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4696 Cow Creek Rd, Riddle, OR, 97469

2beds
2baths
1,344sqft
$649,000
$483price/sqft
$4,087/moest. monthly cost
$163,480/yrincome needed

About This Home

Just 11 miles from I-5 you can enjoy off grid living boasting solar power with propane generator back-up, water rights from the river, fenced and gated with garden area and fruit trees all on 23 acres. As you arrive home you will step into your own tranquil oasis. This property has much to offer. Two bedrooms and two bathrooms, stainless appliances, granite countertops throughout, vaulted ceiling in living room and kitchen. Primary suite has walk in closet and walk-in shower in bathroom. The second bath gives you a tub shower combination. Certified wood stove will keep you warm on those chilly nights. Propane powered lights in the home help to reduce the electrical consumption. Step outside and you have a workshop that gives you a covered area to park your car (26x30), a large enclosed shop (20x30), and the storage room (12x30) that houses the generator and solar components. On the other side of the house you have a 24X32 auxiliary building that boasts overhead doors that let in the sounds of the river below. Rock fireplace, wood fired pizza oven, sink and counters, all set up for you to host family and friends to watch your favorite game on tv. Have a hobby? This space will give you plenty of room to enjoy it too. Great river bottom soil to grow your garden. A variety of grapes, berries, olives and fruit trees are planted, ready for your table. County has issued the permit to add 10 spaces for dry camping lots if you want to add a little income. You will have your own swimming hole and can fish off your own riverbank. Make your appointment today to come listen to the river and enjoy the comfort of owning this one of a kind riverfront home.

Getting Around

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

Schools

4/10
Riddle Elementary SchoolGrades K-66.8 mi
1/10
Riddle High SchoolGrades 7-126.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2019

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Cement Siding,Insulation and Ceiling Insulation

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom Style
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Free-Standing Refrigerator,Microwave,Stainless Steel Appliance(s),Washer/Dryer,Free-Standing Range,Tankless Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedroom2

  • Features: Bathroom, Sliding Doors,Bathtub With Shower
  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2

Features

  • Ceiling Fan(s),Granite,High Ceilings,High Speed Internet,Vaulted Ceiling(s),Bathroom,Bathtub With Shower,Eat-in Kitchen,Walk-In Closet(s),Walkin Shower,Pot Filler
  • Door features: Sliding Doors
  • Window features: Vinyl Frames,Double Pane Windows
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Stove,Wood Burning,Wood Burning Stove
  • Fireplace: Yes

Heating

  • Heating features: Mini Split,Wood Stove

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Kitchen

  • Features: Eating Area, Microwave,Free Standing Range, Free Standing Refrigerator, Granite, Laminate Flooring, Vaulted Ceiling
  • Level: Main

Living Room

  • Features: Ceiling Fan, Deck, Sliding Doors,High Speed Internet, Laminate Flooring, Vaulted Ceiling, Wood Stove
  • Level: Main

Master Bedroom

  • Features: Ceiling Fan, Sliding Doors,Walkin Closet, Walkin Shower
  • Level: Main

Property

Accessibility

  • Accessibility features: One Level,Walkin Shower,Accessibility

Details

  • Parcel number: R42746
  • Zoning: FF

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered Deck,Porch,Deck
  • Exterior features: Garden,Yard
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),River,Trees/Woods
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Cow Creek

Lot

  • Lot size: 23 Acres
  • Features: Flood Zone,Gated,Trees,Wooded,Acres 20 to 50

Parking

  • Total spaces: 1
  • Parking features: Off Street,RV Access/Parking,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Heat Wave
Winter Weather
Landslide

FEMA Declared Disasters in Douglas 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 $3,281$39,372
Home Insurance *$239$2,868
Property Taxes $391$4,692
Electricity $176$2,119
Total$4,087$49,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,125/yr
40% on housing$122,610/yr
45% on housing$108,986/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$483This listing

vs Other Active Listings

Avg $/sqft

ZIP 97469$204
Douglas County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 97469$187
Douglas County$232

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
2026-05-01Price change$855,000
2026-03-20Price change$860,000
2026-02-11Price change$865,000
2025-11-20Price change$875,000
2025-10-13Listed for sale$935,000
2017-08-18Sold$31,000

For Sale by Agent

AgentDeborah Young
BrokerageHarcourts Integrity Team Real Estate Services, LLC.

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