40 First Thought Loop, Kettle Falls, WA, 99141
About This Home
Experience a Riverfront Paradise. Rare is the opportunity to own 200 feet of pristine Kettle River frontage, set within 5.7 acres of absolute serenity. This isn't just a home; it's a front-row seat to nature's masterpiece. Floor-to-ceiling views of the rushing water anchor the open-concept living and dining areas, while the main deck--complete with a hot tub--extends the living space outdoors. The primary bedroom features its own private deck for a more secluded retreat. Whether you're tending to the climate-controlled potting shed getting your garden ready in its raised beds for the summer, enjoying the two-acre fenced pasture for your critters, or hosting guests in the detached shop and bonus studio or your home, the lifestyle possibilities are endless.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2010
Materials
- Roof: Composition
- Construction materials: Masonite
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Range,Dishwasher,Refrigerator
Basement
- Level: Basement
Basement
- Basement: Crawl Space,None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
Features
- Flooring: Wood
First Floor
- Level: First
Heating
- Heating features: Ductless
Interior Area
- Total structure area: 1,654
- Total interior livable area: 1,654 sqft
Property
Details
- Parcel number: 64014500008000
- Horse amenities: Barn
Features
- Levels: One
- Fencing: Fenced
- Has view: Yes
- View description: Mountain(s),Territorial,Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: River Front
Lot
- Lot size: 5.70 Acres
- Features: Views,Level,Irregular Lot,Garden
Parking
- Total spaces: 4
- Parking features: Attached,Detached,RV Access/Parking,Workshop in Garage
- Attached garage spaces: 4
- Covered spaces: 4
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
- Wildfire
- Cold Wave
- Landslide
- Heat Wave
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Ferry County and Washington
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,665 | $43,980 |
| Home Insurance * | $249 | $2,988 |
| Property Taxes | $344 | $4,128 |
| Electricity | $149 | $1,793 |
| Total | $4,407 | $52,884 |
Income You'd Need if You Spent...
Washington FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-31 | Listed for sale | $725,000 |
| 2025-12-01 | Listing removed | $725,000 |
| 2025-03-25 | Listed for sale | $725,000 |
| 2021-08-31 | Listing removed | -- |
| 2021-08-02 | Listed for sale | $649,000 |
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