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74287 Fern Hill Rd, Rainier, OR, 97048

4beds
3baths
3,071sqft
$749,000
$244price/sqft
$5,009/moest. monthly cost
$200,360/yrincome needed

About This Home

Pacific Northwest dream home on 13.79 secluded acres in Rainier! This custom-built 3,071 sq ft daylight ranch offers the perfect blend of comfort and versatility.Step inside to a thoughtfully remodeled kitchen that greets you upon entry and flows seamlessly into the vaulted open living and dining area. A dramatic wall of windows overlooks your private forest — ideal for gatherings and everyday living. The main level and fully finished basement provide ample space for everyone, making it excellent for co-living or multigenerational households.Outside, enjoy multiple custom decks, mature landscaping, grassy trails, and pasture areas that balance manicured beauty with wild Oregon charm. The oversized shop is quality-built with an overhang, interior rooms, loft storage, power, and a half bath. RV covered parking with water and power hookups sits right outside, plus plenty of gravel maneuvering space for cars, toys, and future outbuildings.This home delivers exceptional layout, convenience, and hobby-farm potential. Must-see & easy to show!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

4/10
6/10
Rainier Jr/Sr High SchoolGrades 7-121.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1989

Materials

  • Foundation: Concrete Perimeter,Stem Wall,None
  • Roof: Composition
  • Construction materials: Metal Siding,Wood Frame,Wood Siding,T111 Siding,Cement Siding,Lap Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom Style,Daylight Ranch
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Appliance Garage,Built In Oven,Dishwasher,Down Draft,Stainless Steel Appliance(s),Washer/Dryer,Free-Standing Refrigerator,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Daylight,Exterior Entry,Separate Living Quarters Apartment Aux Living Unit

Bedroom2

  • Features: Wallto Wall Carpet
  • Level: Main

Bedroom3

  • Features: Wallto Wall Carpet
  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2

Dining Room

  • Features: Vaulted Ceiling
  • Level: Main

Features

  • Ceiling Fan(s),Granite,High Ceilings,Vaulted Ceiling(s),Built-in Features,Sink,Suite,Walkin Shower,Bathroom,Loft,Storage,Cook Island,Kitchen Island,Marble
  • Door features: Sliding Doors
  • Window features: Wood Frames,Skylight(s)
  • Flooring: Laminate,Luxury Vinyl Plank,Vinyl,Wall to Wall Carpet,Concrete
  • Number of fireplaces: 1
  • Fireplace features: Stove,Wood Burning,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Wood Stove
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,071
  • Total interior livable area: 3,071 sqft

Kitchen

  • Level: Main

Living Room

  • Features: Deck, Skylight, Sliding Doors,Wood Stove
  • Level: Main

Master Bedroom

  • Features: Deck,Suite, Walkin Shower, Wallto Wall Carpet
  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Approachwith Ramp,Accessible Doors,Garage On Main,Natural Lighting,Walkin Shower,Accessibility

Details

  • Parcel number: 19699
  • Zoning: RR-5
  • Other equipment: Air Cleaner

Features

  • Stories: 2
  • Patio & porch: Covered Deck,Covered Patio,Deck
  • Exterior features: Garden,RV Hookup,Yard
  • Has view: Yes
  • View description: Territorial,Trees/Woods
  • On waterfront: Yes
  • Waterfront features: Creek,Stream
  • Waterbody name: Beaver Creek

Lot

  • Lot size: 13.79 Acres
  • Features: Gentle Sloping,Level,Pasture,Secluded,Trees,Sprinkler,Acres 10 to 20

Parking

  • Total spaces: 2
  • Parking features: Parking Pad,RV Access/Parking,RV Boat Storage,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Landslide
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Columbia 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 $3,787$45,444
Home Insurance *$214$2,568
Property Taxes $730$8,760
Electricity $278$3,344
Total$5,009$60,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,737/yr
40% on housing$150,270/yr
45% on housing$133,573/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 97048$178
Columbia County$238

vs Homes Sold Last Month

Median $/sqft

ZIP 97048$238
Columbia County$277

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
2026-08-07Pending sale$749,000
2026-07-15Listed for sale$749,000
2022-12-30Listing removed--
2022-08-22Listed for sale$795,000
2018-04-20Sold$1,000

For Sale by Agent

AgentRhonda Holmsten
BrokerageArk Real Estate

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