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1184 Rutherford Dr, Medford, OR, 97504

2beds
3baths
1,970sqft
$599,000
$304price/sqft
$3,715/moest. monthly cost
$148,600/yrincome needed

About This Home

Distinctive 2023-built modern home offering 2 bedrooms, 2.5 baths and a flexible two-story split-living design. The light-filled upper level features vaulted ceilings, an open-concept kitchen and living area, custom cabinetry, granite countertops and window sills, and premium Canadian-imported hardwood flooring. A major highlight is the expansive covered second-story deck, offering elevated neighborhood and mountain views with year-round outdoor living. The primary suite includes a large walk-in closet, dual-sink vanity, heated bathroom floors and a beautifully tiled walk-in shower. The lower level provides a second living area with kitchenette, bedroom, full bath and laundry--ideal for guests, multigenerational living, work-from-home space or extended stays. Additional features include mini-split heating and cooling, abundant storage, an oversized two-car garage and a low-maintenance exterior and homesite. Owner financing available to well qualified buyers. Inquire with broker

Getting Around

31
WalkingCar-Dependent
0
TransitNo Nearby Transit
54
BikeBikeable

Schools

5/10
3/10
Talent Middle SchoolGrades 6-85.2 mi
6/10
Phoenix High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Instant Hot Water,Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Tankless Water Heater,Washer

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3

Features

  • Smart Lock(s),Smart Light(s),Double Vanity,Granite Counters,In-Law Floorplan,Kitchen Island,Open Floorplan,Pantry,Smart Thermostat,Solar Tube(s),Tile Shower,Walk-In Closet(s)
  • Window features: Double Pane Windows,Skylight(s)
  • Flooring: Hardwood,Simulated Wood,Tile
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,970
  • Total interior livable area: 1,970 sqft

Property

Details

  • Parcel number: 11015845
  • Zoning description: Sfr-10
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),Neighborhood

Lot

  • Lot size: 3,484 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage Door Opener,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Winter Weather
Earthquake
Heat Wave

FEMA Declared Disasters in Jackson 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 $3,028$36,336
Home Insurance *$145$1,740
Property Taxes $364$4,368
Electricity $178$2,145
Total$3,715$44,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,371/yr
40% on housing$111,450/yr
45% on housing$99,066/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$304This listing

vs Other Active Listings

Avg $/sqft

ZIP 97504$255
Jackson County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 97504$270
Jackson County$265

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
2026-08-14Price change$590,000
2026-07-31Listed for sale$599,000

For Sale by Agent

AgentMason McKinney
BrokerageRE/MAX Platinum

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