20642 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20642 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2,230 sqft · built 2021
Lot Size	0.08 acres (3,485 sqft)
Owner	Company Name on Record
Tax Bill	$3,689 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181209 BD 00282`

Property Details

APN / Parcel Number

Primary APN	`181209 BD 00282`
Alternative APN	`281884`

Interior

Stories	2 Stories
Building Area	2,230 sqft Living Area

Exterior

Year Built	Built 2021
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Mixed
Garage Area	398 sqft

Location & Zoning

Account Number	281884
Street Address	20642 SE GEMSTONE AVE
City	BEND
State	OR
Zip	97702-3856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:199 SUBD:STONE CREEK PHASE 5 SEC/TWN/RNG/MER:SEC 09 TWN 18 RNG 12 MAP REF:181209-BD
Legal Subdivision	STONE CREEK PHASE 5
Legal Lot Number	199
Jurisdiction	DESCHUTES OR
Township / Civil Division	BEND
Census Block Group	1
Census Block	1026
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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	20642 SE GEMSTONE AVE, BEND, OR 97702-3856
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage POINT DIGITAL FINANCE INC
Feb 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage POINT DIGITAL FINANCE INC
Apr 2, 2021	Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024
Deed Sale	Jun 28, 2024
Prior Sale	Apr 2, 2021 · Amount on Record
Deed Document Number	2024-16770
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20642 SE GEMSTONE AVE, BEND, OR 97702-3856
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023854
Date	Sep 26, 2023
Instrument	2023-23854

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20642 SE GEMSTONE AVE, BEND, OR 97702-3856
Transaction Type	Mortgage
Record Updated	Nov 28, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005366
Date	Feb 7, 2022
Instrument	2022-05366

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Apr 2, 2021
Property Address	20642 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000021007
Instrument Date	Mar 3, 2021
Instrument	2021-21007
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 28, 2022
Title Company	FIRST AMERICAN TITLE

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	20642 SE GEMSTONE AVE, BEND, OR 97702-3856

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	$3,689.00 (+3.94%)	$218,340 (+3%)	$621,550 (+7.06%) Land $186,230 Building $435,320
2024	$3,549.00 (+7.87%)	$211,990 (+3%)	$580,550 (-3.9%) Land $186,230 Building $394,320
2023	$3,290.00	$205,820	$604,130 Land $186,230 Building $417,900

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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