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138 Santiam St, Gates, OR, 97346

3beds
2baths
2,089sqft
$848,750
$406price/sqft
$5,783/moest. monthly cost
$231,320/yrincome needed

About This Home

Escape to your private riverfront retreat on the scenic Santiam River! This new, beautifully designed home blends rustic elegance with modern comfort, featuring exposed beam ceilings, generous room sizes, and abundant natural light. The stunning great room showcases a wall of windows framing serene river views, while the kitchen is perfectly designed for gatherings large and small. Escape to your private riverfront retreat on the scenic Santiam River! This new, beautifully designed home blends rustic elegance with modern comfort, featuring exposed beam ceilings, generous room sizes, and abundant natural light. The stunning great room showcases a wall of windows framing serene river views, while the kitchen is perfectly designed for gatherings large and small. Move outside onto the massive (approx 750 sq ft) deck to relax or entertain above the water’s edge. Every detail has been thoughtfully crafted, from the spa-like primary ensuite to the seamless indoor-outdoor flow. The garage is equipped with 240v 50-amp, so it's ready for your high speed EV charger. Pllenty room for RV or boat parking. Gates is short-term rental friendly, so this property offers exceptional potential for personal enjoyment or income. Just 12 miles from Detroit Lake where you can enjoy boating adventures and world-class Kokanee fishing. A truly special sanctuary designed for comfort, style, and connection with nature. You've found your Ahhhhhh.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

7/10

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Continuous
  • Roof: Composition,Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Convection Oven,Electric Range,Microwave,Range Included,Electric Water Heater
  • Laundry features: Main Level

Bedroom2

  • Level: Main
  • Area: 176

Bedroom3

  • Level: Main
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Dining Room

  • Features: Area (Combination)
  • Level: Main
  • Area: 110

Features

  • Loft,Smart Home
  • Fireplace features: Living Room,Propane
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Heat Pump,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,089
  • Total interior livable area: 2,089 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 285

Master Bedroom

  • Level: Upper
  • Area: 224

Property

Details

  • Parcel number: 598848
  • Zoning: R

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: Brown
  • Has view: Yes
  • View description: Territorial
  • Has water view: Yes
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 0.49 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Volcanic Activity
    Volcanic ActivityModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Landslide
Strong Wind
Volcanic Activity
Winter Weather

FEMA Declared Disasters in Marion 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 $4,291$51,492
Home Insurance *$322$3,864
Property Taxes $981$11,772
Electricity $189$2,274
Total$5,783$69,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,274/yr
40% on housing$173,490/yr
45% on housing$154,213/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: 6.7%
6.7%
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

$406This listing

vs Other Active Listings

Avg $/sqft

ZIP 97346$326
Marion County$230

vs Homes Sold Last Month

Median $/sqft

ZIP 97346$323
Marion County$278

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
2026-04-20Price change$848,750
2026-02-19Listed for sale$875,000
2025-12-20Listing removed$875,000
2025-11-12Listed for sale$875,000
2017-09-26Sold$347,000
2017-09-13Pending sale$360,000
2017-03-21Listed for sale$360,000
2003-10-31Sold$166,125

For Sale by Agent

AgentPAULA BROTHERTON
BrokeragePremiere Property Group, Llc Eugene

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