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319 E Union Street, Centralia, WA, 98531

4beds
2baths
1,718sqft
$399,000
$232price/sqft
$2,571/moest. monthly cost
$102,840/yrincome needed

About This Home

This is a rare opportunity to own a beautiful home and property! This four-bedroom, one-and-a-half-bath home has been meticulously maintained by a carpenter and an exceptional gardener, showcasing quality craftsmanship and stunning outdoor spaces. Offering 1,718 square feet of living space on a large lot, this home provides both comfort and character.Enjoy the beautiful backyard from your covered deck, or relax to the soothing sound of water flowing from two charming water features. The large living room features a built-in gas fireplace, while the family room offers a classic wood-burning stove for cozy evenings.The kitchen boasts plenty of storage and counter space, along with a built-in dining table and bench seating—perfect for everyday living and just relaxing. Full of history and warmth, this special home is ready to continue its legacy with you.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

4/10
Centralia Middle SchoolGrades 7-82.1 mi
5/10
Centralia High SchoolGrades 9-122.7 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1925

Materials

  • Foundation: Poured Concrete
  • Roof: Composition,Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 1/2 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater: Electric,Water Heater Location: Closet by W/D

Basement

  • Basement: None

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Main

Features

  • Dining Room
  • Window features: Dbl Pane/Storm Window
  • Flooring: Hardwood,Laminate,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Gas,Wood Burning,Main Level: 2,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Heat Pump,Electric,Natural Gas
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,718
  • Total interior livable area: 1,718 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 003682025000
  • Zoning: City
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,Dining Room,Fireplace,Security System,Walk-In Closet(s),Water Heater
  • Topography of land: Level

Lot

  • Lot size: 0.25 Acres
  • Features: Corner Lot,Paved,Cable TV,Deck,Fenced-Partially,Gas Available,High Speed Internet,Outbuildings,Shop
  • Lot size dimensions: 102 x 107

Parking

  • Total spaces: 6
  • Parking features: Attached Carport,Driveway,Detached Garage
  • Has garage: Yes
  • Covered spaces: 4
  • Uncovered spaces: 2
  • Carport: 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave

FEMA Declared Disasters in Lewis County and Washington

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 $2,017$24,204
Home Insurance *$120$1,440
Property Taxes $285$3,420
Electricity $149$1,793
Total$2,571$30,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,148/yr
40% on housing$77,130/yr
45% on housing$68,560/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

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: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 98531$176
Lewis County$214

vs Homes Sold Last Month

Median $/sqft

ZIP 98531$267
Lewis County$281

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
2026-04-16Listed for sale$439,900

For Sale by Agent

AgentMichael Anderson
BrokerageJohn L. Scott CNT

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