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3401 NE Yacht Ave, Lincoln City, OR, 97367

3beds
2baths
2,024sqft
$625,000
$309price/sqft
$4,352/moest. monthly cost
$174,080/yrincome needed

About This Home

Stunning Devil's Lake waterfront location. Attractive lakefront view home with gleaming oak wood floors & tile accents, ready for your updates. Main floor fireplace has insert, roomy unfinished basement with two lake view rooms plus a big utility room, too. Residential Multifamily (R-M) zoning allows for higher density. Possible seller financing with a very significant downpayment.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
6/10
Taft Middle SchoolGrades 7-83.9 mi
3/10
Taft High SchoolGrades 9-123.7 mi

Construction

Condition

  • Year built: 1956

Materials

  • Foundation: Continuous
  • Roof: Composition
  • Construction materials: Shake Siding,T111

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Built-In Range,Electric Water Heater
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedroom2

  • Level: Main
  • Area: 130

Bedroom3

  • Level: Main
  • Area: 132

Bedrooms & Bathrooms

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

Dining Room

  • Features: Area (Combination)
  • Level: Main
  • Area: 100

Family Room

  • Area: 264

Features

  • Flooring: Carpet,Wood,Tile
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: Electric,Baseboard

Interior Area

  • Total structure area: 2,024
  • Total interior livable area: 2,024 sqft

Kitchen

  • Level: Main
  • Area: 90

Living Room

  • Level: Main
  • Area: 264

Master Bedroom

  • Level: Main
  • Area: 216

Property

Details

  • Parcel number: 071102DC0040000
  • Zoning: RM

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Green
  • Has water view: Yes
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 0.33 Acres
  • Features: Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Earthquake
    EarthquakeVery High
  • Ice Storm
    Ice StormRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Ice Storm
Coastal Flooding
Inland Flooding

FEMA Declared Disasters in Lincoln 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 $3,160$37,920
Home Insurance *$141$1,692
Property Taxes $868$10,416
Electricity $183$2,204
Total$4,352$52,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,211/yr
40% on housing$130,560/yr
45% on housing$116,053/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$309This listing

vs Other Active Listings

Avg $/sqft

ZIP 97367$315
Lincoln County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 97367$344
Lincoln County$331

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
2026-04-25Price change$650,000
2026-04-03Price change$675,000
2026-03-02Listed for sale$699,900
2023-09-13Listing removed--
2023-08-24Price change$725,000
2023-06-12Listed for sale$750,000
2021-03-24Listing removed--
2021-01-04Listed for sale$850,000
2012-01-11Listing removed$550,000
2011-09-23Listed for sale$550,000

For Sale by Agent

AgentROY WIDING
BrokerageCertified Realty Co

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