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1546 SW Harbor Dr, McMinnville, OR, 97128

3beds
2baths
1,318sqft
$399,900
$303price/sqft
$2,886/moest. monthly cost
$115,440/yrincome needed

About This Home

This is the perfect starter or retirement home! Immaculate inside and out with spacious kitchen w/ nice pantry. Large living room and good size dining area. Master bedroom has 2 closets, extra storage and master bath includes a walk in shower. The roof was installed in 2019 and the exterior paint was done about 5 years ago. Fenced backyard, patio w/ roll out sunscreen and storage shed. Low maintenance but very livable.

Getting Around

25
WalkingCar-Dependent
19
TransitMinimal Transit
49
BikeSomewhat Bikeable

Schools

5/10
Newby Elementary SchoolGrades K-50.4 mi
8/10
Duniway Middle SchoolGrades 6-80.4 mi
9/10
Mcminnville High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1993

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Cement Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Range,Microwave,Electric Water Heater

Bedroom2

  • Level: Main
  • Area: 90

Bedroom3

  • Level: Main
  • Area: 143

Bedrooms & Bathrooms

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

Dining Room

  • Features: Exterior Entry
  • Level: Main
  • Area: 143

Features

  • Pantry,Closet,Shower
  • Window features: Double Pane Windows
  • Flooring: Laminate

Heating

  • Heating features: Zoned

Interior Area

  • Total structure area: 1,318
  • Total interior livable area: 1,318 sqft

Kitchen

  • Features: Dishwasher, Pantry
  • Level: Main
  • Area: 81

Living Room

  • Level: Main
  • Area: 234

Master Bedroom

  • Features: Closet, Shower
  • Level: Main
  • Area: 195

Property

Accessibility

  • Accessibility features: Main Floor Bedroom Bath,One Level,Parking,Accessibility

Details

  • Parcel number: 485224
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Raised Beds,Exterior Entry
  • Fencing: Fenced
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 4,791 sqft
  • Features: Level,SqFt 3000 to 4999

Parking

  • Total spaces: 1
  • Parking features: Driveway,Off Street,Attached
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Ice Storm
Strong Wind

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 $2,022$24,264
Home Insurance *$94$1,128
Property Taxes $594$7,128
Electricity $176$2,119
Total$2,886$34,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,948/yr
40% on housing$86,580/yr
45% on housing$76,960/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

$303This listing

vs Other Active Listings

Avg $/sqft

ZIP 97128$230
Yamhill County$312

vs Homes Sold Last Month

Median $/sqft

ZIP 97128$297
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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$399,900
2026-07-14Price change$399,900
2026-06-05Listed for sale$409,900
2018-05-17Sold$245,000

For Sale by Agent

AgentRobin Martsolf
BrokeragePerformance Real Estate Professionals

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