$1,195,000
20123 Elder
Bend, OR 97703 · N/A
Down $105,000 from original list price $1,300,000.
Active19 days on market$571/sqft
Facts
Property details
Overview
Listing courtesy of Keller Williams Realty Central Oregon, agent Wendolyn Cooper
Data last updated June 20, 2026
Based on information from Oregon Data Share. All information provided is deemed reliable but is not guaranteed and should be independently verified. Listing information is for consumers personal, non-commercial use only.
There is a certain kind of quiet found in Tumalo. Meadow grass moving in the breeze, distant mountain views, and mornings where time seems to slow. Set on a beautifully maintained acre that lives like a far larger estate, this 4-bedroom, 2.5-bath retreat offers privacy, light-filled spaces, and understated luxury just minutes from Bend.
The experience unfolds effortlessly--coffee on the patio, evenings beneath the stars in the hot tub, the cedar sauna after a ski day, and an outdoor shower surrounded by nature. Barn, garage, RV parking, irrigation, pasture/meadow, and additional outbuildings provide flexibility for recreation, animals, or creative pursuits. Thoughtfully maintained with fully organic practices and enhanced by solar panels, this is peaceful country living with sophistication, sustainability, and soul.
This home is listed at $1,195,000 — 54.2% above the Bend median. See full Bend market →
A rough estimate, not a quote. A real number comes from a lender.
Loan amount $956,000 · $239,000 down · 30 year term
Monthly cash flow, cap rate, and cash-on-cash return at this price. Every number is an estimate you can adjust to your own financing and rent.
Estimate $2,799 ($2,525–$3,225) · HUD Fair Market Rent (FY2025), Deschutes County, 4BR. Edit to your own number.
At $1,195,000 with 25% down, this property runs $4,689 per month negative. Adjust the price, down payment, or rent to find what works.
Estimates only, not investment advice or a guarantee of rent, value, or return. Figures depend on the numbers you enter and current market conditions. Verify with your lender, tax advisor, and a Ryan Realty broker before you rely on them.
We pull climate risk data from FEMA flood maps, the Deschutes County wildland-urban interface map, and NOAA heat trends. Detailed scoring for this property is on request.
Get the climate reportWe compute vacation rental projections from comparable short-term rentals in the same community, weighted by bed count, view, and amenities. A custom projection for this property is on request.
Get the rental projectionBrowse current listings with a full video tour. See the flow, the light, and the lot before you book a showing.
