Central Oregon Homes, Land & Acreage for Sale

20597 SE Gemstone Avenue, Bend, OR 97702

New Listing

$624,900

Virtual Tour

https://www.zillow.com/view-imx/6c4586dc-9411-4843-a666-4b1687668f6c?wl=true&setAttribution=mls&initialViewType=pano

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,052 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $624,900 List Date: 9/18/2026 Last Modified: 9/21/2026

Overview

Description

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!

Listing Details MLS# 220228863

General Property Information

Property Sub Type: Single Family Residence
Bedrooms Total: 3
Bathrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Garage YN: Yes
Garage Spaces: 2
Total Living Area SqFt: 2052
Main House SqFt: 2052
SqFt Source: Assessor
Year Built: 2020
Accessory Dwelling Unit YN: No
Rented YN: No
Short Term Rental Permit YN: No
New Construction YN: No
Builder Name: Franklin Brothers
Elementary School: Silver Rail Elem
Middle Or Junior School: Pilot Butte Middle
High School: Bend Sr High
Zoning: RS
Tax Annual Amount: 4104.12
Tax Year: 2025
Potential Tax Liability YN: No
Assessment YN: No
Irrigation Water Rights YN: No
CC&R's YN: Yes
Association YN: Yes
Association Fee: 265
Association Fee Frequency: Quarterly
Senior Community YN: No
Horse Property YN: No
Preferred Escrow Company & Officer: Sabrina Norton/FATCO
FIRPTA YN: No
Sign On Property YN: Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven; Range; Refrigerator; Washer; Water Heater Architectural Style: Craftsman; Northwest Basement: None Common Walls: No Common Walls Construction Materials: Frame Cooling: Central Air Fireplace Features: Gas; Great Room Flooring: Carpet; Vinyl Foundation Details: Stemwall Green Building Verification Type: Home Energy Score Heating: Forced Air; Natural Gas Interior 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; Spa/Hot Tub; Stone Counters; Walk-In Closet(s) Levels: Two Roof: Composition Rooms: Eating Area; Great Room; Kitchen; Laundry; Primary Bedroom Security Features: Carbon Monoxide Detector(s); Smoke Detector(s) Window Features: Double Pane Windows; Vinyl Frames Exterior Features: Fire Pit; Spa/Hot Tub Irrigation Source: None Lot Features: Drip System; Fenced; Landscaped; Sprinkler Timer(s); Sprinklers In Front; Sprinklers In Rear; Xeriscape Landscape Parking Features: Attached; Concrete; Driveway; Garage Door Opener Patio and Porch Features: Front Porch; Rear Porch Pool Features: None Road Surface Type: Paved Structure Type: House View: Neighborhood; Territorial Utilities: Cable Available; Electricity Connected; Natural Gas Connected Association Amenities: Landscaping; Park; Playground; Pool; Trail(s) Community Features: Gas Available; Park; Playground; Pool; Short Term Rentals Not Allowed; Trail(s) Power Production: None Sewer: Public Sewer Water Source: Public Listing Terms: Cash; Conventional; FHA; VA Loan Special Listing Conditions: Standard

Location Tax and Legal

Street Number: 20597
Street Dir Prefix: SE
Street Name: Gemstone
Street Suffix: Avenue
County: Deschutes
State: OR
Postal Code: 97702
Subdivision Name: Stone Creek

Contract Information

Original List Price: 624900
List Price per SqFt: 304.53
Listing Contract Date: 2026-09-18

Remarks and Miscellaneous

Public Remarks: 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!
Directions: GPS Friendly.

Status Change Information

Status Change Timestamp: 2026-09-18

More Information

Green Building Verification Type

Green Verification Metric: 6
Green Verification URL: https://us.greenbuildingregistry.com/green-homes/OR10251498
Green Verification Year: 2026

Listing Office: eXp Realty, LLC

Last Updated: September - 21 - 2026

Information deemed reliable but not guaranteed.