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87077 Christmas Valley Hwy, Christmas Valley, OR, 97641

2beds
1baths
768sqft
$165,000
$215price/sqft
$1,231/moest. monthly cost
$49,240/yrincome needed

About This Home

Small Country Home. This little 1 bed/1 bath home is pretty cute and has a central location in Christmas Valley. The back yard is fenced with a small storage building and many trees to keep you cool. The home sits right on the main road coming through town and is a short walk to a public park where you can play pickleball, tennis, have a bbq in the covered pavilion, etc. The home needs some TLC and has a couple of walls that need to be finished and a couple of cabinets and flooring installed to your liking.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
North Lake SchoolGrades K-1210.8 mi

Construction

Condition

  • Year built: 2008

Materials

  • Roof: Metal
  • Construction materials: T-111

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Electric Water Heater,Oven/Range- Electric

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Fireplace
  • Flooring: Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Pellet Stove
  • Cooling features: None

Interior Area

  • Total structure area: 768
  • Total interior livable area: 768 sqft

Property

Details

  • Parcel number: 5036
  • Zoning description: R-1 Commercial

Features

  • Patio & porch: Covered
  • Fencing: Partial

Lot

  • Lot size: 0.28 Acres
  • Features: Trees

Parking

  • Parking features: None

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
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Lightning
Wildfire
Earthquake

FEMA Declared Disasters in Lake 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 $834$10,008
Home Insurance *$142$1,704
Property Taxes $79$948
Electricity $176$2,119
Total$1,231$14,772
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,205/yr
40% on housing$36,930/yr
45% on housing$32,826/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 7.8%
7.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 97641$124
Lake County$233

vs Homes Sold Last Month

Median $/sqft

ZIP 97641
Lake County$114

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
2026-08-13Price change$160,000
2026-05-22Listed for sale$165,000

For Sale by Agent

AgentShara Shumway
BrokerageOregon Country Realty Inc

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