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1125 SE COTTAGE Street, Ephrata, WA, 98823

3beds
1baths
1,198sqft
$269,000
$225price/sqft
$2,131/moest. monthly cost
$85,240/yrincome needed

About This Home

This Move-In Ready Home has been beautifully remodeled! 3-bedroom, 1-bath home is very well maintained and perfectly situated close to schools, Splash Zone water park, and shopping. This stucco home sits on a fully fenced lot, has a private patio area, a back gate off the alley to access the back yard for extra parking, and a spacious storage shed. This home would be perfect for first time buyers!

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
Parkway SchoolGrades 5-60.5 mi
4/10
Ephrata Middle SchoolGrades 7-80.3 mi
3/10
Ephrata High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1954

Materials

  • Foundation: Poured Concrete
  • Roof: Metal
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story w/Bsmnt.
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Microwave(s),Refrigerator(s)

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Ceiling Fan(s),Dining Room
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Baseboard,Wall Furnace,Electric
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,198
  • Total interior livable area: 1,198 sqft

Property

Details

  • Parcel number: 140718000
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Ceiling Fan(s),Dining Room
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level

Lot

  • Lot size: 5,000 sqft
  • Features: Paved,Cable TV,Fenced-Fully,High Speed Internet,Outbuildings,Patio

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Uncovered 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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Heat Wave
Inland Flooding
Lightning
Wildfire
Winter Weather

FEMA Declared Disasters in Grant 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 $1,360$16,320
Home Insurance *$102$1,224
Property Taxes $520$6,240
Electricity $149$1,793
Total$2,131$25,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,062/yr
40% on housing$63,930/yr
45% on housing$56,826/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: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.0%
0.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 98823$156
Grant County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 98823$219
Grant County$235

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
2026-06-02Listed for sale$269,000
2020-09-04Sold$104,500
2020-06-17Pending sale$109,900
2020-05-18Listed for sale$109,900
2020-03-11Sold$61,065

For Sale by Agent

AgentMarc R. Petersen
BrokerageClear Choice Realty

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