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206 1/2 S Main St, Union, OR, 97883

2beds
2baths
1,400sqft
$749,000
$535price/sqft
$4,703/moest. monthly cost
$188,120/yrincome needed

About This Home

A Rare opportunity with private parking and separate entrance, and privacy Fence is welcoming from the first moment. This Extremely well cared for and updated 2 Story Home with bedroom and laundry on the main floor and a Very Large Primary Bedroom with large Walk-in closet and full bathroom on the second floor. Checkout Hometown Hardware Store Facebook page for the last 10 Years of activities!! You will learn why this is the HUB of Union Oregon!! Attached to the back of the Hometown Hardware Store is such a Bonus to this live/work Opportunity Sold with Building, Business and Inventory including the extra lot for Garden Center. These opportunities dont come around often. Hometown Hardware has been a Hub of Union for many years. Become an instant part of the quaint town and wonderful community in Eastern Oregon.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

4/10
Union Elementary SchoolGrades K-60.1 mi
7/10
Union High SchoolGrades 7-120.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1890

Materials

  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Residential

Interior

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 1,400
  • Total interior livable area: 1,400 sqft

Master Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 8571
  • Attached to another structure: Yes

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 3,049 sqft
  • Features: SqFt 3000 to 4999

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Wildfire
    WildfireRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Wildfire
Lightning

FEMA Declared Disasters in Union 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 $3,787$45,444
Home Insurance *$316$3,792
Property Taxes $424$5,088
Electricity $176$2,119
Total$4,703$56,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,245/yr
40% on housing$141,090/yr
45% on housing$125,413/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$535This listing

vs Other Active Listings

Avg $/sqft

ZIP 97883$228
Union County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 97883$239
Union County$175

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
2026-02-26Listed for sale$749,000

For Sale by Agent

AgentLarrena Overton
BrokerageWallowa Mountain Properties

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