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235 Flatt Road, Kelso, WA, 98626

4beds
3baths
2,344sqft
$530,000
$226price/sqft
$3,449/moest. monthly cost
$137,960/yrincome needed

About This Home

Built in 2020, this stunning 4-bedroom, 2.5-bath home offers 2,344 sq ft of modern living on 5 flat acres. The open-concept great room is made for gathering, while the chef's kitchen impresses with granite countertops and stainless appliances. Retreat to the spacious primary suite featuring a luxurious ensuite with dual sinks and hard surface counters. The seller is currently putting the finishing touches on interior paint, making this the perfect opportunity to move in fresh and clean. Step outside to your covered patio and start envisioning the pool, the garden, the oasis — it's all yours to create. And when adventure calls, Cowlitz River access is just down Flatt Rd — one of the Pacific Northwest's premier fishing rivers, known for salmon and steelhead runs that anglers dream about.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Lexington ElementaryGrades K-51.6 mi
4/10
Huntington Middle SchoolGrades 6-83.9 mi
4/10
Kelso High SchoolGrades 9-124.7 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Microwave,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Microwave(s),Refrigerator(s),Water Heater Location: Garage

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Den Office

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Dining Room,Pantry
  • Flooring: Vinyl Plank

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Electric
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,344
  • Total interior livable area: 2,344 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 634980305
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dining Room,Pantry,Vaulted Ceiling(s),Walk-In Closet(s)
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level

Lot

  • Lot size: 5 Acres
  • Features: Corner Lot,Dead End Street,Paved,Patio,RV Parking

Parking

  • Total spaces: 4
  • Parking features: Driveway,Attached Garage,Off Street,RV Parking
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered spaces: 2

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

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Volcanic Activity
    Volcanic ActivityRelatively High
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Volcanic Activity
Earthquake
Landslide
Winter Weather

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 $2,679$32,148
Home Insurance *$176$2,112
Property Taxes $434$5,208
Electricity $160$1,923
Total$3,449$41,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,251/yr
40% on housing$103,470/yr
45% on housing$91,973/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 98626$173
Cowlitz County$195

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)

Price History

DateEventPrice
2026-07-28Price change$530,000
2026-06-16Listed for sale$535,000
2019-07-26Sold$50,000
2019-06-11Pending sale$57,900
2019-04-05Listed for sale$57,900
2018-12-26Listing removed$49,500
2018-04-10Listed for sale$49,500

For Sale by Agent

AgentShirley L. Osborne
BrokerageRE/MAX Premier Group

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