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37409 Deerford Ln, Chiloquin, OR, 97624

3beds
3baths
2,357sqft
$519,000
$220price/sqft
$3,461/moest. monthly cost
$138,440/yrincome needed

About This Home

Mindful & serene living with 360 degree views of the Cascades, Crater Lake Park, Agency Lake and Pelican Ridge! This custom 2,357 sq ft, 3 bedroom, 3 bathroom home sits atop a hill on 1.57 acres. It offers ample living and storage space, including a possible 4th bedroom and loft with views galore. Lopi pellet stove, certified Defiant wood stove and heat pump ensure you'll enjoy comfortable living no matter the season! Oil-fired boiler supplies radiant floor heat, as well as hot water throughout the home. Solar assist water heater provides all of the hot water from early spring to late fall. Wired into an auto disconnect service panel is a 7kw Generac Guardian back-up generator. 2 car garage on the lowest level of the home, PLUS a fully wired shop with 100-amp panel, 220, full bathroom, forced air and wood stove for heat, and two exterior 30-amp RV hook-ups. From the deck or yard, you'll enjoy the well manicured yard, abundant wildlife and incredible sunsets. Apple, pear and plum trees

Getting Around

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

Schools

4/10
2/10
Chiloquin High SchoolGrades 7-122.9 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Concrete Perimeter,Slab,Stemwall
  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Instant Hot Water,Dishwasher,Disposal,Dryer,Microwave,Oven,Range,Refrigerator,Solar Hot Water,Washer,Water Heater

Basement

  • Has basement: Yes
  • Basement: Daylight,Exterior Entry,Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3

Features

  • Ceiling Fan(s),Dry Bar,Fiberglass Stall Shower,Linen Closet,Open Floorplan,Pantry,Primary Downstairs,Shower/Tub Combo,Soaking Tub,Vaulted Ceiling(s),Walk-In Closet(s),Wet Bar,Wired for Data
  • Window features: Double Pane Windows
  • Flooring: Carpet,Tile
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Ductless,Electric,Heat Pump,Hot Water,Oil,Pellet Stove,Solar,Wood
  • Cooling features: Heat Pump,Whole House Fan,Zoned

Interior Area

  • Total structure area: 2,357
  • Total interior livable area: 2,357 sqft

Property

Details

  • Parcel number: R228499
  • Zoning description: R2
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck
  • Exterior features: RV Hookup
  • Spa features: Bath
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),Lake,Panoramic
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 1.57 Acres
  • Features: Garden,Landscaped,Sprinkler Timer(s),Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 4
  • Parking features: Attached,Driveway,Garage Door Opener,Gated,Gravel,Heated Garage,RV Access/Parking,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Winter Weather
Cold Wave
Earthquake

FEMA Declared Disasters in Klamath 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 $2,624$31,488
Home Insurance *$218$2,616
Property Taxes $406$4,872
Electricity $213$2,566
Total$3,461$41,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,662/yr
40% on housing$103,830/yr
45% on housing$92,293/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: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 97624$249
Klamath County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 97624$192
Klamath County$207

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
2025-10-22Listed for sale$529,000
2025-08-25Listing removed$560,000
2025-06-17Price change$560,000
2025-03-30Listed for sale$577,000
2025-02-05Listing removed$589,000
2024-08-22Listed for sale$589,000
2021-08-19Sold$425,000
2021-01-01Listing removed--
2020-09-05Price change$469,900
2020-06-10Price change$477,900
2019-07-10Listed for sale$519,000
2004-07-22Sold$22,000

For Sale by Agent

AgentLauren Horn
BrokerageFisher Nicholson Realty, LLC

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