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61038 Lake Shore Rd, Joseph, OR, 97846

3beds
2baths
2,546sqft
$649,900
$255price/sqft
$4,291/moest. monthly cost
$171,640/yrincome needed

About This Home

Experience the charm of Wallowa Lake living in this furnished chalet-style home set on nearly half an acre with community lake access and lake views. Surrounded by wildlife and natural beauty, the property offers a peaceful retreat with the flexibility to serve as a full-time residence, vacation home, or potential short-term rental.The main level welcomes you with vaulted ceilings, wood floors, a bedroom and full bath, and an inviting living area centered around a wood-burning stove. The kitchen is full of character, featuring a Garland restaurant-grade propane range and striking green tile countertops that complement the home's mountain-lodge feel. Upstairs, a loft provides additional room for guests, hobbies, or remote work.The daylight basement offers two additional bedrooms, a full bath, and a second living room, creating plenty of space for family and visitors. Handmade tile floors throughout the lower level add distinctive craftsmanship and durability, while double doors provide direct access to the outdoors. Comfort is enhanced by a brand-new high-efficiency propane-fired combi boiler that provides both in-floor radiant heat and domestic hot water, offering modern efficiency and year-round comfort.Outside, a spacious deck offers the perfect place to enjoy filtered views of Wallowa Lake, watch for eagles nesting nearby, and take in the abundant wildlife that frequents the area. The large wooded area behind the home enhances the sense of privacy, and a treehouse adds a fun and memorable feature for guests of all ages.Additional highlights include a durable Monier concrete tile roof, thoughtful multi-level design, and a newly installed Navien condensing combi boiler system for efficient space heating and hot water. Located just moments from all that Wallowa Lake has to offer, this property combines character, comfort, and recreation, and is ready to be enjoyed from day one.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

--
Imnaha Elementary SchoolGrades K-825.7 mi
7/10
Joseph Charter SchoolGrades K-123.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1996

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Range,Free-Standing Refrigerator,Stainless Steel Appliance(s),Washer/Dryer,Propane Water Heater

Basement

  • Has basement: Yes
  • Basement: Daylight

Bedroom2

  • Level: Lower

Bedroom3

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Family Room

  • Level: Lower

Features

  • Floor 3rd,Vaulted Ceiling(s),Tile
  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: Radiant,Wood Stove

Interior Area

  • Total structure area: 2,546
  • Total interior livable area: 2,546 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 4075
  • Zoning: R-2

Features

  • Levels: Tri Level
  • Stories: 3
  • Patio & porch: Deck
  • Exterior features: Yard
  • Has view: Yes
  • View description: Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.44 Acres
  • Features: Gentle Sloping,Trees,SqFt 15000 to 19999

Parking

  • Parking features: Off Street

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
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Wildfire
Avalanche
Hail
Landslide
Lightning

FEMA Declared Disasters in Wallowa 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 $3,286$39,432
Home Insurance *$509$6,108
Property Taxes $265$3,180
Electricity $231$2,772
Total$4,291$51,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,120/yr
40% on housing$128,730/yr
45% on housing$114,426/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 97846$235
Wallowa County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 97846
Wallowa County$175

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
2026-08-04Pending sale$649,900
2026-06-03Listed for sale$649,900
2012-07-01Listing removed$469,000
2012-06-01Listed for sale$469,000

For Sale by Agent

AgentKate Crawford
BrokerageRuby Peak Realty, Inc.

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