Deschutes County property record for 20630 SE Gemstone Ave, Bend, OR 97702
| Property Type | Single Family Home |
|---|---|
| Details | 2,038 sqft · built 2021 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $486,020 (May 2021) |
| Tax Bill | $3,568 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 181209-BD-00279 |
| Primary APN | 181209-BD-00279 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,038 sqft |
| Gross Area | 431 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Bi-Level |
| Lot Area | 3,485 sqft (0.08 acres) |
| Account Number | 281881 |
|---|---|
| Street Address | 20630 SE GEMSTONE AVE |
| City | BEND |
| State | OR |
| Zip | 97702-3856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | STONE CREEK PHASE 5 LOT 202 |
| Legal Range | 12 |
| Legal Township | 18 |
| Legal Section | 09 |
| Legal Subdivision | STONE CREEK PHASE 5 |
| Legal Lot Number | 202 |
| Jurisdiction | DESCHUTES OR |
| Township / Civil Division | BEND |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 2002 |
20630 SE Gemstone Ave is owned and occupied by two individuals who bought it in May 2021.
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20630 SE GEMSTONE AVE, BEND, OR 97702-3856 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2021 · Amount on File |
| Deed Sale | May 13, 2021 · Amount on File |
| Deed Document Number | 202129807 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESCHUTES OR |
| Recording Date | May 13, 2021 |
| Property Address | 20630 SE GEMSTONE AVE, BEND, OR 97702-3856 |
| Document Number | 0000029807 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 2021-29807 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 28, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20630 SE GEMSTONE AVE, BEND, OR 97702-3856 |
| Document Number | 0000029808 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 2021-29808 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 20630 SE Gemstone Ave was $3,568, up 3.9% from the year before.
Source: Deschutes County assessment roll, as of November 5, 2025
| Type | Name |
|---|---|
| State | Oregon |
| County | Deschutes County |
| Municipality | Bend City |
| Unified School District | Bend-La Pine Administrative School District 1 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,568.00 (+3.93%) | $211,210 (+3%) | $602,240 (+6.96%) Land $186,230 Building $416,010 |
| 2024 | $3,433.00 (+7.89%) | $205,060 (+3%) | $563,060 (-3.85%) Land $186,230 Building $376,830 |
| 2023 | $3,182.00 | $199,090 | $585,600 Land $186,230 Building $399,370 |
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.
FEMA maps place 20630 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 risk around 20630 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.
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 |
| 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.
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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