1540 NW 20th St, Lincoln City, OR, 97367
About This Home
Introducing this charming 2 bedroom, 1 bathroom coastal cottage located in the heart of Lincoln City. This home is being sold fully furnished and features a single car detached garage. The large yard is great for relaxing, entertaining, gardening, and perfect for any nature lover. Conveniently located a few blocks from the beach, within walking distance of shops, entertainment and restaurants, while everything else Lincoln City has to offer is just a short drive away. To top it off, the OP-MSH zoning permits commercial, retail, STR (No Waitlist)- making it perfect for a full-time residence, personal vacation retreat, or a brilliant investment opportunity! Buyer to verify with LC Planning Department.
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1930
Materials
- Foundation: Concrete Perimeter
- Roof: Composition
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Electric Oven,Electric Range,Microwave,Refrigerator,Washer,Water Heater
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
Features
- Window features: Window Treatments
- Flooring: Carpet
Heating
- Heating features: Electric,Wall Furnace
Interior Area
- Total structure area: 768
- Total interior livable area: 768 sqft
Property
Details
- Parcel number: 071110DB850000
- Zoning description: OP-MSH Main Street Highway
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Patio
Lot
- Lot size: 4,791 sqft
Parking
- Total spaces: 1
- Parking features: Detached Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Ice Storm
- Coastal Flooding
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in Lincoln County and Oregon
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,017 | $24,204 |
| Home Insurance * | $90 | $1,080 |
| Property Taxes | $550 | $6,600 |
| Electricity | $176 | $2,119 |
| Total | $2,833 | $33,996 |
Income You'd Need if You Spent...
Oregon FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-31 | Price change | $399,000 |
| 2025-10-08 | Listed for sale | $415,000 |
| 2025-04-24 | Sold | $402,500 |
| 2025-03-21 | Pending sale | $415,000 |
| 2024-09-17 | Listed for sale | $415,000 |
| 2018-08-06 | Sold | $179,000 |
| 2018-06-07 | Pending sale | $189,000 |
| 2018-05-22 | Price change | $189,000 |
| 2015-11-20 | Pending sale | $149,900 |
| 2015-06-30 | Listed for sale | $149,900 |
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