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374 Cambridge St, Ashland, OR, 97520

4beds
3baths
1,723sqft
$490,000
$284price/sqft
$3,433/moest. monthly cost
$137,320/yrincome needed

About This Home

3 bed, 2 bath main home with an attached 1 bed, 1 bath studio featuring a separate entrance! You'll love this wonderful neighborhood just 3 blocks from Helman Elementary School, with easy access to the bike path, tennis courts, playground, dog park, and community gardens -- all just 1 mile from Ashland Plaza. This home sits on nearly a quarter of an acre so lots of space to entertain and garden. Incredible fenced rear yard with expansive lawn areas, apple, plum & apricot trees, raised garden beds & grape arbor, covered patio and views of Mt Ashland. Two car garage creates a large space for a workshop or all your outdoor gear.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
58
BikeBikeable

Schools

8/10
Helman Elementary SchoolGrades K-50.4 mi
7/10
Ashland Middle SchoolGrades 6-82.0 mi
9/10
Ashland High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Unknown

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Oven,Range,Range Hood,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3

Features

  • Flooring: Laminate,Vinyl
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 335
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Natural Gas,Wood
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,388
  • Total interior livable area: 1,723 sqft

Property

Details

  • Parcel number: 10053763
  • Zoning description: R-1-5
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch

Lot

  • Lot size: 8,712 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Earthquake
Heat Wave
Wildfire

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 $2,477$29,724
Home Insurance *$123$1,476
Property Taxes $657$7,884
Electricity $176$2,119
Total$3,433$41,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,702/yr
40% on housing$102,990/yr
45% on housing$91,546/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

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 97520$343
Jackson County$260

vs Homes Sold Last Month

Median $/sqft

ZIP 97520$292
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
2026-07-31Price change$490,000
2026-07-07Price change$495,000
2026-06-19Price change$505,000
2026-05-21Listed for sale$515,000
2021-11-22Sold$455,000
2021-10-25Pending sale$455,000
2021-10-02Listed for sale$455,000
2019-06-15Listing removed$380,000
2019-05-23Price change$380,000
2019-05-08Price change$389,000
2019-04-05Price change$399,000
2019-01-23Price change$395,000
2018-12-11Price change$399,000
2018-11-16Listed for sale$407,000
2005-06-15Sold$270,000

For Sale by Agent

AgentTaylor Neill
BrokerageBeyond Real Estate Brokers

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