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522 Golden Street, Oroville, WA, 98844

5beds
3baths
2,979sqft
$320,000
$107price/sqft
$2,235/moest. monthly cost
$89,400/yrincome needed

About This Home

OROVILLE - Spacious 5 + bedroom/2.75 bathroom house on large corner lot! This 2979 sqft home offers Living room w/ vaulted ceilings and wood fire place. Double pane windows. Kitchen features plenty of cabinet space, double ovens, dishwasher & refrigerator. Island that has stove top & breakfast bar. All appliances stay. Built-ins throughout. Utility room w/ washer & dryer, sink, trash compactor & lots of storage. Primary bedroom w/ ensuite located on the main floor. Upstairs has 4 bedrooms & a full bathroom. Downstairs w/ bonus room, .75 bathroom & huge family room. Sliding glass door that leads you out to large covered patio & attached garage. Fenced yard. City utilities. Close to all amenities. $320,000

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Year built: 1954

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Wood Products

Notable Dates

  • Major remodel year: 1954

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi Level
  • Property subType: Single Family Residence

Interior

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s)
  • Window features: Dbl Pane/Storm Window
  • Flooring: Carpet
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 2,979
  • Total interior livable area: 2,979 sqft

Property

Details

  • Parcel number: 2040870600
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Vaulted Ceiling(s)
  • Has view: Yes
  • Topography of land: Level

Lot

  • Lot size: 5,924 sqft
  • Features: Fenced-Fully

Parking

  • Parking features: None

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
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

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 *$159$1,908
Property Taxes $255$3,060
Electricity $203$2,445
Total$2,235$26,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,628/yr
40% on housing$67,050/yr
45% on housing$59,600/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

$107This listing

vs Other Active Listings

Avg $/sqft

ZIP 98844$170
Okanogan County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 98844
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
2026-05-05Listed for sale$320,000
2021-02-08Sold$220,000
2020-12-23Pending sale$228,000
2020-11-26Price change$228,000
2020-10-11Listed for sale$235,000

For Sale by Agent

AgentBritney Arthur
BrokerageRE/MAX Welcome Home

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