20597 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20597 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2,052 sqft · built 2020
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$453,225 (Nov 2020)
Tax Bill	$4,104 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181209 BD 00243`

Property Details

APN / Parcel Number

Primary APN	`181209 BD 00243`
Alternative APN	`280394`

Interior

Stories	2 Stories
Building Area	2,052 sqft Living Area

Exterior

Year Built	Built 2020
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Mixed
Garage Area	404 sqft

Location & Zoning

Account Number	280394
Street Address	20597 SE GEMSTONE AVE
City	BEND
State	OR
Zip	97702-3855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:134 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	134
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1012
Census Tract	2002

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 Record	Individual Name on Record
Mailing Address	20597 SE GEMSTONE AVE, BEND, OR 97702-3855
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2020 · Amount on Record
Deed Sale	Nov 6, 2020 · Amount on Record
Prior Sale	Nov 6, 2020 · Amount on Record
Deed Document Number	2020-59660
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Nov 6, 2020
Property Address	20597 SE GEMSTONE AVE, BEND, OR 97702-3855
Document Number	0000059660
Instrument Date	Nov 4, 2020
Instrument	2020-59660
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	20597SE GEMSTONE AVENUE, BEND, OR 97702-3855

Mortgage

Document Number	0000059661
Date	Nov 6, 2020
Instrument	2020-59661

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$4,104.00 (+3.95%)	$242,900 (+3%)	$645,550 (+7.93%) Land $186,230 Building $459,320
2024	$3,948.00 (+7.87%)	$235,830 (+3%)	$598,120 (+2.38%) Land $186,230 Building $411,890
2023	$3,660.00	$228,970	$584,230 Land $186,230 Building $398,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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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