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1104 Upper Cow Creek Rd, Azalea, OR, 97410

6beds
7baths
3,900sqft
$1,700,000
$436price/sqft
$10,373/moest. monthly cost
$414,920/yrincome needed

About This Home

Privacy, space, and room to breathe. A rare opportunity for true self-sufficiency. Two homes. 77.36 acres. Water rights for 36 acres. The LEED Platinum main home (2,700sf, 3bed/3bath) opens to sweeping garden and mountain views. The second home (1,200sf, 2bed/2bath) is fully self-contained is ideal for multi-gen living or rental income. Both homes are grid-tied with solar arrays; the main home also includes battery backup. Outbuildings cover every need: pole barn, greenhouse, steel shop, a well-equipped workshop with bath, and a dedicated chicken house or artist's studio. Organically tended orchards and gardens are actively producing fruit and vegetables. Creek frontage, water rights, and extensive fire-wise land management make this one of the most thoughtfully maintained rural properties in Southern Oregon. The land is already working. Now it just needs you!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

--
4/10

Construction

Condition

  • Year built: 2009

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Concrete,Frame,Structural Insulated Panels

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Instant Hot Water,Cooktop,Dishwasher,Double Oven,Dryer,Microwave,Oven,Range,Range Hood,Refrigerator,Washer,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7

Features

  • Breakfast Bar,Ceiling Fan(s),Double Vanity,Fiberglass Stall Shower,Laminate Counters,Open Floorplan,Pantry,Primary Downstairs,Shower/Tub Combo,Solar Tube(s),Stone Counters,Vaulted Ceiling(s),Walk-In Closet(s),Wired for Data,Wired for Sound
  • Window features: Low Emissivity Windows,Double Pane Windows,ENERGY STAR Qualified Windows,Wood Frames
  • Flooring: Concrete,Simulated Wood,Vinyl
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls,No One Above,No One Below

Heating & Cooling

  • Heating features: Geothermal,Heat Pump,Radiant,Wood,Zoned,Other
  • Cooling features: Ductless,Central Air,Heat Pump,Whole House Fan,Zoned

Interior Area

  • Total structure area: 2,700
  • Total interior livable area: 3,900 sqft

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Accessible Doors,Accessible Entrance,Accessible Full Bath

Details

  • Parcel number: R53838
  • Zoning description: R-CC
  • Special condition: Standard
  • Exclusions: Farm equipment and 5th wheel negotiable

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch
  • Exterior features: RV Dump,RV Hookup
  • Fencing: Fenced
  • Has view: Yes
  • View description: Forest,Mountain(s),Orchard,Panoramic,Territorial
  • Waterfront features: Creek

Lot

  • Lot size: 77.36 Acres
  • Features: Garden,Landscaped,Level,Native Plants,Pasture,Sloped,Wooded

Parking

  • Parking features: Attached Carport,Driveway,Electric Vehicle Charging Station(s),Gated,Gravel,No Garage,RV Access/Parking,Storage
  • Has uncovered spaces: Yes
  • Carport: 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 FloodingVery High
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Winter Weather
Heat Wave
Landslide

FEMA Declared Disasters in Douglas 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 $8,596$103,152
Home Insurance *$560$6,720
Property Taxes $864$10,368
Electricity $353$4,247
Total$10,373$124,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$355,645/yr
40% on housing$311,190/yr
45% on housing$276,613/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$436This listing

vs Other Active Listings

Avg $/sqft

ZIP 97410$392
Douglas County$234

vs Homes Sold Last Month

Median $/sqft

ZIP 97410$193
Douglas County$232

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
2026-05-01Listed for sale$1,700,000
2026-01-12Listing removed$1,849,000
2025-12-22Listed for sale$1,849,000

For Sale by Agent

AgentSimona R Fino
BrokerageeXp Realty, LLC

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