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86513 Timothy Ln, Christmas Valley, OR, 97641

2beds
2baths
1,656sqft
$399,000
$241price/sqft
$2,954/moest. monthly cost
$118,160/yrincome needed

About This Home

This stunning 4.45-acre property features breathtaking views from a corner lot. You enter through a spacious mudroom into a charming 2-bedroom, 2-bathroom home that spans 1,656 square feet. The interior boasts beautiful knotty pine walls and ceilings on the lower level, while the upper level showcases yellow cedar. The open kitchen is designed with custom cabinets that have unique bone handles. Enjoy wildlife and scenic views from the covered back deck, which measures 10x30 feet. Additionally, the property includes a new 10x12 storage unit and a 14x38 RV carport. A brand new septic was just installed this summer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

5/10
North Lake SchoolGrades K-1210.2 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Range Hood,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Ceiling Fan(s),Open Floorplan,Pantry
  • Window features: Vinyl Frames
  • Flooring: Carpet,Laminate,Tile
  • Fireplace features: Propane
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Electric,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,656
  • Total interior livable area: 1,656 sqft

Property

Details

  • Parcel number: 27S17E28AC01900
  • Zoning description: R-1
  • Special condition: Standard
  • Exclusions: Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered Deck,Deck
  • Exterior features: Fire Pit
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 4.45 Acres
  • Features: Corner Lot,Level,Native Plants

Parking

  • Parking features: Driveway
  • 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
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Lightning
Wildfire
Earthquake

FEMA Declared Disasters in Lake County and Oregon

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 $2,017$24,204
Home Insurance *$344$4,128
Property Taxes $417$5,004
Electricity $176$2,119
Total$2,954$35,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,280/yr
40% on housing$88,620/yr
45% on housing$78,773/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 7.8%
7.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 97641$106
Lake County$227

vs Homes Sold Last Month

Median $/sqft

ZIP 97641
Lake County$114

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
2026-03-11Listed for sale$399,000
2025-09-01Listing removed$390,000
2025-05-02Listed for sale$390,000
2020-08-26Listing removed$250,000
2020-04-14Listed for sale$250,000

For Sale by Agent

AgentLoretta M Haniford-Crowley
BrokerageDennis Haniford's Cascade Realty

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