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20618 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20618 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property TypeSingle Family Home
Details2,506 sqft · built 2021
Lot Size0.09 acres (3,920 sqft)
OwnerIndividual Name on Record
Last Sale$596,695 (May 2021)
Tax Bill$3,890 (2025)
Deeds & MortgagesMay 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN181209-BD-00276

Property Details

APN / Parcel Number

Primary APN181209-BD-00276
Alternative APN
  • 281878

Interior

Stories2 Stories
Building Area2,506 sqft
Gross Area380 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleBi-Level
Lot Area3,920 sqft (0.09 acres)

Location & Zoning

Account Number281878
Street Address20618 SE GEMSTONE AVE
CityBEND
StateOR
Zip97702-3856
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal DescriptionSTONE CREEK PHASE 5 LOT 205
Legal Range12
Legal Township18
Legal Section09
Legal SubdivisionSTONE CREEK PHASE 5
Legal Lot Number205
JurisdictionDESCHUTES OR
Township / Civil DivisionBEND
Census Block Group1
Census Block1026
Census Tract2002

Owner

Source: Deschutes County records, as of May 18, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address20618 SE GEMSTONE AVE, BEND, OR 97702-3856
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 19, 2021 · Amount on Record
Deed SaleMay 19, 2021 · Amount on Record
Deed Document Number202130948
Record UpdatedJun 8, 2026

May 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionDESCHUTES OR
Recording DateMay 19, 2021
Property Address20618 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number0000030948
Instrument DateFeb 22, 2021
Instrument2021-30948
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 28, 2022
Title CompanyFIRST AMERICAN TITLE

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
Address20618 SE GEMSTONE AVE, BEND, OR 97702-3856

Mortgage

Document Number0000030949
DateMay 19, 2021
Instrument2021-30949
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

Source: Deschutes County assessment roll, as of November 5, 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$3,890.00 (+3.96%)$230,240 (+3%)$653,680 (+7.22%) Land $186,230 Building $467,450
2024$3,742.00 (+7.87%)$223,540 (+3%)$609,650 (-3.99%) Land $186,230 Building $423,420
2023$3,469.00$217,030$634,980 Land $186,230 Building $448,750

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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