This 4-bed, 3-bath home at 20621 SE Gemstone Avenue in Bend is listed at $575,000. It has 2,230 square feet, sits on 0.08 acres, was built in 2021, and is in Stone Creek. Status is Active, with 49 days on market and HOA dues of $80 per month.
Overview
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Exterior & lot
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Financing special:Eligible buyers enjoy payments at 1% off mortgage rate for the first year. Contact agent for details.
Built in 2021 in Stone Creek. Four bedrooms, three baths, 2,230 square feet, with a main-level home office. Open floor plan, high ceilings, large kitchen island, solid surface counters, stainless appliances. Upstairs, the Primary suite has a soaking tub, walk-in tiled shower, dual vanities, and two closets plus three more bedrooms and laundry. Fenced, low-maintenance backyard. HOA handles front yard landscaping. Community pool and trails nearby. Solar System Lease in place under a power purchase agreement; buyer to assume at closing.
A rough estimate, not a quote. Loan amount $460,000 · $115,000 down · 30 year term.
Insurance starts at 0.35% of price each year. Type your quote to replace it.
0.08 acres on the county assessor's map, tax lot 181209BD00274 · County record. Deschutes County Assessor's Office.
Lot lines come from the county assessor’s tax maps. They show the recorded shape of a parcel, not a survey, and they are not a legal boundary. Order a survey before you rely on a line.
7 places on this map.
Every active and pending listing of every property type on the regional MLS through Oregon Data Share inside the recorded boundary of Old Farm District. The wash is sales density of closes in the last 90 days; homes for sale and pending stay as marks. Pulses and the sold count are the closes of the last 30 days. Counts and medians cover every listing read for this map. The map outlines 8 of the 154 places with a recorded boundary here; listings outside an outline are counted and drawn as dots with no outline to tap.
Bend
live MLS through Oregon Data Share, active single-family houses in Bend, the same count and median list the Bend market figures on this site publish (market_metric, place membership). This price is the published list price. Months of supply = active listings divided by average monthly closings over the last 6 months (homes closed in the last 6 months divided by 6). A lower months-of-supply figure means fewer homes for sale relative to the recent sales pace. · updated Oct 14, 2026
| Date | Event | Price |
|---|---|---|
| Sep 8, 2026 | Price change | $575,000$10K down |
| Aug 26, 2026 | Listed | $585,000 |
| Year | Tax |
|---|---|
| 2025 | $3,689 |
Tax as filed on the listing. Deschutes County. Parcel 281876. County assessor
This home sits in Stone Creek, Phase 5. 4 recorded documents govern it.
Documents marked with a book, page or instrument number are copies of instruments recorded in Deschutes County, Oregon. Nothing in those records marks a declaration as current or superseded. Later amendments may exist that are not shown here. Confirm the governing chain through title before relying on it. See Stone Creek, Phase 5.
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Bend · What to do about this house
The typical cut was 5.6% off the original ask, and the typical home went under contract in 28 days.
Bend single family homes · every sale that closed in the 12 months to October 13, 2026
public.market_metric · stat_id=pct_with_price_cut · geo_type=city · geo_slug=bend (Bend) · segment=detached · window_months=12 · definition_id=mt-v1 · n=2204 · complete_through=2026-10-13 · read 2026-10-15 | public.market_metric · stat_id=median_price_cut_pct · geo_type=city · geo_slug=bend (Bend) · segment=detached · window_months=12 · definition_id=mt-v1 · n=998 · complete_through=2026-10-13 · read 2026-10-15 | public.market_metric · stat_id=median_days_to_contract · geo_type=city · geo_slug=bend (Bend) · segment=detached · window_months=12 · definition_id=mt-v1 · n=2112 · complete_through=2026-10-13 · read 2026-10-15 | public.listings, this listing · OriginalListPrice 585000 to ListPrice 575000 · OnMarketDate 2026-08-26, calendar days to today in America/Los_Angeles · not DaysOnMarket, which is list-to-close
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Listing courtesy of Real Broker
Data last updated October 15, 2026
Based on information from Oregon Data Share. All information provided is deemed reliable but is not guaranteed and should be independently verified. Listing information is for consumers personal, non-commercial use only.
