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295 Wolf Valley Dr, Umpqua, OR, 97486

2beds
1baths
1,097sqft
$519,900
$474price/sqft
$3,282/moest. monthly cost
$131,280/yrincome needed

About This Home

Escape to your own private country retreat in beautiful Umpqua, Oregon! Built in 2021, this thoughtfully designed 2-bedroom custom home offers modern comfort, quality finishes, and complete privacy in a truly special setting.The open-concept floor plan features 9-foot ceilings and luxury vinyl plank flooring throughout. The well-appointed kitchen features granite countertops, custom soft-close cabinetry, a pantry, stainless steel appliances, a freestanding 5-burner gas range, and an eating bar—perfect for entertaining or everyday living. Mini-split heating and cooling provide year-round comfort.Enjoy peaceful mornings and spectacular mountain views from the front and back decks. Outside you’ll find a fire pit, garden area, pear, apple, cherry, and plum trees, a new UV water filtration system, and several outbuildings, including a charming guest cabin.As an added bonus, the property includes a 1/28th shared ownership interest in 2 private acres on the world-famous Main Umpqua River. Enjoy access for fishing, boating, swimming, rafting, kayaking, paddle boarding, and more!Tucked away from it all, this one-of-a-kind property offers the perfect combination of privacy, recreation, and modern living in one of Southern Oregon’s most treasured locations. call for your private tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
Oakland Elementary SchoolGrades K-413.2 mi
5/10
Lincoln Middle SchoolGrades 5-813.2 mi
7/10
Oakland High SchoolGrades 9-1213.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Lap Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom Style
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Gas Range,Free-Standing Refrigerator,Range Hood,Stainless Steel Appliance(s),Gas Appliances,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedroom2

  • Features: Ceiling Fan,Closet
  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Features: Ceiling Fan
  • Level: Main

Features

  • Ceiling Fan(s),Granite,High Ceilings,Closet,Eat Bar,Double Closet,Pantry
  • Window features: Double Pane Windows,Vinyl Frames
  • Flooring: Luxury Vinyl Plank

Heating

  • Heating features: Mini Split

Interior Area

  • Total structure area: 1,097
  • Total interior livable area: 1,097 sqft

Kitchen

  • Features: Eat Bar, Gas Appliances,Free Standing Refrigerator, Granite
  • Level: Main

Living Room

  • Features: Ceiling Fan
  • Level: Main

Master Bedroom

  • Features: Ceiling Fan,Double Closet
  • Level: Main

Property

Accessibility

  • Accessibility features: One Level,Utility Room On Main,Accessibility

Details

  • Parcel number: R13568
  • Zoning: 5R

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Fire Pit,RV Hookup,Yard
  • Has view: Yes
  • View description: Creek/Stream,Mountain(s),Trees/Woods
  • Has water view: Yes
  • Water view: Creek/Stream
  • On waterfront: Yes
  • Waterfront features: River Front,Stream
  • Waterbody name: Main Umpqua River

Lot

  • Lot size: 5.41 Acres
  • Features: Gentle Sloping,Level,Sloped,Acres 5 to 7

Parking

  • Total spaces: 1
  • Parking features: Driveway,RV Access/Parking,Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
Wildfire
Winter Weather

FEMA Declared Disasters in Douglas 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 $2,628$31,536
Home Insurance *$171$2,052
Property Taxes $307$3,684
Electricity $176$2,119
Total$3,282$39,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,525/yr
40% on housing$98,460/yr
45% on housing$87,520/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$474This listing

vs Other Active Listings

Avg $/sqft

ZIP 97486$1,028
Douglas County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 97486$268
Douglas County$232

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
2026-08-03Listed for sale$519,900
2022-10-11Sold$474,000
2022-09-15Pending sale$499,000
2022-08-19Price change$499,000
2022-08-07Price change$535,000
2022-08-03Price change$569,000
2022-07-22Price change$554,000
2022-07-01Price change$599,000
2022-06-15Listed for sale$649,000
2019-01-07Listing removed$235,000
2018-09-19Price change$235,000
2018-09-07Listed for sale$245,000
1993-10-01Sold$65,000

For Sale by Agent

AgentJennifer Kramer
BrokerageRE/MAX Integrity

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