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55915 Wood Duck Dr, Bend, OR, 97707

3beds
2baths
1,167sqft
$696,000
$596price/sqft
$4,802/moest. monthly cost
$192,080/yrincome needed

About This Home

Big Deschutes River frontage, an approved shared dock, and a classic log cabin create a rare Central Oregon retreat. Set on .68 wooded acres, the property offers direct access to the river by a long walkway through natural river grasses to the dock located on the subject property. The warm log cabin features vaulted wood ceilings, a wood stove, open living and dining spaces, a main-level bedroom, and an upper sleeping loft. A separate permitted 276 SF conditioned bedroom and bathroom provides flexible guest space near the detached garage. Recently replaced wraparound and connecting decks bring the cabin, guest space, and natural setting together. Public sewer, community water, garage and gear storage, river views, and access to nearby trails and public lands complete a property well suited for recreation, retreat, or full-time use.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
38
BikeSomewhat Bikeable

Schools

4/10
Three Rivers K-8 SchoolGrades K-83.1 mi
2/10
Lapine Senior High SchoolGrades 9-1210.7 mi
4/10
Caldera High SchoolGrades 9-1215.5 mi

Construction

Condition

  • Year built: 1990

Materials

  • Foundation: Slab,Other
  • Roof: Composition
  • Construction materials: Log

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Features

  • Ceiling Fan(s),Fiberglass Stall Shower,Vaulted Ceiling(s)
  • Window features: Aluminum Frames,Double Pane Windows,Skylight(s)
  • Flooring: Carpet,Vinyl
  • Fireplace features: Great Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Fireplace(s),Baseboard,Electric,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 892
  • Total interior livable area: 1,167 sqft

Property

Details

  • Parcel number: 125262
  • Zoning description: RR10
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered Deck,Wrap Around
  • Exterior features: Dock
  • Has view: Yes
  • View description: Forest,River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront

Lot

  • Lot size: 0.68 Acres
  • Features: Level,Native Plants

Parking

  • Total spaces: 2
  • Parking features: Detached,Driveway,Gravel
  • 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 FloodingVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Volcanic Activity
    Volcanic ActivityModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Hail
Volcanic Activity
Wildfire

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 $3,519$42,228
Home Insurance *$125$1,500
Property Taxes $982$11,784
Electricity $176$2,119
Total$4,802$57,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,640/yr
40% on housing$144,060/yr
45% on housing$128,053/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

$596This listing

vs Other Active Listings

Avg $/sqft

ZIP 97707$435
Deschutes County$360

vs Homes Sold Last Month

Median $/sqft

ZIP 97707$442
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
2026-08-15Price change$656,000
2026-06-21Listed for sale$696,000

For Sale by Agent

AgentNola Jean Horton-Jones
BrokerageCascade Hasson SIR

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