20610 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20610 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2,101 sqft · built 2021
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$655,000 (Aug 2023)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181209 BD 00239`

Property Details

APN / Parcel Number

Primary APN	`181209 BD 00239`
Alternative APN	`280390`

Interior

Stories	2 Stories
Building Area	2,101 sqft Living Area

Exterior

Year Built	Built 2021
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Mixed
Garage Area	432 sqft

Location & Zoning

Account Number	280390
Street Address	20610 SE GEMSTONE AVE
City	BEND
State	OR
Zip	97702-3856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:161 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	161
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
Co-owner	Co-owner on Record
Mailing Address	20610 SE GEMSTONE AVE, BEND, OR 97702-3856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jul 16, 2021	Warranty Deed, Transfer WESTERN TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Jul 16, 2021 · Amount on Record
Deed Document Number	2023-21754
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20610 SE GEMSTONE AVE, BEND, OR 97702-3856
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	AMERITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20610 SE GEMSTONE AVE, BEND, OR 97702-3856

Mortgage

Document Number	0000027349
Date	Oct 6, 2025
Instrument	2025-27349

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Aug 31, 2023
Property Address	20610 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000021754
Map Reference	DOC 2020-04031
Instrument Date	Aug 25, 2023
Instrument	2023-21754
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	WESTERN TITLE & ESCROW

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
Relationship	Tenants by the Entirety
Address	20610 SE GEMSTONE AVE, BEND, OR 97702-3856

Mortgage

Document Number	0000021755
Date	Aug 31, 2023
Instrument	2023-21755

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 16, 2021
Property Address	20610 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000042225
Map Reference	DOC 2020-04031
Instrument Date	Jul 13, 2021
Instrument	2021-42225
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	WESTERN TITLE & ESCROW

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
Relationship	Family Trust
Address	8486 MATHIS PL, SAN DIEGO, CA 92127-6122

Mortgage

Document Number	0000042226
Date	Jul 16, 2021
Instrument	2021-42226

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

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

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Jul 16, 2021
Property Address	20610 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000042224
Map Reference	CAB I PG 833
Instrument Date	Jul 6, 2021
Instrument	2021-42224
Transaction Type	Transfer
Record Updated	Nov 28, 2022
Title Company	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	8486 MATHIS PL, SAN DIEGO, CA 92127-6122
Investor	Possibly a Property Investor

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	$3,601.00 (+3.92%)	$213,180 (+3%)	$653,500 (+7.22%) Land $186,230 Building $467,270
2024	$3,465.00 (+7.88%)	$206,980 (+3%)	$609,490 (+3.18%) Land $186,230 Building $423,260
2023	$3,212.00 (+3.95%)	$200,960 (+358.6%)	$590,720 (+545.74%) Land $186,230 Building $404,490
2022	$3,090.00	$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

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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