20573 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20573 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	1,991 sqft · built 2020
Lot Size	0.089 acres (3,920 sqft)
Owner	Company Name on File
Last Sale	$445,515 (Apr 2021)
Tax Bill	$3,795 (2025)
Deeds & Mortgages	Apr 2021 Sale Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181209 BD 00249`

Property Details

APN / Parcel Number

Primary APN	`181209 BD 00249`
Alternative APN	`280400`

Interior

Stories	2 Stories
Building Area	1,991 sqft Living Area

Exterior

Year Built	Built 2020
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Mixed
Garage Area	277 sqft

Location & Zoning

Account Number	280400
Street Address	20573 SE GEMSTONE AVE
City	BEND
State	OR
Zip	97702-3855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:140 SUBD:STONE CREEK PHASE 4 SEC/TWN/RNG/MER:SEC 09 TWN 18 RNG 12 MAP REF:181209-BD
Legal Subdivision	STONE CREEK PHASE 4
Legal Lot Number	140
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1012
Census Tract	2002

Owner

Source: Deschutes County assessment roll, as of September 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Co-owner	2 Verified Secondary Owners
Mailing Address	PO BOX 1990, SISTERS, OR 97759-1990
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Warranty Deed, Transfer NOT AVAILABLE, WESTERN TITLE & ESCROW
Apr 22, 2021	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	4 Verified Names on Deed
Last Sale	Apr 22, 2021 · Amount on Record
Deed Sale	Apr 22, 2021 · Amount on Record
Prior Sale	Apr 22, 2021 · Amount on Record
Deed Document Number	0000025438
Last Transfer Date	Jun 25, 2025
Transfer Doc	0000016444
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 22, 2021
Property Address	20573 SE GEMSTONE AVE, BEND, OR 97702-3855
Document Number	0000025437
Map Reference	CAB I PG 833
Instrument Date	Apr 19, 2021
Instrument	2021-25437
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	NOT AVAILABLE, WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20573 SE GEMSTONE AVE, BEND, OR 97702-3855
Investor	Possibly a Property Investor

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 22, 2021
Property Address	20573 SE GEMSTONE AVE, BEND, OR 97702-3855
Document Number	0000025438
Map Reference	CAB I PG 833
Instrument Date	Apr 15, 2021
Instrument	2021-25438
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025439
Date	Apr 22, 2021
Instrument	2021-25439

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Oregon
County	Deschutes County
Municipality	Bend City
Unified School District	Bend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,795.00 (+3.94%)	$224,630 (+3%)	$639,950 (+7.9%) Land $186,230 Building $453,720
2024	$3,651.00 (+7.86%)	$218,090 (+3%)	$593,100 (+1.97%) Land $186,230 Building $406,870
2023	$3,385.00	$211,740	$581,630 Land $186,230 Building $395,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 99.1% of Oregon
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BEND serves 77,704 people · EPA ID OR4100100
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 635 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber · Cable	1,000 / 1,000
Yellowknife Wireless Company Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20

May also be available: Lumen Technologies, Webformix Company.

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