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1320 E Main St, Medford, OR, 97504

5beds
2baths
2,348sqft
$549,000
$234price/sqft
$3,806/moest. monthly cost
$152,240/yrincome needed

About This Home

Step back in time with this exquisite historic Victorian home, built in 1890 the second oldest home in Medford-a true piece of Southern Oregon history. ALL furniture, appliances & decor included in sale. Meticulously maintained & brimming with timeless character, house is 2,348 sq ft + basement is 480 sq ft. this treasure sits on a generous 0.28 acre lot with stunning, mature landscaping that creates a private oasis of tranquility.A private garden in the back of the home that leads to a screened in porch. Inside the home Soaring 9-foot ceilings, elegant crown molding, classic wainscoting and gleaming original hardwood floors showcase the craftsmanship throughout the spacious layout. Downstairs a beautiful updated kitchen with marble counters, Bluestar gas range, pantry. Dinning room w/ built in cabinets. Living room has a fireplace and 1 bedroom downstairs & half bath & 4 bedrooms upstairs with a full bath.Updated HVAC,new sewer lines.Selling under appraised value. VIEW VIDEO!

Getting Around

66
WalkingSomewhat Walkable
30
TransitSome Transit
42
BikeSomewhat Bikeable

Schools

4/10
3/10
Hedrick Middle SchoolGrades 6-80.3 mi
7/10
North Medford High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Stone
  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven,Range,Refrigerator,Washer,Water Heater

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2

Features

  • Pantry,Stone Counters
  • Window features: Wood Frames
  • Flooring: Hardwood
  • Fireplace features: Electric,Family Room,Living Room,Primary Bedroom,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,348
  • Total interior livable area: 2,348 sqft

Property

Details

  • Parcel number: 10365834
  • Zoning description: SFR-6
  • Special condition: Standard
  • Exclusions: Sewing machine & desk in dinning room

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch,Screened
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.28 Acres
  • Features: Landscaped,Sprinkler Timer(s),Sprinklers In Front,Sprinklers In Rear

Parking

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

  • Earthquake
    EarthquakeRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Winter Weather
Heat Wave
Inland Flooding

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 $2,776$33,312
Home Insurance *$133$1,596
Property Taxes $684$8,208
Electricity $213$2,557
Total$3,806$45,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,491/yr
40% on housing$114,180/yr
45% on housing$101,493/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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 97504$256
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
2026-04-14Price change$549,000
2026-03-13Price change$579,000
2026-02-02Listed for sale$599,000
2022-01-14Sold$539,500
2021-12-04Pending sale$549,500
2021-11-09Price change$549,500
2021-09-08Price change$595,000
2021-08-19Listed for sale$650,000
2005-03-03Sold$400,000
2002-05-10Sold$245,000

For Sale by Agent

AgentJulia A McCue
BrokerageBradley Realty

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