17920 Flat Top Ln #12, Bend, OR, 97707
About This Home
Rare opportunity to own a unique architectural gem on a quiet circle, nestled on a private, treed corner lot bordering common area. Enjoy three levels of living space, including a daylight basement, plus a cozy living room with woodstove, surround sound, and custom wet bar. Light-filled kitchen with slate flooring and great functionality. Relax on the deck or in the newer hot tub (2022), regularly serviced by Water Works. Long driveway with plenty of parking and a two-car garage offer added convenience for guests and storage. With income potential and a desirable Sunriver location, this property offers flexibility for personal use or investment. Ideally located just minutes to Fort Rock Park, bike paths, Sunriver Village, and SHARC. Additional highlights include a 50-year metal roof and a setting that offers both privacy and convenience. A unique Sunriver retreat ready to enjoy.
Getting Around
Car-Dependent
No Nearby Transit
BikeableSchools
Construction
Condition
- Year built: 1978
Materials
- Foundation: Stemwall
- Roof: Metal
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Chalet
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven,Range,Refrigerator,Washer,Water Heater
Basement
- Has basement: Yes
- Basement: Daylight,Finished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
Features
- Central Vacuum,Kitchen Island,Pantry,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar,Wired for Data,Wired for Sound
- Flooring: Carpet,Stone
- Fireplace features: Insert,Living Room,Wood Burning
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls,No One Above,No One Below
Heating & Cooling
- Heating features: Fireplace(s),Electric,Forced Air,Natural Gas,Wood
- Cooling features: None
Interior Area
- Total structure area: 1,948
- Total interior livable area: 1,948 sqft
Property
Details
- Parcel number: 136451
- Zoning description: SURS
- Special condition: Standard
- Exclusions: Some owner personal belongings see inventory list
Features
- Levels: Multi/Split
- Pool features: None
- Patio & porch: Deck,Porch,Side Porch
- Spa features: Indoor Spa/Hot Tub,Spa/Hot Tub
- Has view: Yes
- View description: Neighborhood
Lot
- Lot size: 7,840 sqft
- Features: Adjoins Public Lands,Corner Lot
Parking
- Total spaces: 3
- Parking features: Driveway
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Wildfire
- Earthquake
- Hail
- Lightning
- Volcanic Activity
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Deschutes County and Oregon
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,939 | $47,268 |
| Home Insurance * | $140 | $1,680 |
| Property Taxes | $383 | $4,596 |
| Electricity | $176 | $2,121 |
| Total | $4,638 | $55,656 |
Income You'd Need if You Spent...
Oregon FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Listed for sale | $844,000 |
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