20646 SE Gemstone Ave, Bend, OR 97702 Property Records

Deschutes County property record for 20646 SE Gemstone Ave, Bend, OR 97702

Property Summary

Property Type	Single Family Home
Details	2,506 sqft · built 2020
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$526,545 (Mar 2021)
Tax Bill	$4,105 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181209 BD 00283`

Property Details

APN / Parcel Number

Primary APN	`181209 BD 00283`
Alternative APN	`281885`

Interior

Stories	2 Stories
Building Area	2,506 sqft Living Area

Exterior

Year Built	Built 2020
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Mixed
Garage Area	380 sqft

Location & Zoning

Account Number	281885
Street Address	20646 SE GEMSTONE AVE
City	BEND
State	OR
Zip	97702-3856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:198 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	198
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	20646 SE GEMSTONE AVE, BEND, OR 97702-3856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 24, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	2021-18729
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESCHUTES OR
Property Address	20646 SE GEMSTONE AVE, BEND, OR 97702-3856
Transaction Type	Mortgage
Record Updated	Jan 24, 2024
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001118
Date	Jan 12, 2024
Instrument	2024-01118

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2039

March 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESCHUTES OR
Recording Date	Mar 24, 2021
Property Address	20646 SE GEMSTONE AVE, BEND, OR 97702-3856
Document Number	0000018729
Instrument Date	Mar 3, 2021
Instrument	2021-18729
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 8, 2023
Title Company	FIRST AMERICAN TITLE

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	20646 SE GEMSTONE AVE, BEND, OR 97702-3856

Mortgage

Document Number	0000018730
Date	Mar 24, 2021
Instrument	2021-18730

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

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	$4,105.00 (+3.95%)	$242,970 (+3%)	$661,020 (+8.01%) Land $186,230 Building $474,790
2024	$3,949.00 (+7.87%)	$235,900 (+3%)	$612,000 (-4.68%) Land $186,230 Building $425,770
2023	$3,661.00	$229,030	$642,030 Land $186,230 Building $455,800

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 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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