$499,000
20 Penny
Shady Cove, OR 97539 · Rogue Riviera Estates
Active14 days on market$260/sqft
Facts
Listing courtesy of eXp Realty, LLC, agent Rutledge Property Group
Data last updated June 22, 2026
Based on information from Oregon Data Share. All information provided is deemed reliable but is not guaranteed and should be independently verified. Listing information is for consumers personal, non-commercial use only.
Private access to the Rogue River plus a fully remodeled 1920 sq ft home to enjoy Southern Oregon summers. This gorgeous home is located in one of Shady Cove's most premier neighborhoods. 4 bedrooms, 3 bathrooms. The home is filled with all new flooring, paint, granite countertops, custom cabinets, stainless steel appliances, kitchen island with storage and a dry bar. Outside you'll find a new roof, new exterior paint, new windows, a new HVAC system, freshly landscaped front and backyard. Finished two car garage, 2 sheds for plenty of storage, 2 car garage and an insulated barn which would make the perfect home office or gym and water and electric RV hookups. You're just steps away from private access to the Rogue River with a private gated boat ramp and picnic area. Water and HOA is paid for the remainder of 2026. (Rumor has it there is great fishing here too! But we didn't tell you that.)
A rough estimate, not a quote. A real number comes from a lender.
Loan amount $399,000 · $100,000 down · 30 year term
Monthly cash flow, cap rate, and cash-on-cash return at this price. Every number is an estimate you can adjust to your own financing and rent.
Estimate $2,500 ($2,125–$2,875) · starting estimate. Edit to your own number.
At $499,000 with 25% down, this property runs $1,079 per month negative. Adjust the price, down payment, or rent to find what works.
Estimates only, not investment advice or a guarantee of rent, value, or return. Figures depend on the numbers you enter and current market conditions. Verify with your lender, tax advisor, and a Ryan Realty broker before you rely on them.
We pull climate risk data from FEMA flood maps, the Deschutes County wildland-urban interface map, and NOAA heat trends. Detailed scoring for this property is on request.
Get the climate reportWe compute vacation rental projections from comparable short-term rentals in the same community, weighted by bed count, view, and amenities. A custom projection for this property is on request.
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