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22305 Neff Rd, Bend, OR, 97701

4beds
2baths
2,308sqft
$695,000
$301price/sqft
$4,654/moest. monthly cost
$186,160/yrincome needed

About This Home

Enjoy the best of close-to-town acreage at 22305 Neff Rd. Set on 5.42 acres with 1 acre of irrigation, this 2,308 SF home offers a flexible layout with 4 bedrooms and 2 baths. The main level features a bright living area with fireplace, kitchen, two bedrooms, full bath, and a deck overlooking the pasture. The lower level includes a spacious bonus room with sliding glass door to the backyard, plus two additional bedrooms and a bath. Property includes a 575 SF shop, covered RV parking, and ample room for all your toys, animals, or future plans.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10

Construction

Condition

  • Year built: 1965

Materials

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

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Ceiling Fan(s),Fiberglass Stall Shower,Pantry,Shower/Tub Combo
  • Flooring: Carpet,Vinyl
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Forced Air,Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 2,308
  • Total interior livable area: 2,308 sqft

Property

Details

  • Parcel number: 109412
  • Zoning description: MUA10
  • Special condition: Standard
  • Exclusions: Conex box,hickory shed w/ rollup door

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Territorial
  • Horses can be raised: Yes

Lot

  • Lot size: 5.42 Acres
  • Features: Level,Pasture

Parking

  • Parking features: Detached Carport,Driveway,Gravel,RV Access/Parking
  • Has uncovered spaces: Yes
  • Carport: 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

  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $3,514$42,168
Home Insurance *$145$1,740
Property Taxes $786$9,432
Electricity $209$2,513
Total$4,654$55,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,565/yr
40% on housing$139,620/yr
45% on housing$124,106/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

$301This listing

vs Other Active Listings

Avg $/sqft

ZIP 97701$306
Deschutes County$360

vs Homes Sold Last Month

Median $/sqft

ZIP 97701$360
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
2026-08-14Pending sale$695,000
2026-07-17Price change$695,000
2026-06-19Listed for sale$750,000
2010-11-21Listing removed$469,000
2010-11-20Listed for sale$469,000
2010-10-03Listing removed$469,000
2010-09-29Price change$469,000
2010-09-20Price change$775,000
2010-09-18Price change$469,000
2010-09-13Price change$775,000
2010-09-10Price change$469,000
2010-09-09Price change$775,000
2010-09-08Price change$469,000
2010-09-06Price change$775,000
2010-09-02Price change$469,000
2010-08-24Price change$775,000
2010-07-24Price change$469,000
2010-07-21Price change$775,000
2010-06-25Price change$469,000
2010-06-16Price change$775,000
2010-06-14Price change$469,000
2010-06-11Price change$775,000
2010-04-10Price change$469,000
2010-04-03Price change$775,000
2010-03-19Listed for sale$469,000
1992-09-08Sold$145,000

For Sale by Agent

AgentJohnny Taylor Champa
BrokerageCascade Hasson SIR

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