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515 Baltimore St, Elgin, OR, 97827

3beds
1baths
1,333sqft
$279,000
$209price/sqft
$2,199/moest. monthly cost
$87,960/yrincome needed

About This Home

Come see this 3-bedroom home with all of its new updates throughout showing pride of ownership! Move in ready! New roof, new double pane vinyl windows, new paint, new flooring, new bathroom fixtures! The kitchen has new cork flooring and new tile counter tops and back splash to go with all new kitchen Stainless steel appliances! Washer and dryer included! Beautiful, large corner lot location in Elgin with lots of shade trees and fruit trees in a quiet neighborhood. Enjoy making memories around the back yard fire pit in this large fully fenced yard! Tool shed for all of your garden tools or more storage! There is also a Bonus family room leading to the covered deck out the sliding glass door to the secluded back yard! Partial unfinished basement for extra storage! Too much to list! Come see it today!

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

2/10
Elgin High SchoolGrades 7-120.5 mi

Construction

Condition

  • Property condition: Restored
  • Year built: 1940

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Range,Free-Standing Refrigerator,Range Hood,Washer/Dryer,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Door features: Storm Door(s)
  • Window features: Double Pane Windows,Vinyl Frames
  • Flooring: Laminate,Vinyl,Wall to Wall Carpet

Heating

  • Heating features: Mini Split

Interior Area

  • Total structure area: 1,333
  • Total interior livable area: 1,333 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

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

Details

  • Parcel number: 12672
  • Zoning: EL-R

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered Patio
  • Exterior features: Fire Pit,Yard
  • Fencing: Fenced
  • Has view: Yes
  • View description: Mountain(s),Seasonal,Trees/Woods

Lot

  • Lot size: 10,018 sqft
  • Features: Corner Lot,Level,Seasonal,Trees,SqFt 10000 to 14999
  • Lot size dimensions: 100 x 100

Parking

  • Parking features: Driveway,Off Street,Carport
  • 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

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Ice Storm
    Ice StormRelatively High
  • Wildfire
    WildfireRelatively High
  • Avalanche
    AvalancheModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Ice Storm
Wildfire
Avalanche
Heat Wave
Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters in Union 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 $1,410$16,920
Home Insurance *$194$2,328
Property Taxes $419$5,028
Electricity $176$2,119
Total$2,199$26,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,394/yr
40% on housing$65,970/yr
45% on housing$58,640/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: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$209This listing

vs Other Active Listings

Avg $/sqft

ZIP 97827$288
Union County$214

vs Homes Sold Last Month

Median $/sqft

ZIP 97827$165
Union County$175

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
2026-07-17Listed for sale$279,000
2022-09-16Sold$190,000
2022-08-09Pending sale$209,000
2022-07-22Listed for sale$209,000
2018-08-28Listing removed$124,900
2018-08-20Listed for sale$124,900
2018-08-08Pending sale$124,900
2018-07-20Listed for sale$124,900
2006-12-27Sold$85,575

For Sale by Agent

AgentRoger Hutson
BrokerageValley Realty

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