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640 N Garden Way, Eugene, OR, 97401

1beds
2baths
504sqft
$315,000
$625price/sqft
$2,345/moest. monthly cost
$93,800/yrincome needed

About This Home

Starter home opportunity close to Autzen Stadium. This affordable home is full of potential and features a ductless heating and cooling system for year-round comfort. The detached bonus space offers added flexibility with an additional bathroom and kitchenette, making it ideal for storage, guests, hobbies, workspace, or other creative uses. Perfect for first-time buyers, college students looking to house hack, or anyone seeking an affordable home in a convenient location. Enjoy the large backyard with plenty of room for entertaining, gardening, pets, or outdoor activities. Opportunities this close to Autzen Stadium don’t come around often.

Getting Around

58
WalkingSomewhat Walkable
36
TransitSome Transit
84
BikeVery Bikeable

Schools

7/10
Holt Elementary SchoolGrades K-50.2 mi
3/10
Monroe Middle SchoolGrades 6-80.8 mi
6/10
Sheldon High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Approximately
  • Year built: 1940

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Cement Siding,Lap Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range,Free-Standing Refrigerator,Electric Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2

Features

  • High Ceilings
  • Window features: Vinyl Frames
  • Flooring: Laminate

Heating

  • Heating features: Ductless

Interior Area

  • Total structure area: 504
  • Total interior livable area: 504 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 1531092
  • Zoning: R-1

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 6,098 sqft
  • Features: Level,SqFt 5000 to 6999

Parking

  • Parking features: Driveway,Off Street
  • 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
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

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 $1,592$19,104
Home Insurance *$63$756
Property Taxes $514$6,168
Electricity $176$2,119
Total$2,345$28,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,400/yr
40% on housing$70,350/yr
45% on housing$62,533/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

$625This listing

vs Other Active Listings

Avg $/sqft

ZIP 97401$267
Lane County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 97401$313
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
2026-04-24Listed for sale$329,000
2022-06-28Sold$329,000
2021-05-30Listing removed--
2021-05-27Listed for rent$1,695
2021-03-09Sold$222,900
2001-12-28Sold$47,722
1997-10-29Sold$50,000

For Sale by Agent

AgentJoshua Glaspie
BrokerageICON Real Estate Group

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