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2231 Humbug Creek Rd, Applegate, OR, 97530

2beds
1baths
1,325sqft
$430,000
$325price/sqft
$2,819/moest. monthly cost
$112,760/yrincome needed

About This Home

Charming Mini-Farm on Humbug Creek in the Applegate Valley. Cross a creek through the forest up to your own private little hobby farm homestead on 11.2 acres backed by 4,900 acres BLM. Unique, cozy custom built cedar sided home with dramatic architectural angles, custom details & rustic charm. Central wood stove, vaulted ceilings, stone & bamboo flooring throughout. Detached laundry room with additional storage & covered firewood area. Turn-key fenced & terraced garden area sports 3 automated greenhouses (one solar), mature fruit trees, blueberries, animal corrals & a chicken coop. Spacious workshop w/ vaulted ceiling is set up for wood stove, a previously certified kitchen & view into the attached hothouse. Hike up the hill to gorgeous views. A dreamy must see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
6/10
Hidden Valley High SchoolGrades 9-1210.6 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven,Range,Range Hood,Refrigerator,Washer,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Features

  • Breakfast Bar,Built-in Features,Ceiling Fan(s),Fiberglass Stall Shower,Granite Counters,Linen Closet,Open Floorplan,Pantry,Vaulted Ceiling(s)
  • Window features: Aluminum Frames,Double Pane Windows,Garden Window(s),Vinyl Frames,Wood Frames
  • Flooring: Bamboo,Stone,Tile
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Wood
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,325
  • Total interior livable area: 1,325 sqft

Property

Details

  • Parcel number: 10636511
  • Zoning description: RR-00
  • Special condition: Standard
  • Exclusions: security cameras,star link

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered Deck,Front Porch,Porch
  • Has view: Yes
  • View description: Mountain(s),Territorial
  • Waterfront features: Creek

Lot

  • Lot size: 11.20 Acres
  • Features: Adjoins Public Lands,Drip System,Garden,Level,Native Plants,Pasture,Rock Outcropping,Sloped,Sprinkler Timer(s),Wooded

Parking

  • Parking features: Driveway,Gated,Gravel
  • Has uncovered spaces: Yes

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
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Winter Weather
Earthquake
Heat Wave

FEMA Declared Disasters in Jackson County and Oregon

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 $2,174$26,088
Home Insurance *$97$1,164
Property Taxes $372$4,464
Electricity $176$2,119
Total$2,819$33,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,651/yr
40% on housing$84,570/yr
45% on housing$75,173/yr

Oregon FAIR Plan Programs

Oregon FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,377Commercial: 170
Total Premiums$3.07M
Total Exposure$840.98M

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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 97530$282
Jackson County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 97530$310
Jackson County$265

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
2026-05-02Listed for sale$460,000
2026-03-28Pending sale$460,000
2026-02-09Price change$460,000
2025-11-15Price change$499,000
2025-09-15Price change$535,000
2025-06-18Listed for sale$560,000
2013-12-06Sold$260,000

For Sale by Agent

AgentJayda Wood
BrokerageRamsay Realty

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