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56244 Black Duck Rd, Bend, OR, 97707

1beds
1baths
957sqft
$397,000
$415price/sqft
$2,848/moest. monthly cost
$113,920/yrincome needed

About This Home

Tucked into the trees in Oregon Water Wonderland, this cozy cabin sits on nearly half an acre with plenty of room to add a shop or build a larger dwelling down the road. Recent updates include engineered oak flooring in the great room, new carpet and tile, fresh paint, a wood-stove, new appliances, and new windows that flood the space with natural light. A large storage shed on the property offers great potential as a future workshop. The community is what really sets this place apart. The Deschutes River is a short walk away via the private community marina, and you're surrounded by national forest with endless trails, fishing, and adventures out your door. Enjoy great-tasting community water and community sewer, no well or septic to maintain, unlike much of the surrounding Sunriver area. A short drive to Bend, and Mt. Bachelor

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
36
BikeSomewhat Bikeable

Schools

4/10
Three Rivers K-8 SchoolGrades K-82.1 mi
2/10
Lapine Senior High SchoolGrades 9-1211.6 mi
4/10
Caldera High SchoolGrades 9-1214.4 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Stemwall
  • Roof: Composition

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1

Features

  • Ceiling Fan(s),Open Floorplan,Primary Downstairs,Shower/Tub Combo,Vaulted Ceiling(s)
  • Window features: Double Pane Windows,Vinyl Frames
  • Flooring: Carpet,Vinyl
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Ductless,Electric,Wood
  • Cooling features: Ductless

Interior Area

  • Total structure area: 957
  • Total interior livable area: 957 sqft

Property

Details

  • Parcel number: 125554
  • Zoning description: rr10
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Fencing: Fenced
  • Has view: Yes
  • View description: Forest

Lot

  • Lot size: 0.46 Acres
  • Features: Garden,Landscaped,Level

Parking

  • Parking features: Driveway,RV Access/Parking
  • 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 $2,007$24,084
Home Insurance *$71$852
Property Taxes $594$7,128
Electricity $176$2,119
Total$2,848$34,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,645/yr
40% on housing$85,440/yr
45% on housing$75,946/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

$415This listing

vs Other Active Listings

Avg $/sqft

ZIP 97707$438
Deschutes County$361

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
2026-07-27Price change$397,000
2026-07-01Price change$420,000
2026-05-15Listed for sale$440,000
2024-09-13Listing removed$1,850
2024-08-07Price change$1,850
2024-07-25Listed for rent$2,000
2024-07-18Listing removed--
2024-06-06Price change$442,000
2024-04-11Price change$446,500
2024-03-28Listed for sale$447,000
2023-11-21Sold$365,000
2023-10-26Pending sale$369,000
2023-10-23Listed for sale$369,000

For Sale by Agent

AgentCody Austin Tuma
Brokerage541 Home Sales

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