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1645 3rd St, Columbia City, OR, 97018

3beds
3baths
2,664sqft
$450,000
$169price/sqft
$3,211/moest. monthly cost
$128,440/yrincome needed

About This Home

Located in a quiet Colombia City neighborhood, just a 6 minute walk to the Columbia River and an 8 minute walk to the elementary school, this 3 bedroom 2.5 bathroom, open-plan home is perfect for a peaceful day at home or hosting 30+ people. The spacious kitchen is equipped with ample storage, large countertops, and brand new appliances (2025). The newly refurbished deck looks out onto the property’s two cherry trees, and is perfect for enjoying sunny days. The two car garage is perfect for extra space or kids to play in when it’s raining, and is even tall enough for a basketball hoop. From the roomy master suite you’ll be able to see ships sailing by on the river and Mt. Hood. A new furnace was also installed in 2025.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

1/10
St Helens Middle SchoolGrades 6-81.7 mi
5/10
St Helens High SchoolGrades 9-122.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2007

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential,Single Family Residence

Interior

Appliances

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

Basement

  • Basement: Crawl Space,None

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • Partial bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Granite,Kitchen Island,Pantry
  • Window features: Double Pane Windows
  • Flooring: Laminate,Wall to Wall Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Air Conditioning Ready

Interior Area

  • Total structure area: 2,664
  • Total interior livable area: 2,664 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 14617

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River

Lot

  • Features: SqFt 7000 to 9999

Parking

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

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Cold Wave
Earthquake
Landslide
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Columbia 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 $2,275$27,300
Home Insurance *$84$1,008
Property Taxes $611$7,332
Electricity $241$2,901
Total$3,211$38,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,091/yr
40% on housing$96,330/yr
45% on housing$85,626/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: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 97018$240
Columbia County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 97018$274
Columbia County$277

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
2026-03-11Listed for sale$499,000
2024-09-12Sold$455,000
2024-08-03Pending sale$449,900
2020-04-16Listing removed$2,195
2020-01-07Price change$2,195
2019-12-03Listed for rent$2,350
2012-12-08Listing removed$1,550
2012-11-01Listed for sale$1,550

For Sale by Agent

AgentMindy Baker
BrokerageArk Real Estate

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