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115 NW 9th St, McMinnville, OR, 97128

4beds
2baths
1,457sqft
$399,000
$274price/sqft
$2,880/moest. monthly cost
$115,200/yrincome needed

About This Home

Charming 4-bedroom cottage full of character in the heart of McMinnville! This 1,457 SF home features beautiful wood floors, a main-level primary bedroom, a heat pump for year-round comfort, and a bright, functional layout. Enjoy the fenced backyard with garden space, a workshop, and detached garage—perfect for hobbies, storage, or extra workspace. Conveniently located near downtown, parks, schools, and local amenities. A wonderful opportunity to make this classic home your own!

Getting Around

87
WalkingVery Walkable
28
TransitSome Transit
73
BikeVery Bikeable

Schools

9/10
8/10
Duniway Middle SchoolGrades 6-80.5 mi
9/10
Mcminnville High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1936

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Refrigerator,Washer/Dryer,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • Partial bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Window features: Wood Frames
  • Flooring: Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 1,457
  • Total interior livable area: 1,457 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Parking,Walkin Shower,Accessibility

Details

  • Parcel number: 147451

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Garden,Yard
  • Fencing: Fenced
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 5,009 sqft
  • Features: Level,SqFt 5000 to 6999

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Heat Wave

FEMA Declared Disasters in Yamhill County and Oregon

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 $2,017$24,204
Home Insurance *$94$1,128
Property Taxes $593$7,116
Electricity $176$2,119
Total$2,880$34,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,742/yr
40% on housing$86,400/yr
45% on housing$76,800/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$274This listing

vs Other Active Listings

Avg $/sqft

ZIP 97128$230
Yamhill County$312

vs Homes Sold Last Month

Median $/sqft

ZIP 97128$297
Yamhill County$301

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
2026-08-14Listed for sale$399,000

For Sale by Agent

AgentBlanca Gonzalez
BrokerageMORE Realty

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