4 bd • 2 ba • 1,998 sq ft
20984 S FERGUSON RD, Oregon City, OR 97045
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- Bedrooms
- 4
- Total Baths
- 2
- Building Area
- 1,998 sq ft
- Price/Sq Ft
- $317/sq ft
- Year Built
- 1971
- Garage
- 1 space · Attached
- County
- Clackamas
- Annual Tax
- $4,180 (2025)
- HOA
- None
- Days on Market
- 6 days
- Open House
- None scheduled
Monthly payment
$4,346 per month
- Principal & interest$3,865
- Property taxes$348
- HOA dues$0
- Home insurance$132
- Utilities$0
10% down · 30-year fixed · 7.18% rate · 7.281% APR (est.)
Rate: Freddie Mac weekly average, as of 11/05/2026. Estimate by Shawn Realty, not RMLS data.
Estimate by Shawn Realty, not RMLS data.
- Interest rate: 7.18% (7.281% APR, estimated). Rate: Freddie Mac weekly average, as of 11/05/2026.
- Down payment: 10% ($63,400) on $634,000; loan $570,600
- Term: 30-year fixed (360 monthly payments)
- Property taxes: $348/mo (RMLS annual tax ÷ 12)
- HOA dues: $0 (no HOA in RMLS)
- Home insurance: $132/mo (Shawn Realty assumption, 0.25% of price per year; not a quote)
- Est. APR assumes 1% of the loan amount in points and lender fees.
This is an estimate. Verify exact numbers with your lender.
Estimate only, not a loan offer or commitment. Principal, interest, est. property tax and HOA. Excludes homeowners insurance, mortgage insurance (PMI, typically required with under 20% down) and other costs. Actual rate, APR and payment depend on credit, lender and loan program. Talk to a licensed loan officer.
Description
Rustic charm, modern comforts, and room to breathe! Tucked away on a peaceful, nearly half-acre lot in Oregon City, this beautifully updated single-level home offers the country feel you've been looking for without giving up the convenience of being close to town. With 4 bedrooms, 2 bathrooms, and nearly 2,000 square feet, there's plenty of room to spread out and enjoy.At the heart of the home is a massive kitchen with an oversized island that's made for gathering! Generous counter space, abundant cabinetry, and an open-concept layout connect the kitchen to a spacious living area filled with natural light. Rustic wood ceilings, exposed beams, shiplap accents, and warm finishes give the home a character all its own. The bathrooms carry that same style with custom wood vanities and beautiful tilework.Outside, the flat .46-acre lot offers room for gardening, outdoor activities, and all kinds of possibilities. Enjoy evenings on the covered back deck overlooking the yard, with mature trees adding to the peaceful setting. An attached garage, additional covered parking structure, and generous gravel driveway offer plenty of space for vehicles, recreational toys, equipment, and hobbies.The big-ticket updates are already taken care of, including a brand-new roof in 2026, HVAC system approximately 6 years old, new plumbing throughout, and a tankless water heater.It's the best of both worlds: a little elbow room, a whole lot of rustic personality, and the convenience of Oregon City just minutes away. Come see what makes this property so special!
Facts & Features
| Property Type | Residential |
|---|---|
| Sub-Type | Single Family Residence |
| Bedrooms | 4 |
| Total Baths | 2 |
| Full Baths | 2 |
| Partial Baths | 0 |
| Building Area (sq ft) | 1998 |
| Lot Size (acres) | 0.46 |
| Lot Size (sq ft) | 20037 |
| Year Built | 1971 |
| Garage Spaces | 1 |
| County | Clackamas |
| Elementary School | Beavercreek |
| Middle School | Tumwata |
| High School | Oregon City |
| Heating | Forced Air |
| Cooling | Central Air |
| Appliances | Dishwasher, Down Draft, Free-Standing Range, Free Standing Refrigerator, Island, Plumbed For Ice Maker |
| Interior Features | Laminate Flooring, Laundry, Wainscoting |
| Exterior Features | Covered Deck, Deck, Fenced, Fire Pit, RV Parking, RV Boat Storage, Yard |
| Basement | Crawl Space |
| Style | 1 Story |
| Roof | Composition |
| View | Yes |
| Lot Features | Level |
| Parking | Driveway |
| Sewer | Septic Tank |
| Water | Public Water |
| Annual Taxes | $4,180 |
| Tax Year | 2025 |
| Original List Price | $634,000 |
| RMLS # | 502567192 |
Map data © OpenStreetMap contributors (not RMLS data).
Listed by Stephanie Peck • eXp Realty, LLC
Contact: 503-832-0180
Listing updated: Nov 9, 2026 at 12:12am
Source: RMLS #502567192 ![]()
The content relating to real estate for sale on this web site comes in part from the IDX program of the RMLS of Portland, Oregon. Real estate listings held by brokerage firms other than Shawn Realty are marked with the RMLS logo, and detailed information about these properties includes the name of the listing brokers. Listing content is copyright © 2026 RMLS, Portland, Oregon.
All information provided is deemed reliable but is not guaranteed and should be independently verified.
This content last updated on 11/09/2026 17:45. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available.
IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by RMLS.
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Shawn Yu, Shawn Realty · 503-515-4499
Shawn Yu (Shawn Realty) is not the listing agent for this home.

