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13060 SW Elk Rock Rd, Lake Oswego, OR, 97034

5beds
3baths
3,681sqft
$1,616,063
$439price/sqft
$11,078/moest. monthly cost
$443,120/yrincome needed

About This Home

$100,000 Price Improvement – This charming Craftsmen-style home offers timeless character with a peaceful storybook setting. Offering river views from nearly every window! This updated 1920s has all the modern comforts, featuring vaulted ceilings, original hardwood floors, and abundant natural light. Spacious lower level with separate entry and full shower offers versatile living space for a variety of needs—guests, work-from-home, or hobby space. Recent updates include custom closets, new fencing, custom blinds (2022), high-end range, new high-end dishwasher, updated bathrooms, new carpet, newer roof (approx. 2018), and new water heater. The primary suite offers river views, heated bathroom floors, and a walk-in closet. The upper level also includes an additional bedroom and a tucked-away hideaway room just outside the bedrooms, offering flexible space for creative use. Upstairs laundry with stackable washer & dryer is conveniently located between the bedrooms. Enjoy an expansive deck, tranquil koi pond, and landscaped yard set on a large lot—rare in Lake Oswego. The upper lot features a detached two-car garage with separate electricity and water, offering additional space and flexibility for a variety of uses (buyer to verify). Located within a highly regarded school district. This extraordinary property offers endless potential in a serene and scenic setting. A peaceful retreat with the convenience of direct Highway 43 access, putting shops, dining, and everyday destinations just moments away — all without ever getting on a freeway. Minutes to downtown Lake Oswego, Elk Rock Gardens, and Tryon Creek State Natural Area, with easy access to downtown Portland and all the Pacific Northwest has to offer.

Getting Around

19
WalkingCar-Dependent
33
TransitSome Transit
18
BikeSomewhat Bikeable

Schools

8/10
6/10
10/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1920

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Board & Batten Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built In Oven,Built-In Refrigerator,Free-Standing Gas Range,Microwave,Washer/Dryer,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Storage Space

Bedroom2

  • Features: Builtin Features, Hardwood Floors
  • Level: Upper
  • Area: 156

Bedroom3

  • Features: Builtin Features, Hardwood Floors
  • Level: Main
  • Area: 180

Bedroom4

  • Features: Walkin Closet, Wallto Wall Carpet
  • Level: Main
  • Area: 168

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1

Dining Room

  • Features: Formal, Hardwood Floors
  • Level: Main
  • Area: 156

Features

  • Marble,Quartz,Soaking Tub,Vaulted Ceiling(s),Walk-In Closet(s),Bathroom,Closet,Built-in Features,Formal,Eat Bar
  • Flooring: Hardwood,Heated Tile,Wall to Wall Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Radiant,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,681
  • Total interior livable area: 3,681 sqft

Kitchen

  • Features: Eat Bar, Hardwood Floors
  • Level: Main
  • Area: 160

Living Room

  • Features: Deck, Fireplace, Hardwood Floors,Vaulted Ceiling
  • Level: Main
  • Area: 378

Master Bedroom

  • Features: Ensuite, Walkin Closet, Washer Dryer
  • Level: Upper
  • Area: 168

Property

Details

  • Parcel number: 00180814

Features

  • Stories: 3
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Water Feature,Yard
  • Fencing: Fenced
  • Has view: Yes
  • View description: River,Territorial
  • Has water view: Yes
  • Water view: River

Lot

  • Lot size: 0.82 Acres
  • Features: Gentle Sloping,Private,SqFt 20000 to Acres1

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Earthquake
Cold Wave

FEMA Declared Disasters in Clackamas 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 $8,171$98,052
Home Insurance *$302$3,624
Property Taxes $2,271$27,252
Electricity $334$4,008
Total$11,078$132,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$379,817/yr
40% on housing$332,340/yr
45% on housing$295,413/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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$439This listing

vs Other Active Listings

Avg $/sqft

ZIP 97034$525
Clackamas County$305

vs Homes Sold Last Month

Median $/sqft

ZIP 97034$401
Clackamas 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
2026-05-01Price change$1,700,000
2025-03-02Listed for sale$1,800,000
2021-09-03Sold$1,100,000
2021-08-15Pending sale$1,178,000
2021-07-28Listed for sale$1,178,000
2015-10-23Sold$710,000
2015-08-14Price change$725,000
2015-08-07Price change$744,000
2015-07-31Price change$749,000
2015-07-24Listed for sale$769,000
2015-06-10Listing removed$784,000
2015-06-02Price change$784,000
2015-05-15Price change$789,000
2015-05-03Price change$799,000
2015-04-27Price change$810,000
2015-04-10Listed for sale$825,000
2014-04-17Listing removed$150,000
2014-04-10Listed for sale$150,000
2014-03-31Sold$440,458
2014-01-19Listed for sale$175,000
2013-12-10Listing removed$474,900
2013-11-23Price change$474,900
2013-10-31Price change$499,900
2013-09-13Listed for sale$550,000
2001-10-10Sold$137,950

For Sale by Agent

AgentShelly Kivett
BrokerageBetter Homes & Gardens Realty

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