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446 S Cottonwood St, Sisters, OR, 97759

2beds
3baths
1,698sqft
$709,900
$418price/sqft
$4,938/moest. monthly cost
$197,520/yrincome needed

About This Home

One owner, custom built, meticulous condition, this Pine Meadow Village gem is the one you've been waiting for. 1,698 sq ft of open living with windows that pull in the mountain light, hardwood floors, and quartz countertops. The main level features a dedicated office or flex space with a full bath, perfect for guests or working from home. Upstairs, you'll find a second bedroom and the primary suite, which captures stunning mountain views. Three full baths total. Single car garage plus a covered porch for soaking in that Sisters air. Pine Meadow Village delivers the lifestyle: pool, hot tub, clubhouse, trails, and tennis/pickleball courts, all walking distance to downtown Sisters. Whether you're simplifying, investing, or planting roots in Central Oregon, this one is move-in ready and waiting for its next chapter.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
76
BikeVery Bikeable

Schools

8/10
7/10
Sisters Middle SchoolGrades 6-80.9 mi
8/10
Sisters High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Stemwall
  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven,Range,Refrigerator,Washer,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3

Features

  • Breakfast Bar,Ceiling Fan(s),Double Vanity,Fiberglass Stall Shower,Kitchen Island,Linen Closet,Open Floorplan,Shower/Tub Combo,Solid Surface Counters,Tile Shower,Vaulted Ceiling(s),Walk-In Closet(s)
  • Window features: Double Pane Windows,Wood Frames
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Living Room,Propane
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,698
  • Total interior livable area: 1,698 sqft

Property

Details

  • Parcel number: 254199
  • Zoning description: MFR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Association
  • Patio & porch: Covered Deck,Deck,Enclosed,Front Porch,Wrap Around
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 4,356 sqft
  • Features: Landscaped,Level,Sprinkler Timer(s),Sprinklers In Front

Parking

  • Total spaces: 1
  • Parking features: Alley Access,Asphalt,Attached,Garage Door Opener,On Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Winter Weather
Avalanche
Hail
Landslide
Lightning
Volcanic Activity

FEMA Declared Disasters in Deschutes 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 $3,589$43,068
Home Insurance *$166$1,992
Property Taxes $1,007$12,084
Electricity $176$2,119
Total$4,938$59,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,302/yr
40% on housing$148,140/yr
45% on housing$131,680/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: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
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

$418This listing

vs Other Active Listings

Avg $/sqft

ZIP 97759$406
Deschutes County$360

vs Homes Sold Last Month

Median $/sqft

ZIP 97759$391
Deschutes County$380

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
2026-07-31Price change$709,900
2026-07-03Price change$729,000
2026-06-19Listed for sale$745,000
2025-10-14Listing removed$749,000
2025-08-05Listed for sale$749,000
2025-06-16Contingent$785,000
2025-05-08Listed for sale$785,000
2018-02-12Sold$105,000

For Sale by Agent

AgentKhiva Beckwith
BrokerageColdwell Banker Mayfield Realty

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