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1104-1106 Upper Cow Creek Rd, Azalea, OR, 97410

6beds
9baths
2,700sqft
$1,700,000
$630price/sqft
$10,265/moest. monthly cost
$410,600/yrincome needed

About This Home

Privacy, space, and room to breathe. A rare opportunity for true self-sufficiency. Two homes. 77.36 acres. Water rights for 36 acres. The LEED Platinum main home (2,700sf, 3bed/3bath) opens to sweeping garden and mountain views. The second home (1,200sf, 2bed/2bath) is fully self-contained is ideal for multi-gen living or rental income. Both homes are grid-tied with solar arrays; the main home also includes battery backup. Outbuildings cover every need: pole barn, greenhouse, steel shop, a well-equipped workshop with bath, and a dedicated chicken house or artist's studio. Organically tended orchards and gardens are actively producing fruit and vegetables. Creek frontage, water rights, and extensive fire-wise land management make this one of the most thoughtfully maintained rural properties in Southern Oregon. The land is already working. Now it just needs you!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

--
4/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2009

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Metal Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built In Oven,Built-In Range,Convection Oven,Dishwasher,Double Oven,ENERGY STAR Qualified Appliances,Free-Standing Refrigerator,Instant Hot Water,Microwave,Plumbed For Ice Maker,Range Hood,Stainless Steel Appliance(s),Washer/Dryer,Electric Water Heater,Tank Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: None

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 9
  • Full bathrooms: 6
  • Partial bathrooms: 3
  • Main level bathrooms: 3

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s),High Ceilings,Solar Tube(s),Sound System,Vaulted Ceiling(s),Pantry,Pot Filler
  • Window features: Double Pane Windows,Wood Frames
  • Flooring: Concrete
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump,Passive Solar,Radiant
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 2,700
  • Total interior livable area: 2,700 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Doors,Accessible Entrance,Accessible Full Bath,Accessible Hallway,Ground Level,Main Floor Bedroom Bath,Minimal Steps,One Level,Rollin Shower,Accessibility,Handicap Access

Details

  • Parcel number: R53852
  • Zoning: R-CC
  • Other equipment: Home Theater,Satellite Dish,Irrigation Equipment

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Garden,Raised Beds,RV Hookup,Yard
  • Fencing: Cross Fenced,Fenced
  • Has view: Yes
  • View description: Mountain(s),Territorial,Trees/Woods
  • On waterfront: Yes
  • Waterfront features: Creek
  • Waterbody name: Upper Cow Creek

Lot

  • Lot size: 72.36 Acres
  • Features: Gated,Gentle Sloping,Level,Pasture,Trees,Acres 50 to 100

Parking

  • Parking features: Covered,RV Access/Parking,RV Boat Storage

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
  • Wildfire
    WildfireVery High
  • Earthquake
    EarthquakeRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Earthquake
Winter Weather
Heat Wave
Landslide

FEMA Declared Disasters in Douglas 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 $8,596$103,152
Home Insurance *$560$6,720
Property Taxes $864$10,368
Electricity $245$2,940
Total$10,265$123,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$351,942/yr
40% on housing$307,950/yr
45% on housing$273,733/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$630This listing

vs Other Active Listings

Avg $/sqft

ZIP 97410$295
Douglas County$233

vs Homes Sold Last Month

Median $/sqft

ZIP 97410$193
Douglas County$232

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
2026-05-13Listed for sale$1,700,000

For Sale by Agent

AgentSimona Fino
BrokerageeXp Realty, LLC

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