20578 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20578 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	1,390 sqft · built 2021
Lot Size	0.08 acres (3,485 sqft)
Owner	Trust Name on File
Last Sale	$417,633 (May 2021)
Tax Bill	$3,183 (2025)
Deeds & Mortgages	May 2021 Sale May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`181209 BD 00231`

Property Details

APN / Parcel Number

Primary APN	`181209 BD 00231`
Alternative APN	`280382`

Interior

Stories	1 Story
Building Area	1,390 sqft Living Area

Exterior

Year Built	Built 2021
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Mixed
Garage Area	383 sqft

Location & Zoning

Account Number	280382
Street Address	20578 SE GEMSTONE AVE
City	BEND
State	OR
Zip	97702-3855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:153 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	153
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1012
Census Tract	2002

Owner

20578 SE Gemstone Ave is held in a trust since May 2021.

Source: Deschutes County records, as of January 12, 2026

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	6679 LINDA LN, SAN DIEGO, CA 92120-3937
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Warranty Deed, Transfer WESTERN TITLE & ESCROW
May 13, 2021	Warranty Deed, Transfer WESTERN TITLE & ESCROW

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 13, 2021 · Amount on File
Deed Sale	May 13, 2021 · Amount on File
Prior Sale	May 13, 2021 · Amount on File
Deed Document Number	2021-29878
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 13, 2021
Property Address	20578 SE GEMSTONE AVE, BEND, OR 97702-3855
Document Number	0000029878
Map Reference	CAB I PG 833
Instrument Date	May 12, 2021
Instrument	2021-29878
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount 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
Address	6679 LINDA LN, SAN DIEGO, CA 92120-3937

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	May 13, 2021
Property Address	20578 SE GEMSTONE AVE, BEND, OR 97702-3855
Document Number	0000029877
Map Reference	CAB I PG 833
Instrument Date	May 7, 2021
Instrument	2021-29877
Transaction Type	Transfer
Record Updated	Nov 28, 2022
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount 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
Address	6679 LINDA LN, SAN DIEGO, CA 92120-3937
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 20578 SE Gemstone Ave was $3,183, up 3.9% from the year before.

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	$3,183.00 (+3.92%)	$188,420 (+3%)	$609,780 (+6.61%) Land $186,230 Building $423,550
2024	$3,063.00 (+7.89%)	$182,940 (+3%)	$571,990 (+2.09%) Land $186,230 Building $385,760
2023	$2,839.00	$177,620	$560,300 Land $186,230 Building $374,070

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

FEMA maps place 20578 SE Gemstone Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20578 SE Gemstone Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.9% of Oregon
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 Fixed Wireless	700 / 200
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Webformix.

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