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265 N 4th Ave, Elgin, OR, 97827

3beds
1baths
1,196sqft
$239,000
$200price/sqft
$1,909/moest. monthly cost
$76,360/yrincome needed

About This Home

New lower price! This home in Elgin is in a great location and is move in ready! Come see this 3-bedroom 1-bath home with 1196 Sf. Walk into the roomy living area with a cozy gas stove and gaze out the oversize front room picture window as the seasons change! On an oversized corner lot with .36 acres, the home comes with a detached oversized 2 car garage or shop with an auto roll up door and plenty of storage space! Lots of room for that large garden spot for the avid gardener! Lot may be dividable for many possibilities, or room for a new large shop (buyer due diligence with plans)! Bring your ideas for updating and renewing this wonderful home or move right on in. Located in a quiet part of Elgin 1 block from the Grande Ronde River. Don't miss this opportunity!

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

2/10
Elgin High SchoolGrades 7-120.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1915

Materials

  • Foundation: Block,Concrete Perimeter
  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Free-Standing Range,Gas Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

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

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,196
  • Total interior livable area: 1,196 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Approachwith Ramp,Accessible Full Bath,Natural Lighting,One Level,Utility Room On Main,Accessibility,Handicap Access

Details

  • Parcel number: 12677
  • Zoning: EL-R

Features

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

Lot

  • Lot size: 0.36 Acres
  • Features: Level,Seasonal,SqFt 15000 to 19999
  • Lot size dimensions: 125 x 125

Parking

  • Total spaces: 2
  • Parking features: Driveway,RV Access/Parking,Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • 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 $1,208$14,496
Home Insurance *$166$1,992
Property Taxes $359$4,308
Electricity $176$2,119
Total$1,909$22,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,451/yr
40% on housing$57,270/yr
45% on housing$50,906/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 97827$290
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)

No zestimate history available

Price History

DateEventPrice
2025-09-23Listed for sale$239,000
2025-08-25Pending sale$239,000
2025-03-12Price change$239,000
2024-09-10Listed for sale$249,000
2005-12-01Sold$68,100

For Sale by Agent

AgentRoger Hutson
BrokerageValley Realty

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