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413 E Okanogan Avenue, Chelan, WA, 98816

3beds
2baths
1,260sqft
$432,500
$343price/sqft
$2,701/moest. monthly cost
$108,040/yrincome needed

About This Home

Chelan's newest cottage neighborhood. There are four delightful homes ready for occupancy. Main floor is a great room design, guest bath and utility. Three bedrooms upstairs and a full bath. All appliances are included with your purchase. You will have parking for two cars close to your cottage. Excellent insulation because of SIP construction. Hardy cement plank siding for easy care. Walking opportunities on dedicated trails include downtown Riverwalk Park, Reach Trail, Lakeside and Northshore. The owners of these cottages will enjoy all the ownership rights and appreciation of fee simple ownership. No deed restrictions or income rules.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

6/10
Chelan Middle SchoolGrades 6-80.5 mi
6/10
Chelan High SchoolGrades 9-120.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Notable Dates

  • Major remodel year: 2026

Type & Style

  • Home type: SingleFamily
  • Architectural style: 2 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Garbage Disposal,Microwave(s),Refrigerator(s),Washer(s),Water Heater: Electric,Water Heater Location: Main floor closet

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Entry Hall

  • Level: Main

Features

  • Flooring: Vinyl Plank,Carpet

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Ductless,Electric
  • Cooling features: Ductless

Interior Area

  • Total interior livable area: 1,260 sqft

Kitchen With Eating Space

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 272213512811
  • Zoning: Residential
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Water Heater
  • Has view: Yes
  • View description: City,Territorial
  • Topography of land: Level

Lot

  • Lot size: 1,298 sqft
  • Features: Paved,Cable TV
  • Lot size dimensions: 35 x 43

Parking

  • Total spaces: 8
  • Parking features: Driveway
  • Uncovered spaces: 8

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
  • Avalanche
    AvalancheRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Wildfire
Avalanche
Inland Flooding
Lightning
Cold Wave
Earthquake
Hail
Winter Weather

FEMA Declared Disasters in Chelan 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 $2,186$26,232
Home Insurance *$132$1,584
Property Taxes $234$2,808
Electricity $149$1,793
Total$2,701$32,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,605/yr
40% on housing$81,030/yr
45% on housing$72,026/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$343This listing

vs Other Active Listings

Avg $/sqft

ZIP 98816$475
Chelan County$367

vs Homes Sold Last Month

Median $/sqft

ZIP 98816$360
Chelan County$300

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
2026-04-30Price change$432,500
2026-02-11Listed for sale$449,000

New Construction

AgentMary P. Flood
BrokerageWindermere RE/Lake Chelan

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