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3806 Reading St SE, Olympia, WA, 98501

4beds
2baths
2,500sqft
$799,000
$320price/sqft
$5,066/moest. monthly cost
$202,640/yrincome needed

About This Home

One of a kind beautiful home. This home is located in a very quiet neighborhood. This is the only home with this floor plan in this beautiful development. Great caring community.

Getting Around

6
WalkingCar-Dependent
36
TransitSome Transit
45
BikeSomewhat Bikeable

Schools

7/10
Pioneer Elementary SchoolGrades PK-50.7 mi
8/10
Washington Middle SchoolGrades 6-80.5 mi
9/10
Olympia High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 2012

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Hardwood,Tile

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,500 sqft

Property

Details

  • Parcel number: 83360002900

Lot

  • Lot size: 8,712 sqft

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

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding

FEMA Declared Disasters in Thurston 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 $4,040$48,480
Home Insurance *$182$2,184
Property Taxes $673$8,076
Electricity $171$2,052
Total$5,066$60,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$173,691/yr
40% on housing$151,980/yr
45% on housing$135,093/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$320This listing

vs Other Active Listings

Avg $/sqft

ZIP 98501$248
Thurston County$297

vs Homes Sold Last Month

Median $/sqft

ZIP 98501$268
Thurston County$285

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
2026-05-29Listed for sale$799,000
2013-01-16Sold$329,900

For Sale by Owner

AgentShaleeni Fortner

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