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408 SW Oak St, Willamina, OR, 97396

3beds
2baths
1,329sqft
$422,000
$318price/sqft
$2,916/moest. monthly cost
$116,640/yrincome needed

About This Home

Custom single-level home in the heart of Willamina! This 3BD/2BA home features an open floor plan with vaulted ceilings and abundant natural light. Spacious kitchen offers stainless steel appliances, ample counter space, and flows seamlessly into the dining and living areas. Living room includes a cozy fireplace and large windows. Primary suite features a walk-in closet and private bath. Two additional bedrooms provide flexibility for guests, office, or hobbies. Enjoy outdoor living with a covered deck off the dining room—perfect for entertaining—as well as a covered front porch. Large, partially fenced backyard offers room to garden, play, or relax. Two-car attached garage plus RV parking with 110/220 hookup. Solar panels add energy efficiency and long-term savings. Convenient one-level living close to town amenities.

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

3/10
5/10
Willamina Middle SchoolGrades 6-81.0 mi
3/10
Willamina High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Continuous
  • Roof: Composition
  • Construction materials: Lap Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Gas Water Heater

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Features: Area (Combination)
  • Level: Main

Features

  • Flooring: Carpet,Laminate
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas,Solar,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,329
  • Total interior livable area: 1,329 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: R6701DB04001
  • Zoning: City Urban

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Fencing: Partial
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 6,072 sqft
  • Features: Irregular Lot,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave
Ice Storm
Landslide
Strong Wind
Winter Weather

FEMA Declared Disasters in Yamhill 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 $2,133$25,596
Home Insurance *$137$1,644
Property Taxes $470$5,640
Electricity $176$2,119
Total$2,916$34,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,977/yr
40% on housing$87,480/yr
45% on housing$77,760/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$318This listing

vs Other Active Listings

Avg $/sqft

ZIP 97396$227
Yamhill County$312

vs Homes Sold Last Month

Median $/sqft

ZIP 97396$246
Yamhill County$301

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
2026-02-19Price change$425,000
2026-01-30Listed for sale$435,000
2021-03-24Listing removed--
2019-08-09Listing removed$1,350
2019-08-01Listed for rent$1,350
2018-02-24Sold$255,546

For Sale by Agent

AgentBARBARA HOFENBREDL
BrokerageHofenbredl Realty Llc

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