20606 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20606 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	1,430 sqft · built 2021
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Mar 2025)
Tax Bill	$3,152 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`181209 BD 00238`

Property Details

APN / Parcel Number

Primary APN	`181209 BD 00238`
Alternative APN	`280389`

Interior

Stories	1 Story
Building Area	1,430 sqft Living Area

Exterior

Year Built	Built 2021
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Mixed
Garage Area	263 sqft

Location & Zoning

Account Number	280389
Street Address	20606 SE GEMSTONE AVE
City	BEND
State	OR
Zip	97702-3856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:160 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	160
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1012
Census Tract	2002

Owner

20606 SE Gemstone Ave is owned and occupied by an individual who bought it in March 2025.

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

Owner of Record	Individual Name on File
Mailing Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 1, 2021	Intrafamily Transfer, Transfer AMROCK INC
Jul 12, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 9, 2021	Warranty Deed, Transfer WESTERN TITLE & ESCROW
Jul 9, 2021	Warranty Deed, Transfer WESTERN TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Prior Sale	Jul 14, 2023 · Amount on File
Deed Document Number	2025-07841
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	WESTERN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856

Mortgage

Document Number	0000007889
Date	Mar 23, 2026
Instrument	2026-07889

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2041

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 14, 2023
Property Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000017159
Map Reference	CAB I PG 833
Instrument Date	Jul 7, 2023
Instrument	2023-17159
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	WESTERN TITLE & ESCROW

Transaction

Amount	Amount on Record
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
Relationship	Revocable Trust
Address	806 MYSTIC DR # D502, D502, CAPE CANAVERAL, FL 32920-5329

Mortgage

Document Number	0000017160
Date	Jul 14, 2023
Instrument	2023-17160

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Oct 1, 2021
Property Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000056225
Map Reference	CAB 1 PG 833
Instrument Date	Sep 28, 2021
Instrument	2021-56225
Transaction Type	Transfer
Record Updated	Nov 28, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6679 LINDA LN, SAN DIEGO, CA 92120-3937

Mortgage

Document Number	0000056226
Date	Oct 1, 2021
Instrument	2021-56226

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Oct 1, 2021
Property Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000056227
Map Reference	CAB I PG 833
Instrument Date	Sep 28, 2021
Instrument	2021-56227
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	6679 LINDA LN, SAN DIEGO, CA 92120-3937

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESCHUTES OR
Recording Date	Jul 12, 2021
Property Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000041266
Map Reference	CAB 1 PG 833
Instrument Date	Jul 7, 2021
Instrument	2021-41266
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	6679 LINDA LN, SAN DIEGO, CA 92120-3937

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 9, 2021
Property Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000040929
Map Reference	CAB I PG 833
Instrument Date	Jul 6, 2021
Instrument	2021-40929
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

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 9, 2021
Property Address	20606 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000040930
Map Reference	CAB I PG 833
Instrument Date	Jul 6, 2021
Instrument	2021-40930
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

Tax Assessment & Valuation

The 2025 property tax bill for 20606 SE Gemstone Ave was $3,152, 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	$3,152.00 (+3.92%)	$186,600 (+3%)	$603,580 (+6.57%) Land $186,230 Building $417,350
2024	$3,033.00 (+7.86%)	$181,170 (+3%)	$566,350 (+2.03%) Land $186,230 Building $380,120
2023	$2,812.00 (+3.99%)	$175,900 (+301.41%)	$555,100 (+506.8%) Land $186,230 Building $368,870
2022	$2,704.00	$43,820	$91,480 Land $91,480

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20606 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 20606 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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