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520 SE 1st St, McMinnville, OR, 97128

4beds
2baths
2,625sqft
$549,500
$209price/sqft
$3,962/moest. monthly cost
$158,480/yrincome needed

About This Home

Just blocks from Historic Downtown McMinnville, this charming 1920s Craftsman has been thoughtfully updated while preserving the timeless character that makes it so special. A spacious kitchen, generous living and dining areas, warm wood floors, and a cozy wood-burning fireplace create an inviting place to gather. Large picture windows overlook the backyard, and the expansive deck is perfect for entertaining or relaxing outdoors. The main level offers a bedroom and full bath, while upstairs you’ll find three additional bedrooms and an updated full bath. Enjoy being just minutes from downtown shops, restaurants, tasting rooms, parks, and everything Historic Downtown McMinnville has to offer.

Getting Around

92
WalkingWalker's Paradise
30
TransitSome Transit
47
BikeSomewhat Bikeable

Schools

4/10
Sue Buel ElementaryGrades K-51.0 mi
8/10
Duniway Middle SchoolGrades 6-80.8 mi
9/10
Mcminnville High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1920

Materials

  • Roof: Composition,Membrane
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Range,Free-Standing Refrigerator,Stainless Steel Appliance(s),Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom2

  • Features: Ceiling Fan,Closet, Wood Floors
  • Level: Upper
  • Area: 130

Bedroom3

  • Features: Ceiling Fan,Closet, Wood Floors
  • Level: Upper
  • Area: 120

Bedroom4

  • Features: Bookcases,Closet, Wood Floors
  • Level: Main
  • Area: 110

Bedrooms & Bathrooms

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

Dining Room

  • Features: Builtin Features,Wood Floors
  • Level: Main

Features

  • Ceiling Fan(s),Bookcases,Closet,Built-in Features,Eat-in Kitchen,Cook Island,Tile
  • Window features: Double Pane Windows,Vinyl Frames
  • Flooring: Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,625
  • Total interior livable area: 2,625 sqft

Kitchen

  • Features: Builtin Features, Eating Area,Wood Floors
  • Level: Main
  • Area: 342

Living Room

  • Features: Fireplace,Wood Floors
  • Level: Main
  • Area: 322

Master Bedroom

  • Features: Ceiling Fan,Closet, Wood Floors
  • Level: Upper
  • Area: 130

Property

Details

  • Parcel number: 163414

Features

  • Stories: 3
  • Patio & porch: Deck
  • Exterior features: Yard
  • Fencing: Fenced

Lot

  • Features: Level,SqFt 5000 to 6999

Parking

  • Parking features: Driveway,On 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
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Ice Storm
Strong Wind

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 $2,778$33,336
Home Insurance *$130$1,560
Property Taxes $816$9,792
Electricity $238$2,858
Total$3,962$47,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,840/yr
40% on housing$118,860/yr
45% on housing$105,653/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

$209This 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
2026-07-01Listed for sale$549,500
2017-02-27Sold$385,000
2016-12-30Pending sale$385,000
2016-12-23Listed for sale$385,000
2013-10-04Sold$312,000
2013-06-29Price change$319,900
2013-05-06Price change$339,900
2013-04-02Listed for sale$349,900
2009-09-04Sold$319,000

For Sale by Agent

AgentHeidi Hyder
BrokerageColdwell Banker Professional

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