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647 Elm Tree Dr, Colville, WA, 99114

1beds
1baths
1,376sqft
$349,000
$254price/sqft
$2,055/moest. monthly cost
$82,200/yrincome needed

About This Home

Waterfront lot with 1376 square foot shop with a 1 bedroom 1 bath apartment on 1.62 Acres bordering the Little Pend Oreille River. Property is ready for a new main house. Features a 3 bedroom pressurized septic system. Includes an RV dump and an RV electrical outlet. Lovely river frontage immediately behind the Arden Fire Hall. Many extras including a gazebo, a garden shed, and large dog run fenced with kennel type fencing. Two tall garage doors make it easy to get an RV in and out. Very neatly laid out shop with one wall of sturdy shelves. Open staircase up to upper level storage room. There is room up there for a second bathroom. Main level kitchen, bathroom, and living area. Community water system including irrigation. Come and build your dream home here!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
6/10

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Roof: Metal,Pitched
  • Construction materials: Metal Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Washer,Refrigerator,Microwave,Electric Range,Dryer
  • Laundry features: Main Level,Laundry Room

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1

Features

  • Ceiling Fan(s),See Remarks

Heating

  • Heating features: Wall Furnace,Electric

Interior Area

  • Total structure area: 1,376
  • Total interior livable area: 1,376 sqft

Property

Details

  • Parcel number: 0872199
  • Zoning description: Residential

Features

  • Stories: 2
  • Topography of land: Level

Lot

  • Lot size: 1.62 Acres
  • Lot size dimensions: Irregular

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

  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Wildfire
Cold Wave
Inland Flooding
Landslide
Winter Weather

FEMA Declared Disasters in Stevens 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 $1,764$21,168
Home Insurance *$142$1,704
Property Taxes $0$0
Electricity $149$1,793
Total$2,055$24,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,457/yr
40% on housing$61,650/yr
45% on housing$54,800/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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 99114$143
Stevens County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 99114$182
Stevens County$220

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
2026-04-15Listed for sale$349,000
2026-03-24Pending sale$349,000
2026-03-04Listed for sale$349,000
2018-04-11Sold$45,000
2012-04-24Sold$47,500
2007-01-16Sold$35,000

For Sale by Agent

AgentBOB MCBLAIR
BrokerageRE/MAX SELECT ASSOCIATES

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