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563 Rock St, Ashland, OR, 97520

7beds
5baths
2,790sqft
$965,000
$346price/sqft
$6,669/moest. monthly cost
$266,760/yrincome needed

About This Home

Rare opportunity to own 2 residences plus a studio on one tax lot. Offers exceptional flexibility for multigenerational living, rental income, live-work, or guest accommodations. The 1,720 SF main residence was fully renovated in 2018, including a new poured foundation, and has 4 bedrooms, 2 baths, open living spaces, a kitchen with crisp white cabinets, subway tile backsplash & a main level bedroom. The main residence includes a double garage with a 480 SF upper-level studio with a full bath. A separate second 1,070 SF residence, built in 2018, offers stylish & charming single-level living with high ceilings, 2 bedrooms, 2 baths, & contemporary finishes. Situated in an established historic neighborhood with mature trees, the property has off-street parking, modern systems, and is close to Ashland's downtown. This R-2-zoned property features separate addresses & meters & allows for 2 Airbnb units with owner occupancy on premises. Request property offering details.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

8/10
Helman Elementary SchoolGrades K-50.5 mi
7/10
Ashland Middle SchoolGrades 6-82.0 mi
9/10
Ashland High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1895

Materials

  • Foundation: Concrete Perimeter,Stemwall
  • Roof: Composition
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Range,Refrigerator,Washer

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 5

Features

  • Breakfast Bar,Built-in Features,Ceiling Fan(s),Double Vanity,Fiberglass Stall Shower,Granite Counters,Linen Closet,Open Floorplan,Primary Downstairs,Shower/Tub Combo,Vaulted Ceiling(s)
  • Window features: Low Emissivity Windows,Double Pane Windows,ENERGY STAR Qualified Windows,Vinyl Frames
  • Flooring: Carpet,Hardwood,Laminate,Vinyl
  • Fireplace features: Gas
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Fireplace(s),Ductless,Electric,Forced Air,Heat Pump,Natural Gas
  • Cooling features: Ductless,Heat Pump

Interior Area

  • Total structure area: 1,720
  • Total interior livable area: 2,790 sqft

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Accessible Doors,Accessible Entrance,Accessible Full Bath,Accessible Hallway(s)

Details

  • Parcel number: 10056219
  • Zoning description: R-2
  • Special condition: Standard
  • Exclusions: Tenants Personal Property

Features

  • Levels: One,Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Front Porch,Porch,See Remarks
  • Has view: Yes
  • View description: Mountain(s),Neighborhood,Territorial

Lot

  • Lot size: 8,712 sqft
  • Features: Corner Lot,Landscaped,Level,Native Plants

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Concrete,Detached,Driveway,On Street,Shared Driveway
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Winter Weather
Earthquake
Heat Wave
Inland Flooding
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 $4,879$58,548
Home Insurance *$243$2,916
Property Taxes $1,294$15,528
Electricity $253$3,038
Total$6,669$80,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$228,651/yr
40% on housing$200,070/yr
45% on housing$177,840/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

$346This listing

vs Other Active Listings

Avg $/sqft

ZIP 97520$342
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
2026-04-27Price change$965,000
2026-02-24Listed for sale$1,045,000
2019-05-20Listing removed$2,400
2019-04-11Listed for rent$2,400
2017-06-23Sold$295,000
2015-12-22Sold$275,000
2015-12-15Listed for sale$319,900
2015-10-14Listing removed$284,900
2015-10-02Listed for sale$284,900
2004-07-02Sold$304,500

For Sale by Agent

AgentPatricia Millen
BrokerageMillen Property Group

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