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108 E Main Ave, Chewelah, WA, 99109

2beds
1baths
2,400sqft
$699,900
$292price/sqft
$4,370/moest. monthly cost
$174,800/yrincome needed

About This Home

Completely renovated commercial building with a fully furnished apartment upstairs in the heart of downtown Chewelah! This income-producing property features two updated 600 sq ft office spaces on the main level and a modern, fully furnished 1,200 sq ft apartment upstairs— generating strong revenue. Recent upgrades include new electrical panels, an insulated roof, as well as energy-efficient Mitsubishi mini splits in every unit. The historic brick exterior has been cleaned, repointed, and freshly painted, blending classic charm with modern convenience. A turnkey investment opportunity!

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

5/10
Gess Elementary SchoolGrades K-60.4 mi
5/10

Construction

Materials

  • Foundation: Brick/Mortar
  • Roof: Flat
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Washer,Refrigerator,Microwave,Electric Range,Dryer,Dishwasher

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Mini Split

Interior Area

  • Total structure area: 2,400
  • Total interior livable area: 2,400 sqft

Property

Details

  • Parcel number: 0203800
  • Zoning description: Commercial

Features

  • Stories: 2
  • Has view: Yes
  • View description: City,Territorial

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 30 x 140

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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Winter Weather

FEMA Declared Disasters in Stevens County and Washington

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 $3,539$42,468
Home Insurance *$312$3,744
Property Taxes $355$4,260
Electricity $164$1,969
Total$4,370$52,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,828/yr
40% on housing$131,100/yr
45% on housing$116,533/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

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: 12.5%
12.5%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
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

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 99109$187
Stevens County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 99109$221
Stevens County$220

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
2025-08-19Listed for sale$699,900

For Sale by Agent

AgentBardwell Real Estate Team
BrokerageRE/MAX SELECT ASSOCIATES

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