Listed by: Ryan McGlone · eXp Realty, LLC

$624,900
  • 3 beds
  • 2.5 baths
  • 2,052 sqft

20597 SE Gemstone Avenue, Bend, OR 97702

Est. $3,720/moPayment calculator
  • Single Family ResidenceHome type
  • Built in 2020Year built
  • 3,920 sqftLot
  • $305/sqftPrice per sqft
  • $88/moHOA
  • 2-car garageParking

About this home

  • Listed Sep 18, 2026
  • 14 days on market
  • 48 photos

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!

Facts & features

Interior

Bedrooms
3
Bathrooms
2.5
Full bathrooms
2
Half bathrooms
1
Living area
2,052 sqft
Levels
Two

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)

Appliances

  • Dishwasher
  • Disposal
  • Dryer
  • Microwave
  • Oven
  • Range
  • Refrigerator
  • Washer
  • Water Heater

Heating & cooling

  • Forced Air
  • Natural Gas
  • Central Air

Flooring

  • Carpet
  • Vinyl

Property

Lot size
3,920 sqft
Garage spaces
2
Subdivision
Stone Creek

Exterior features

  • Fire Pit
  • Spa/Hot Tub

View

  • Neighborhood
  • Territorial

Parking

  • Attached
  • Concrete
  • Driveway
  • Garage Door Opener

Construction

Home type
Single Family Residence
Property type
Residential
Year built
2020

Materials

  • Frame
  • Composition roof

Utilities

Sewer & water

  • Public Sewer
  • Public water

Community & HOA

Subdivision
Stone Creek
HOA dues
$265 quarterly ($88/mo)
County
Deschutes

Financial & listing details

List price
$624,900
Price per sqft
$305
Annual property tax
$4,104
Date on market
Sep 18, 2026
Days on market
14
MLS#
220228863

Price & status history

DateEventPrice
Sep 18, 2026Listed for sale$624,900

Neighborhood

  • SubdivisionStone Creek
  • CityBend, OR 97702
  • CountyDeschutes

Payment calculator

Estimated monthly payment

$3,720/mo

  • Principal & interest$3,160
  • Property taxes$342
  • Homeowners insurance$130
  • HOA dues$88

Loan amount $499,920 · 30-year fixed at 6.5%

Down payment
Loan term

An estimate for planning, not a loan offer. The 6.5% rate is an example; ask a lender for today’s rate. Taxes use the listing’s annual tax amount. Insurance is estimated; mortgage insurance is not included.

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MLSCO

Listing provided by eXp Realty, LLC · Listing agent: Ryan McGlone

Source
MLS of Central Oregon
MLS#
220228863
Last updated
Sep 25, 2026 at 11:31 PM

Listing information is deemed reliable but not guaranteed and should be independently verified. Listings shown are for demonstration while our MLS of Central Oregon IDX feed is being set up.