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103 Allen St, Kelso, WA, 98626

--beds
1baths
4,283sqft
$369,000
$86price/sqft
$2,528/moest. monthly cost
$101,120/yrincome needed

About This Home

This is a rare opportunity to own a piece of downtown Kelso. This unique property offers the perfect blend of character, flexibility, and location for someone looking to live and work in one unique space. Originally built in 1924 as a warehouse, the building still carries its vintage charm but has been thoughtfully updated with modern essentials—making it ideal for today’s lifestyle-driven entrepreneur or creative professional. Zoned General Commercial (GC), it supports a wide range of uses including retail, studio, office, light storage, services, or mixed-use residential, giving you the freedom to shape the space to fit both your personal and professional needs. Step inside to a newly insulated and heated office space that’s equally suited as a cozy studio or workspace, complete with an updated half bath. Whether you’re designing, consulting, crafting, or creating, the setup supports productivity without sacrificing comfort. Outside, a gated and fully fenced lot offers privacy and security, while the 2,600 square feet of resealed asphalt parking (completed in fall 2024) can accommodate up to six vehicles—perfect for clients, guests, or personal use.Additional upgrades include a 200-amp electrical service (2010) and a brand-new 1-inch city water line and meter (2025), giving peace of mind for future growth. Whether you’re envisioning a stylish home office, a boutique storefront with upstairs living, or simply a place where your business and personal life can coexist seamlessly, this centrally located property is ready to bring that vision to life. With quick access to local shops, services, and I-5 connectivity, the possibilities are wide open.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
70
BikeVery Bikeable

Schools

5/10
Barnes Elementary SchoolGrades K-51.0 mi
5/10
Huntington Middle SchoolGrades 6-80.7 mi
4/10
Kelso High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Restored
  • Year built: 1924

Materials

  • Foundation: Slab
  • Roof: Built-Up,Flat
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bathrooms: 1
  • Partial bathrooms: 1
  • Main level bathrooms: 1

Features

  • Flooring: Concrete

Heating

  • Heating features: Zoned

Interior Area

  • Total structure area: 4,283
  • Total interior livable area: 4,283 sqft

Property

Details

  • Parcel number: 20034
  • Zoning: GC

Features

  • Stories: 2
  • Fencing: Fenced
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 5,000 sqft
  • Features: Gated,Level,SqFt 5000 to 6999
  • Lot size dimensions: 50 x 100

Parking

  • Total spaces: 6
  • Parking features: Parking Pad,Secured
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6
  • 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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Volcanic Activity

FEMA Declared Disasters in Cowlitz 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 $1,865$22,380
Home Insurance *$122$1,464
Property Taxes $249$2,988
Electricity $292$3,515
Total$2,528$30,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,674/yr
40% on housing$75,840/yr
45% on housing$67,413/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.3%
5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 98626$177
Cowlitz County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 98626$271
Cowlitz County$281

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
2026-02-03Price change$369,000
2025-07-23Listed for sale$379,000

For Sale by Agent

AgentDesiree Lorentz
BrokerageJohn L. Scott Real Estate

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