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138 Clear Creek Dr, Ashland, OR, 97520

2beds
4baths
3,070sqft
$1,466,000
$478price/sqft
$8,950/moest. monthly cost
$358,000/yrincome needed

About This Home

You'll be in a prime spot right in Ashland's Railroad District/Spur Rail Subdivision, a super desirable area! Just hop on the elevator to the top! This place has a fantastic modern design, with 770 square feet of first-floor commercial space and a luxurious 2-story home on the 2nd and 3rd floors. You'll find premium finishes everywhere, a huge rear patio, vaulted ceilings, big windows, an open floor plan, and materials that are easy to take care of, so they last. Plus, the property is set up to get the most out of solar panels. You'll have amazing views of Grizzly Peak to the north and Mt. Ashland to the south--it's truly a dream location. The property is zoned E1 commercial (Ashland Employment District with Residential Overlay). There's a single-car garage, EV charging, and the square footage has grown. The windows have also been upgraded to Milgard Fiberglas;, each parcel comes with a 1/6th interest in the parking lot next door.

Getting Around

90
WalkingWalker's Paradise
0
TransitVery Limited Transit
79
BikeVery Bikeable

Schools

10/10
Walker Elementary SchoolGrades K-51.4 mi
7/10
Ashland Middle SchoolGrades 6-81.2 mi
9/10
Ashland High SchoolGrades 9-120.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

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

Other

  • Builder name: Magnolia Fine Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Microwave,Oven,Range,Range Hood,Refrigerator,Tankless Water Heater,Water Heater,Water Purifier,Wine Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 4

Features

  • Breakfast Bar,Ceiling Fan(s),Double Vanity,Elevator,In-Law Floorplan,Kitchen Island,Open Floorplan,Pantry,Shower/Tub Combo,Solid Surface Counters,Tile Shower,Vaulted Ceiling(s),Walk-In Closet(s),WaterSense Fixture(s),Wired for Data
  • Window features: Low Emissivity Windows,Double Pane Windows,Skylight(s)
  • Flooring: Carpet,Hardwood,Stone,Tile,Vinyl
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Ductless,Electric,Heat Pump
  • Cooling features: Ductless,Heat Pump

Interior Area

  • Total structure area: 3,070
  • Total interior livable area: 3,070 sqft

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Accessible Closets,Accessible Doors,Accessible Entrance,Accessible Full Bath,Accessible Hallway(s),Accessible Kitchen

Details

  • Parcel number: 10987496
  • Zoning description: E-1
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Covered,Patio,Porch,Rear Porch,Other
  • Has view: Yes
  • View description: Mountain(s),Neighborhood,Ridge,Territorial,Valley

Lot

  • Lot size: 1,742 sqft
  • Features: Drip System,Level,Sprinkler Timer(s),Sprinklers In Front

Parking

  • Total spaces: 1
  • Parking features: Alley Access,Assigned,Attached,Concrete,Driveway,Garage Door Opener,On Street,Shared Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Earthquake
Heat Wave
Wildfire

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 $7,412$88,944
Home Insurance *$369$4,428
Property Taxes $891$10,692
Electricity $278$3,343
Total$8,950$107,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$306,857/yr
40% on housing$268,500/yr
45% on housing$238,666/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

$478This listing

vs Other Active Listings

Avg $/sqft

ZIP 97520$340
Jackson County$259

vs Homes Sold Last Month

Median $/sqft

ZIP 97520$292
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)

Price History

DateEventPrice
2026-04-09Listed for sale$1,466,000
2025-07-31Listing removed$1,300,000
2024-11-12Listed for sale$1,300,000
2024-01-18Listing removed$1,064,700
2023-07-03Price change$1,064,700
2022-03-14Price change$1,039,700
2021-07-27Listed for sale$999,000
2021-01-22Listing removed$845,000
2020-07-31Listed for sale$845,000
2020-03-30Listing removed$793,000
2019-03-22Price change$793,000
2018-06-27Listed for sale$787,000

New Construction

AgentEric F Bonetti
BrokerageMillen Property Group

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