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811 Horn Ln, Eugene, OR, 97404

3beds
3baths
1,138sqft
$399,900
$351price/sqft
$2,541/moest. monthly cost
$101,640/yrincome needed

About This Home

Experience refined living in this brand new two-story home in the desirable River Road area. Designed for comfort and functionality, this home features a bright open-concept main level with a spacious living area, dining space, and a well-appointed kitchen with eat-at island. A main-level bedroom and full bathroom offer flexibility for guests, office, or multi-generational living, along with a ductless heat pump for efficient year-round comfort.Upstairs, two bedrooms each feature private en-suite bathrooms, creating a comfortable and private retreat. Each bedroom includes its own ductless heat pump for individualized climate control.Enjoy outdoor living with a backyard patio, perfect for entertaining or relaxing. With modern efficiency, thoughtful design, and new construction peace of mind, this home offers exceptional value in a convenient, established location. Photos are for reference for finishes only.

Getting Around

45
WalkingCar-Dependent
29
TransitSome Transit
65
BikeBikeable

Schools

6/10
Kelly Middle SchoolGrades 6-80.9 mi
3/10
North Eugene High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 2026

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Interior Area

  • Total structure area: 1,138
  • Total interior livable area: 1,138 sqft

Property

Details

  • Parcel number: 1911880

Features

  • Stories: 2

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 FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters in Lane 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 $2,022$24,264
Home Insurance *$84$1,008
Property Taxes $259$3,108
Electricity $176$2,119
Total$2,541$30,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,120/yr
40% on housing$76,230/yr
45% on housing$67,760/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$351This listing

vs Other Active Listings

Avg $/sqft

ZIP 97404$243
Lane County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 97404$284
Lane County$294

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
2026-04-23Listed for sale$419,000

For Sale by Agent

AgentSandra Boyst
BrokerageICON Real Estate Group

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