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16523 Sprague Loop, La Pine, OR, 97739

2beds
2baths
1,512sqft
$305,000
$202price/sqft
$2,242/moest. monthly cost
$89,680/yrincome needed

About This Home

Lo Lazy River South, this 2-bedroom, 2-bath home offers both comfort and functionality on a private acre. The floor plan provides privacy, with the primary bedroom and second bedroom separated by a generous living area. Updated flooring, formal dining area welcomes gatherings, living room and family room have large windows that flood the home with natural light, creating a connection to the serene outdoor surroundings. Stay warm during cooler months with a wood stove, complemented by a covered wood storage area for added convenience. Laundry room with room for extra storage. Detached two-car garage provides ample storage and parking, all situated on a paved road for easy access. Backs almost 80 acres of private land giving a great sense of privacy.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

1/10
2/10
Lapine Middle SchoolGrades 6-85.3 mi
2/10
Lapine Senior High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Ranch
  • Property subType: Manufactured On Land,Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Kitchen Island,Primary Downstairs,Walk-In Closet(s)
  • Flooring: Carpet,Laminate,Vinyl
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,512
  • Total interior livable area: 1,512 sqft

Property

Details

  • Parcel number: 127166
  • Zoning description: RR10/WA
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.99 Acres
  • Features: Level

Parking

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Volcanic Activity
    Volcanic ActivityModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Earthquake
Hail
Volcanic Activity
Wildfire

FEMA Declared Disasters in Deschutes 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 $1,542$18,504
Home Insurance *$90$1,080
Property Taxes $434$5,208
Electricity $176$2,119
Total$2,242$26,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,868/yr
40% on housing$67,260/yr
45% on housing$59,786/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: 13.3%
13.3%
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

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 97739$367
Deschutes County$361

vs Homes Sold Last Month

Median $/sqft

ZIP 97739$283
Deschutes County$380

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)

No zestimate history available

Price History

DateEventPrice
2026-02-14Listed for sale$305,000
2026-02-04Pending sale$305,000
2025-09-30Price change$305,000
2025-08-26Listed for sale$319,000
2025-08-14Pending sale$319,000
2025-07-26Price change$319,000
2025-07-13Price change$329,000
2025-07-06Price change$339,000
2025-06-08Listed for sale$349,000

For Sale by Agent

AgentThesa L. Chambers
BrokerageNinebark Real Estate

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