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290 Harbor St, Florence, OR, 97439

5beds
3baths
2,201sqft
$1,450,000
$659price/sqft
$9,516/moest. monthly cost
$380,640/yrincome needed

About This Home

“Available Fully Furnished” 5 Bed 3 Bath residence. Here is your opportunity to own a piece of history in Old Town Florence. This impeccably restored “1894” cottage has been the talk of the town. This 1 1/2 year long renovation has just been completed. Historic charm shines through with wainscoting-style shingled front porch and dormer siding, cedar porch ceilings, corbels, river rock stonework, and keystone block planters. Originally a 2 Bed 1 Bath home is now a well-designed 3 Bed, 2 Bath with 10’ ceilings and 8’ doors. No expense was spared, with hardwood floors, custom knotty alder cabinetry, knotty alder interior and exterior doors, with granite countertops throughout. A new 2 car garage was added with an overhead 2 Bed 1 Bath apartment connected by a cedar covered breezeway. The garage features an automatic roll-up door, epoxied floors, and NewAge cabinets. The apartment has its own entrance and separate electric meter, making it ideal for income generation. Both the main home and apartment have whole house ducted heating and air conditioning. Heated tile floors were installed in the home master Bath and apartment Bath. A complete alarm and camera system is included. Professionally installed hardscape landscaping with drip irrigation for minimal maintenance. The huge backyard offers approximately 4,000 sq ft of fenced usable space with compacted rock, new fencing, RV hookups and 33 arborvitae trees for privacy. This is essentially a brand-new custom home that preserves its “1894” character while offering all modern conveniences.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
73
BikeVery Bikeable

Schools

6/10
7/10
Siuslaw Middle SchoolGrades 6-81.3 mi
2/10
Siuslaw High SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1894

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Cement Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Range,Free-Standing Refrigerator,Microwave,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Upper

Bedroom5

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2

Features

  • Ceiling Fan(s),Granite,High Ceilings
  • Window features: Vinyl Frames
  • Flooring: Hardwood,Wall to Wall Carpet

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,201
  • Total interior livable area: 2,201 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0806156

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch
  • Exterior features: Yard
  • Has view: Yes
  • View description: City,Trees/Woods

Lot

  • Lot size: 0.25 Acres
  • Features: Cleared,Level,SqFt 10000 to 14999

Parking

  • Total spaces: 2
  • Parking features: Driveway,RV Access/Parking,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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Coastal Flooding
Lightning

FEMA Declared Disasters in Lane 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 $7,331$87,972
Home Insurance *$334$4,008
Property Taxes $1,652$19,824
Electricity $199$2,396
Total$9,516$114,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$326,262/yr
40% on housing$285,480/yr
45% on housing$253,760/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.4%
0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$659This listing

vs Other Active Listings

Avg $/sqft

ZIP 97439$228
Lane County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 97439$312
Lane 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
2026-04-23Price change$1,450,000
2026-01-16Price change$1,599,000
2026-01-06Listed for sale$1,650,000
2024-05-06Sold$450,000
2024-04-22Pending sale$475,000
2024-04-11Listed for sale$475,000
2022-04-26Sold$399,000
2022-03-29Pending sale$399,000
2022-03-24Listed for sale$399,000
2017-09-06Sold$200,000
2017-04-14Pending sale$200,000
2017-03-30Listed for sale$200,000
2015-06-05Sold$165,000
2010-05-04Listing removed$165,000
2008-10-24Sold$160,000
2008-07-01Listed for sale$165,000

For Sale by Agent

AgentTimothy Sapp
BrokerageTR Hunter Real Estate

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