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16 Mossy Rock Rd, Oroville, WA, 98844

4beds
1baths
1,900sqft
$439,900
$232price/sqft
$2,910/moest. monthly cost
$116,400/yrincome needed

About This Home

4 Bedroom 1 1/4 Bathroom 1900sq. ft. home on 7.8 irrigated acres with views (valley, mountain, river & lake). This property has all the out of town positives, but only 4 minutes to Oroville. Fenced and cross fenced for easy pasture management, ready for almost any animal. There is established garden space, with lots of potential to add more if desired. The front yard is fenced for dogs with doggy door access to the attached one car garage. A 36' x 36' barn with 8' lean-to on each side can house your livestock or horses with an insulated tack room and plenty of space. A Large 40' x 52' shop with RV storage sits across the paved driveway from the house. The main floor of the house has 2 bedrooms, living room, kitchen, & bathroom. A covered deck off the living room has fantastic views and is the perfect place to drink your coffee. The lower level of the house, a daylight basement has a large recreation room, laundry room, tons of storage space, 2 bedrooms and a 1/4 bathroom. This is the perfect place for anyone wanting to enjoy out of town life while still being close to town.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • 1/4 bathrooms: 1

Features

  • Flooring: Carpet,Other

Heating & Cooling

  • Heating features: Stove,Other,Oil
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,900
  • Total interior livable area: 1,900 sqft

Property

Details

  • Parcel number: 4027340070

Lot

  • Lot size: 7.80 Acres

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

  • Wildfire
    WildfireVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Avalanche
    AvalancheModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Wildfire
Cold Wave
Inland Flooding
Avalanche
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 $2,224$26,688
Home Insurance *$219$2,628
Property Taxes $318$3,816
Electricity $149$1,793
Total$2,910$34,920
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,771/yr
40% on housing$87,300/yr
45% on housing$77,600/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

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 98844$166
Okanogan County$206

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)

No zestimate history available

Price History

DateEventPrice
2026-03-20Listed for sale$460,000

For Sale by Owner

AgentLisa Bordwell

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