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20594 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20594 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property TypeSingle Family Home
Details2,179 sqft · built 2021
Lot Size0.08 acres (3,485 sqft)
OwnerIndividual Name on Record
Last Sale$619,900 (Sep 2024)
Tax Bill$3,654 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Jun 2021 Sale
Flood ZoneZone X (minimal risk)
APN181209 BD 00235

Property Details

APN / Parcel Number

Primary APN181209 BD 00235
Alternative APN
  • 280386

Interior

Stories2 Stories
Building Area2,179 sqft Living Area

Exterior

Year BuiltBuilt 2021
Lot Area3,485 sqft (0.08 acres)
Garage TypeMixed
Garage Area414 sqft

Location & Zoning

Account Number280386
Street Address20594 SE GEMSTONE AVE
CityBEND
StateOR
Zip97702-3855
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT:157 SUBD:STONE CREEK PHASE 4 SEC/TWN/RNG/MER:SEC 09 TWN 18 RNG 12 MAP REF:181209-BD
Legal SubdivisionSTONE CREEK PHASE 4
Legal Lot Number157
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group1
Census Block1012
Census Tract2002

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address20594 SE GEMSTONE AVE, BEND, OR 97702-3855
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2021Warranty Deed, Transfer · Conventional Mortgage
MUTUAL OF OMAHA MORTGAGE INC
Jun 23, 2021Warranty Deed, Transfer
WESTERN TITLE & ESCROW

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 2024 · Amount on Record
Deed SaleSep 30, 2024 · Amount on Record
Prior SaleJun 23, 2021 · Amount on Record
Deed Document Number2024-25452
Record UpdatedJun 8, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateJun 23, 2021
Property Address20594 SE GEMSTONE AVE, BEND, OR 97702-3855
Document Number0000037641
Map ReferenceCAB I PG 833
Instrument DateJun 23, 2021
Instrument2021-37641
Transaction TypeTransfer
Record UpdatedNov 28, 2022
Title CompanyWESTERN TITLE & ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address20594 SE GEMSTONE AVE, BEND, OR 97702-3855

Mortgage

Document Number0000037642
DateJun 23, 2021
Instrument2021-37642
Lender
NameMUTUAL OF OMAHA MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateJun 23, 2021
Property Address20594 SE GEMSTONE AVE, BEND, OR 97702-3855
Document Number0000037640
Map ReferenceCAB I PG 833
Instrument DateJun 3, 2021
Instrument2021-37640
Transaction TypeTransfer
Record UpdatedNov 28, 2022
Title CompanyWESTERN TITLE & ESCROW

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address61540 SE LORENZO DR # 3, 3, BEND, OR 97702-3765
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOregon
CountyDeschutes County
MunicipalityBend City
Unified School DistrictBend-La Pine Administrative School District 1 (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,654.00 (+3.92%)$216,310 (+3%)$662,310 (+7.26%) Land $186,230 Building $476,080
2024$3,516.00 (+7.89%)$210,010 (+3%)$617,470 (+3.11%) Land $186,230 Building $431,240
2023$3,259.00$203,900$598,830 Land $186,230 Building $412,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 95% of the US · lower than 98.9% of Oregon
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemCITY OF BEND
serves 77,704 people · EPA ID OR4100100
Water SourceSurface water
Last State InspectionJul 2023
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting12
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

ProviderMax 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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