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38470 Elkhorn Estates Rd, Baker City, OR, 97814

5beds
3baths
3,424sqft
$629,000
$184price/sqft
$4,077/moest. monthly cost
$163,080/yrincome needed

About This Home

Set in the peaceful foothills of the Elkhorn Mountains, this expansive single-level ranch offers 3,424 sq ft of living space on 2.03 acres. With 5 bedrooms and 3 full baths, the home blends comfort, space, and scenic surroundings. Two spacious living areas with oversized windows capture abundant natural light and sweeping views of the meadows and mountains. The kitchen is designed for gathering, featuring granite countertops, an island with seating, and a wet bar or coffee station. The primary suite is a private retreat with its own wood stove, sunken jetted tub, sauna, and dual sliding doors leading to a patio and secluded hot tub area. Additional highlights include dual furnaces, dual water heaters, two wood stoves, and two gas stoves for year-round comfort. Outside, enjoy an attached 2-car garage, outbuilding for storage, RV parking, and a private driveway for added seclusion. Ideally located near Phillips Reservoir, Sumpter, and Baker City with easy access to hunting, fishing, hiking, and ATV/snowmobile trails. A rare opportunity to own a versatile mountain retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
6/10
Baker Middle SchoolGrades 7-813.6 mi
6/10
Baker High SchoolGrades 9-1213.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1980

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Board & Batten Siding,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Range,Free-Standing Refrigerator,Trash Compactor,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 3

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Ceiling Fan(s),Granite
  • Window features: Vinyl Frames
  • Flooring: Vinyl,Wall to Wall Carpet
  • Number of fireplaces: 4
  • Fireplace features: Propane,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 3,424
  • Total interior livable area: 3,424 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: One Level,Accessibility

Details

  • Parcel number: 6506
  • Zoning: RR5

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Yard
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods

Lot

  • Lot size: 2.03 Acres
  • Features: Level,Private,Secluded,Trees,Acres 1 to 3
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Driveway,RV Access/Parking,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Wildfire
    WildfireVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Winter Weather
Avalanche
Hail
Landslide
Lightning

FEMA Declared Disasters in Baker 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 $3,180$38,160
Home Insurance *$221$2,652
Property Taxes $366$4,392
Electricity $310$3,728
Total$4,077$48,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$139,782/yr
40% on housing$122,310/yr
45% on housing$108,720/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: 13.4%
13.4%
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

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 97814$148
Baker County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 97814
Baker County$188

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
2026-04-04Listed for sale$649,900

For Sale by Agent

AgentJon McLagan
BrokerageThe Oregon Realty Group

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