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24106 E Railroad Ave, Otis Orchards, WA, 99027

2beds
2baths
1,390sqft
$725,000
$522price/sqft
$4,607/moest. monthly cost
$184,280/yrincome needed

About This Home

A Master Carpenter & his wife decided to build their perfect retirement home in Spokane valley. Main floor utilities, handicap accessible, all the bells & whistles of technology wired throughout the home, gorgeous counter tops, vaulted ceiling in LR & Kitchen area, beautiful flooring throughout, main floor primary suite & laundry center, views from every window. Situated on 3.7 Acres, this 2bdr & office 2bath home has all the privacy & ability to freely roam on the land while enjoying it all. The home & shop are easily maintained because of the thought & detail shown through the process of building this wonderful home. Plenty of space in the home & the shop for everything. This one belongs on your list to see.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
6/10

Construction

Condition

  • Year built: 2015

Materials

  • Roof: Composition
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range,Dishwasher,Refrigerator,Washer,Dryer

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Natural Woodwork,Hard Surface Counters
  • Window features: Vinyl Frames

First Floor

  • Level: First
  • Area: 1390

Heating & Cooling

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

Interior Area

  • Total structure area: 1,390
  • Total interior livable area: 1,390 sqft

Property

Details

  • Parcel number: 55022.0101

Features

  • Levels: One
  • Stories: 1
  • Fencing: Fenced Yard
  • Has view: Yes
  • View description: Territorial
  • Horses can be raised: Yes

Lot

  • Lot size: 3.70 Acres
  • Features: Views,Sprinkler - Automatic,Sprinkler - Partial,Horses Allowed

Parking

  • Total spaces: 4
  • Parking features: Detached,Carport,RV Access/Parking,Workshop in Garage,Off Site
  • Attached garage spaces: 3
  • Covered spaces: 4
  • Carport: Yes
  • Carport spaces: 1

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
  • Ice Storm
    Ice StormRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Heat Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters in Spokane County and Washington

Fire
Flood
Mud Landslide
Other
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 $3,665$43,980
Home Insurance *$193$2,316
Property Taxes $600$7,200
Electricity $149$1,793
Total$4,607$55,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,954/yr
40% on housing$138,210/yr
45% on housing$122,853/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.2%
4.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$522This listing

vs Other Active Listings

Avg $/sqft

ZIP 99027$176
Spokane County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 99027$243
Spokane County$205

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
2026-07-22Listed for sale$725,000
2013-12-09Sold$70,000
2013-11-19Listed for sale$75,000

For Sale by Agent

AgentMaryalice Gumaer
BrokerageSavant Realty, Inc

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