Active

Price cut: $30K (10/6)

$594,900

20597 SE Gemstone Ave, Bend, OR 97702

3beds

3baths

2,052sqft

$4,400/mo

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Single Family Residence

Built in 2020

3,920 Square Feet Lot

$589,900 Zestimate^®

$290/sqft

$88/mo HOA

What's special

Lightly lived in and meticulously maintained, this beautifully cared-for 3-bedroom, 2.5-bath home offers the ideal blend of comfort, style, and Central Oregon lifestyle in Bend's desirable Stone Creek neighborhood. The open-concept floor plan creates an inviting flow between the kitchen, dining, and living spaces--perfect for everyday living and entertaining. Stone Creek is known for its central location and easy access to the Old Mill District, while offering a true neighborhood feel with walkable amenities including Silver Rail Elementary, the community pool, and Stone Creek Park with trails, natural areas, and recreation. Outside, the backyard is the real showstopper, featuring excellent southerly exposure, attractive xeriscaping, and a layout designed for enjoying Bend's sunny days and cool evenings. Gather around the fire pit, unwind in the hot tub, or simply soak up the sunshine in this private outdoor retreat. Thoughtfully maintained and move-in ready, don't miss this SE gem!

22 days
498
62

Likely to sell faster than

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 3

Heating

Forced Air, Natural Gas

Cooling

Central Air

Appliances

Included: Dishwasher, Disposal, Dryer, Microwave, Oven, Range, Refrigerator, Washer, Water Heater

Features

Ceiling Fan(s), Double Vanity, Enclosed Toilet(s), Fiberglass Stall Shower, Kitchen Island, Linen Closet, Open Floorplan, Pantry, Shower/Tub Combo, Soaking Tub, Solid Surface Counters, Stone Counters, Walk-In Closet(s)
Flooring: Carpet, Vinyl
Windows: Double Pane Windows, Vinyl Frames
Basement: None
Has fireplace: Yes
Fireplace features: Gas, Great Room
Common walls with other units/homes: No Common Walls

Interior area

Total structure area: 2,052
Total interior livable area: 2,052 sqft

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Property

Parking

Total spaces: 2
Parking features: Attached, Concrete, Driveway, Garage Door Opener
Attached garage spaces: 2
Has uncovered spaces: Yes

Features

Levels: Two
Stories: 2
Patio & porch: Front Porch, Rear Porch
Exterior features: Fire Pit
Pool features: None
Spa features: Indoor Spa/Hot Tub, Spa/Hot Tub
Fencing: Fenced
Has view: Yes
View description: Neighborhood, Territorial

Lot

Size: 3,920 Square Feet
Features: Drip System, Landscaped, Sprinkler Timer(s), Sprinklers In Front, Sprinklers In Rear

Details

Parcel number: 280394
Zoning description: RS
Special conditions: Standard

Construction

Type & style

Home type: SingleFamily
Architectural style: Craftsman,Northwest
Property subtype: Single Family Residence

Materials

Frame
Foundation: Stemwall
Roof: Composition

Condition

New construction: No
Year built: 2020

Details

Builder name: Franklin Brothers

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Natural Gas Available

Green energy

Water conservation: Water-Smart Landscaping

Community & HOA

Community

Features: Pool, Park, Playground, Short Term Rentals Not Allowed, Trail(s)
Security: Carbon Monoxide Detector(s), Smoke Detector(s)
Subdivision: Stone Creek

HOA

Has HOA: Yes
Amenities included: Landscaping, Park, Playground, Pool, Trail(s)
HOA fee: $265 quarterly

Location

Region: Bend

Financial & listing details

Price per square foot: $290/sqft
Tax assessed value: $645,550
Annual tax amount: $4,104
Date on market: 9/18/2026
Cumulative days on market: 22 days
Listing terms: Cash,Conventional,FHA,VA Loan
Inclusions: Washer, Dryer, Refrigerator, Hot Tub, Garage Storage Rack, Fire Wood & Racks.
Exclusions: Staging Items, Owners' Personal Property.
Road surface type: Paved

Estimated market value

$589,900

$560,000 - $619,000

$2,858/mo

Price history

Date	Event	Price
10/6/2026	Price change	$594,900-4.8%$290/sqft
Source: Oregon Datashare #220228863 Report a problem
9/18/2026	Listed for sale	$624,900+37.9%$305/sqft
Source: Oregon Datashare #220228863 Report a problem
11/6/2020	Sold	$453,225$221/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$4,104 +3.9%	$242,900 +3%
2024	$3,949 +7.9%	$235,830 +6.1%
2023	$3,660 +4%	$222,310
2022	$3,521 +2.9%	$222,310 +1769.1%
2021	$3,421	$11,894
2020	--	$11,894

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

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Climate risks

Neighborhood: Old Farm District

Getting around

33 / 100

Car-Dependent

22 / 100

Minimal Transit

39 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

7/10
Silver Rail Elementary School
Grades: K-5Distance: 0.3 mi
6/10
High Desert Middle School
Grades: 6-8Distance: 2 mi
5/10
Bend Senior High School
Grades: 9-12Distance: 1.6 mi

Schools provided by the listing agent

Elementary: Silver Rail Elem
Middle: Pilot Butte Middle
High: Bend Sr High

Source: Oregon Datashare. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.