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813 SE Ford St, McMinnville, OR, 97128

3beds
2baths
1,381sqft
$439,000
$318price/sqft
$3,151/moest. monthly cost
$126,040/yrincome needed

About This Home

*One unit is vacant, and ready for house-hackers!* Updated duplex within walking distance of Linfield University and Downtown McMinnville. This duplex has a two-bedroom, one-bath unit and a one-bedroom, one-bath unit. One unit has a detached storage shed on the property, and both have separate driveways. The units have recently been updated with new quartz countertops, bathrooms, and laminate flooring. The roof, exterior, and interior painting were redone in the last five years. for more gross income and rent information. A 24-hour notice must be given prior to any showings.

Getting Around

68
WalkingSomewhat Walkable
29
TransitSome Transit
55
BikeBikeable

Schools

4/10
Sue Buel ElementaryGrades K-50.7 mi
6/10
Patton Middle SchoolGrades 6-81.4 mi
9/10
Mcminnville High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: T111 Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Washer/Dryer,Electric Water Heater

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,381
  • Total interior livable area: 1,381 sqft

Property

Details

  • Parcel number: 163744
  • Zoning: R4

Features

  • Stories: 1
  • Waterbody name: N-A

Lot

  • Lot size: 5,662 sqft
  • Features: Level,SqFt 5000 to 6999

Parking

  • Total spaces: 4
  • Parking features: Driveway,Off Street
  • 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
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
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 $2,219$26,628
Home Insurance *$104$1,248
Property Taxes $652$7,824
Electricity $176$2,119
Total$3,151$37,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,034/yr
40% on housing$94,530/yr
45% on housing$84,026/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 97128$229
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)

Price History

DateEventPrice
2026-05-04Listed for sale$439,000
2025-07-31Listing removed$419,000
2025-07-13Listed for sale$419,000
2025-06-05Pending sale$419,000
2025-05-02Price change$419,000
2025-04-11Price change$429,900
2025-03-06Price change$445,000
2025-02-25Listed for sale$457,000
2023-12-07Sold$356,187
2022-01-12Sold$200,000
2021-04-22Sold$165,500

For Sale by Agent

AgentZach Bernards
BrokerageWillcuts Company Real Estate

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