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109 S 3rd Ave, Chiloquin, OR, 97624

1beds
1baths
620sqft
$225,000
$363price/sqft
$1,525/moest. monthly cost
$61,000/yrincome needed

About This Home

This property is currently been used as an ARBNB. Appointment ONLY. Charming Handcrafted One-Bedroom Cabin with Rustic Elegance. Discover your perfect retreat in this beautifully handcrafted one-bedroom, one-bath cabin, thoughtfully designed with artistic flair and natural materials. Built entirely with care, this cozy home boasts exquisite log accents, rich pine and cedar woodwork, and unique artisanal touches that create a warm and inviting atmosphere. The open-concept living space features tile flooring throughout the kitchen and bath, adding durability and a modern touch to the rustic charm. The fully equipped kitchen offers ample space for cooking and entertaining, complemented by the beauty of natural wood finishes. The living room ceilings have been newly painted, replaced the GFCI outlet in the bathroom, replaced the valves/faucet in the shower.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

4/10
3/10
Chiloquin High SchoolGrades 7-120.7 mi

Construction

Condition

  • Year built: 1917

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Disposal,Dryer,Oven,Range,Washer,Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1

Features

  • Breakfast Bar,Tile Counters
  • Window features: Double Pane Windows,ENERGY STAR Qualified Windows,Vinyl Frames
  • Flooring: Carpet,Tile
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Electric,Wood
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 620
  • Total interior livable area: 620 sqft

Property

Details

  • Parcel number: 203648
  • Zoning description: Residential
  • Special condition: Standard
  • Exclusions: Seller will remove all personal items before close of escrow!

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 8,712 sqft
  • Features: Sloped,Wooded

Parking

  • Parking features: Driveway,Gravel
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Winter Weather
Cold Wave
Earthquake

FEMA Declared Disasters in Klamath 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 $1,137$13,644
Home Insurance *$94$1,128
Property Taxes $118$1,416
Electricity $176$2,119
Total$1,525$18,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,285/yr
40% on housing$45,750/yr
45% on housing$40,666/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$363This listing

vs Other Active Listings

Avg $/sqft

ZIP 97624$254
Klamath County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 97624$192
Klamath County$207

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
2026-02-10Listed for sale$225,000
2026-01-01Listing removed$250,000
2025-10-22Listed for sale$250,000

For Sale by Agent

AgentLorna Rigdon
BrokerageCrater Lake Realty,Inc.

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