See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

16695 S Harding Rd, Oregon City, OR, 97045

4beds
3baths
2,484sqft
$1,399,000
$563price/sqft
$9,435/moest. monthly cost
$377,400/yrincome needed

About This Home

Private gated property set back from the road on nearly 5 fenced acres with mature landscaping. Custom home built 2015 with premium materials/finishes. 4 bedrooms (4th bedroom non conforming and currently used as game room), 3 full bathrooms, plus attached 1200 sq ft finished and heated garage. 30x60 shop w/concrete floor, 220 power, heat, & 12x36 lean to on back. Full RV hookup w/ 50/30amp, water, & sewer. Private target shooting range. County approval and infrastructure in place for guest house/home expansion or ADU. Raised bed garden, pond/waterfall, huge gravel driveway. House has no carpet, 9 foot ceilings (vaulted in living/kitchen) heat pump with central AC, top of the line audio video system extending to deck, living room, and master bathroom (whole house wired). Slab granite counters throughout, custom cabinets, stainless appliances, under cabinet lighting, high efficiency wood burning fireplace. heated tile floors in master bath/closet, custom walk in closet in master, covered composite deck. Furnishings and equipment also available for sale. Shown by appointment only to qualified buyers.

Getting Around

16
WalkingCar-Dependent
0
TransitNo Nearby Transit
6
BikeSomewhat Bikeable

Schools

2/10
4/10
Ogden Middle SchoolGrades 6-87.4 mi
8/10
Oregon City High SchoolGrades 9-127.4 mi

Construction

Condition

  • Year built: 2015

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer
  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Heat pump,Electric,Wood / Pellet
  • Cooling features: Central,Other

Interior Area

  • Total interior livable area: 2,484 sqft

Property

Details

  • Parcel number: 00637056

Features

  • Exterior features: Other
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 4.83 Acres

Parking

  • Total spaces: 10
  • Parking features: Carport,Garage - Attached,Garage - Detached,Off-street

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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Heat Wave
Inland Flooding
Strong Wind
Ice Storm
Landslide
Lightning
Winter Weather

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 $7,074$84,888
Home Insurance *$314$3,768
Property Taxes $1,822$21,864
Electricity $225$2,705
Total$9,435$113,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$323,485/yr
40% on housing$283,050/yr
45% on housing$251,600/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

$563This listing

vs Other Active Listings

Avg $/sqft

ZIP 97045$271
Clackamas County$305

vs Homes Sold Last Month

Median $/sqft

ZIP 97045$322
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)

No zestimate history available

Price History

DateEventPrice
2026-04-23Listed for sale$1,399,000
2025-08-14Listing removed--
2025-06-19Listed for sale$1,400,000
2024-08-13Listing removed--
2024-07-22Price change$1,400,000
2024-06-24Listed for sale$1,500,000
2024-06-10Listing removed--
2023-12-14Price change$3,995
2023-08-23Price change$4,200
2023-08-07Price change$5,000
2023-08-02Price change$4,500
2023-02-20Price change$5,000
2023-02-01Listed for rent$6,000
2021-03-24Listing removed--
2018-06-30Listing removed$988,000
2018-05-28Listed for sale$988,000
2013-02-15Sold$235,000
2012-11-17Listing removed$249,000
2012-11-07Listed for sale$249,000
2010-09-26Listing removed$275,000
2010-05-19Price change$275,000
2010-03-28Listed for sale$299,000

For Sale by Owner

AgentProperty Owner

Similar Homes