Located near parks, schools, and everyday amenities. Open Houses this Friday-Sunday

Getting Around

3
WalkingCar-Dependent
22
TransitMinimal Transit
24
BikeSomewhat Bikeable

Schools

6/10
5/10
4/10
Caldera High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Frame

Other

  • Builder name: DR Horton

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3

Features

  • Smart Lock(s),Smart Light(s),Enclosed Toilet(s),Kitchen Island,Linen Closet,Open Floorplan,Pantry,Smart Thermostat,Soaking Tub,Tile Shower,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Vinyl
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Whole House Fan

Interior Area

  • Total structure area: 2,230
  • Total interior livable area: 2,230 sqft

Property

Details

  • Parcel number: 289714
  • Zoning description: RS
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),Neighborhood

Lot

  • Lot size: 3,484 sqft
  • Features: Landscaped,Sprinkler Timer(s),Sprinklers In Front

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
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 $3,281$39,372
Home Insurance *$125$1,500
Property Taxes $922$11,064
Electricity $202$2,428
Total$4,530$54,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,314/yr
40% on housing$135,900/yr
45% on housing$120,800/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

$291This listing

vs Other Active Listings

Avg $/sqft

ZIP 97702$421
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)

Price History

DateEventPrice
2026-03-18Listed for sale$675,000
2025-02-15Listing removed$681,995
2025-01-24Listed for sale$681,995

For Sale by Agent

AgentRoger D Lowe
BrokerageLowes Flat Fee Realty A Homezu Partner

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