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451 N Main St, Ashland, OR, 97520

8beds
9baths
3,666sqft
$1,249,000
$341price/sqft
$7,721/moest. monthly cost
$308,840/yrincome needed

About This Home

Just blocks from downtown, this historic gem blends charm and flexibility. Original fir floors, built-ins, high ceilings, and abundant natural light pair with modern updates. Enjoy the welcoming lawn, pollinator garden, and large covered front porch. The main level offers spacious living and dining areas, kitchen, half bath, and generous entry spaces. A 1-bedroom apartment with interior and private exterior access—includes a kitchen, laundry and full bathroom—a separate additional en-suite bedroom with exterior entry adds versatility. Upstairs are four lovely en-suite bedrooms, one with a balcony, all with updated Renewal by Andersen windows and balcony door. A detached 704 sq ft, 2 bedroom, 1.5 bath, single level cottage with its own address and electric meter provides added flexibility or income potential. With six paved off-street parking spaces, sheds, on-street parking, and alley access, this property offers exceptional possibilities for multi-generational living or investors.

Getting Around

70
WalkingSomewhat Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

8/10
Helman Elementary SchoolGrades K-50.5 mi
7/10
Ashland Middle SchoolGrades 6-81.8 mi
9/10
Ashland High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1904

Materials

  • Foundation: Concrete Perimeter,Stone
  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Craftsman,Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Double Oven,Dryer,Microwave,Range,Range Hood,Refrigerator,Trash Compactor,Washer,Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 9

Features

  • Smart Lock(s),Built-in Features,Ceiling Fan(s),Fiberglass Stall Shower,In-Law Floorplan,Laminate Counters,Linen Closet,Open Floorplan,Primary Downstairs,Shower/Tub Combo,Solid Surface Counters,Stone Counters,Tile Shower,Walk-In Closet(s)
  • Window features: Bay Window(s),Double Pane Windows,Storm Window(s),Tinted Windows,Vinyl Frames,Wood Frames
  • Flooring: Carpet,Hardwood,Laminate,Tile,Vinyl
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Baseboard,Electric,Forced Air,Heat Pump
  • Cooling features: Central Air,Heat Pump,Wall/Window Unit(s),Zoned

Interior Area

  • Total structure area: 2,962
  • Total interior livable area: 3,666 sqft

Property

Details

  • Parcel number: 10056446
  • Zoning description: R-2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Patio,Porch,Side Porch
  • Exterior features: Courtyard
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),Neighborhood

Lot

  • Lot size: 0.30 Acres
  • Features: Corner Lot,Drip System,Garden,Landscaped,Level,Native Plants,Sprinkler Timer(s),Sprinklers In Front,Sprinklers In Rear

Parking

  • Parking features: Alley Access,Asphalt,Attached Carport,Driveway,No Garage,On Street,RV Access/Parking
  • Has uncovered spaces: Yes
  • Carport: 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

  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Winter Weather
Earthquake
Heat Wave
Inland Flooding
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 $6,315$75,780
Home Insurance *$315$3,780
Property Taxes $759$9,108
Electricity $332$3,992
Total$7,721$92,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$264,720/yr
40% on housing$231,630/yr
45% on housing$205,893/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

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 97520$342
Jackson County$260

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)

No zestimate history available

Price History

DateEventPrice
2025-05-26Price change$1,249,000
2024-04-01Listed for sale$1,195,000
2024-01-08Listing removed$1,280,000
2023-04-04Listed for sale$1,280,000
2023-04-01Listing removed$1,280,000
2022-04-01Listed for sale$1,280,000
2021-12-01Listing removed--
2021-04-27Listed for sale$1,200,000
2021-02-01Listing removed--
2020-10-05Price change$1,195,000
2020-03-10Listed for sale$1,200,000
2014-03-31Sold$800,000
2011-06-28Listing removed$730,000
2010-10-08Price change$730,000
2010-03-01Listed for sale$760,000
2009-03-07Listing removed$800,000
2008-11-09Price change$800,000
2008-06-07Listed for sale$850,000
2008-05-01Listing removed$895,000
2008-04-16Listed for sale$895,000

For Sale by Agent

AgentFull Circle Real Estate
BrokerageFull Circle Real Estate

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