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23227 Highway 20, Okanogan, WA, 98840

4beds
2baths
2,540sqft
$320,000
$126price/sqft
$2,194/moest. monthly cost
$87,760/yrincome needed

About This Home

Large views of the mountains from your home on 2.93 acres and close to the town of Okanogan. 2006 Manufactured home with additional grand room 720 sq ft to enjoy sharing space inside with the various seasons of the year. Home has nice set back from the highway and an additional small mobile home on the property. Red barn has an upstairs area too. the home has an attached garage and a patio deck and a fenced yard area. Three bedrooms are on the opposite side of the primary bedroom. Kitchen has an eating area, and the home has space for cars to park. Very easy to make use of the full property with water rights to irrigate.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

6/10
6/10
Okanogan Middle SchoolGrades 6-81.3 mi
6/10
Okanogan High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Good
  • Year built: 2006

Materials

  • Roof: Composition
  • Construction materials: Metal/Vinyl

Notable Dates

  • Major remodel year: 2006

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Manuf-Double Wide
  • Property subType: Manufactured On Land

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Refrigerator(s),Washer(s),Water Heater: electric,Water Heater Location: primary bedroom closet

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Ceiling Fan(s)
  • Flooring: Vinyl,Carpet

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Electric
  • Cooling features: Forced Air,Heat Pump

Interior Area

  • Total structure area: 2,540
  • Total interior livable area: 2,540 sqft

Kitchen With Eating Space

  • Level: Main

Property

Details

  • Parcel number: 3326180037
  • Zoning: residential
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Ceiling Fan(s),Water Heater
  • Has view: Yes
  • Topography of land: Level
  • Residential vegetation: Garden Space,Pasture

Lot

  • Lot size: 2.93 Acres
  • Features: Barn

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Wildfire
Avalanche
Earthquake
Hail
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters in Okanogan County and Washington

Fire
Flood
Mud Landslide
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,618$19,416
Home Insurance *$153$1,836
Property Taxes $250$3,000
Electricity $173$2,084
Total$2,194$26,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,222/yr
40% on housing$65,820/yr
45% on housing$58,506/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.7%
14.7%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$126This listing

vs Other Active Listings

Avg $/sqft

ZIP 98840$185
Okanogan County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 98840
Okanogan County$233

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-30Price change$400,000
2025-12-02Listed for sale$425,000
2019-11-15Sold$245,000
2019-09-18Pending sale$245,000
2019-08-07Price change$245,000
2019-05-30Price change$269,000
2019-03-11Price change$289,000
2018-09-06Listed for sale$319,000

For Sale by Agent

AgentKristine Gaffney
BrokerageKelly Right RE of Seattle LLC

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