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913 1st Ave NE, Albany, OR, 97321

3beds
3baths
2,272sqft
$439,000
$193price/sqft
$2,784/moest. monthly cost
$111,360/yrincome needed

About This Home

This unique vintage home is zoned multi-use/residential making it possible to live in & operate a home business (recently used by an attorney) or rent out offices. Historic charm of high ceilings & tall windows with a new roof in 2025, updated electrical and plumbing. Large eat-in kitchen with separate pantry. A gardener’s paradise with a large, fenced yard and fruit trees. Main bdrm features a walk-in closet and full bath. Off-street parking with separate entrance for offices in the daylight basement. Close to downtown for shopping, parks and restaurants.

Getting Around

72
WalkingVery Walkable
0
TransitVery Limited Transit
77
BikeVery Bikeable

Schools

1/10
4/10
Memorial Middle SchoolGrades 6-81.5 mi
8/10
West Albany High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Continuous
  • Roof: Composition
  • Construction materials: Wood Siding,Lap Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Range Included,Gas Water Heater
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Daylight

Bedroom2

  • Level: Lower

Bedroom3

  • Level: Lower

Bedrooms & Bathrooms

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

Family Room

  • Level: Lower

Features

  • Breakfast Room/Nook,Walk-in Pantry
  • Flooring: Carpet,Laminate,Vinyl

Heating

  • Heating features: Natural Gas,Forced Air

Interior Area

  • Total structure area: 2,272
  • Total interior livable area: 2,272 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Lower

Master Bedroom

  • Level: Main

Property

Details

  • Zoning: MUR

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Exterior features: Pink
  • Fencing: Fenced
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 7,405 sqft
  • Features: Dimension Above,Landscaped

Parking

  • Parking features: No Garage

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

  • Earthquake
    EarthquakeVery High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Strong Wind
Heat Wave
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Linn 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 $2,219$26,628
Home Insurance *$92$1,104
Property Taxes $267$3,204
Electricity $206$2,474
Total$2,784$33,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,451/yr
40% on housing$83,520/yr
45% on housing$74,240/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 97321$232
Linn County$240

vs Homes Sold Last Month

Median $/sqft

ZIP 97321$266
Linn County$285

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
2026-05-06Listed for sale$454,000

For Sale by Agent

AgentKAREN SCHUELLER
BrokerageHomesmart Realty Group - Albany

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