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👁🗨 Sesemi STR Hot Sheet | 📲 STR Mortgages | 📸 @oregonSTRs
Dear Sesemi STReet,
So nice to meet with you twice in one week! We wanted to share a little insight into our personal investment journey on the Oregon Coast and provide one of our WHY’s and deliver 11 AirBNBs FOR SALE.
In 2017 I was living in Venice Beach California and visited the Oregon Coast for the first time, needless to say I was BLOWN AWAY and made an offer on my first investment property ($85K cottage - that was on market for ten years..) before I departed! My INTUITION and decisiveness served me well..having subsequently invested in multiple properties and somehow connecting with and supporting nearly FIFTY STR Investors with like mind. 👁🗨
One of the reasons I was confident in my initial investment was my experience with subleasing my AirBNB in Venice (when you could get away with it!) and..weather. I know it sounds weird..but in LA at that time we had back to back extreme heat filled summers and my thinking was..”when I’m of retirement age this is going to be prime climate.”
Fast Forward a few years and this article crossed my desk: Finding Safe Haven in a Climate Change Future and where is the very first ‘BEST’ climate county in the entire PNW? Curry County Oregon where our first and current homes are located!
Regardless of your position on where the weather is heading, investing is about vision and the reality is climate is impacting invest-ability now - both directly and indirectly through related costs such as electricity and insurance.
🌊 The Oregon Coast is increasingly positioned as a "climate haven" due to its relative stability in four critical areas compared to inland Oregon and the broader American West.
💧Water Security and Quality While inland regions face severe drought and shrinking snowpack, the coast remains a water-rich environment.
Atmospheric Moisture: Warmer air over the ocean drives increases in atmospheric moisture through evaporation, maintaining more stable water availability than arid inland regions.
Precipitation Consistency: Unlike the Cascades, which are losing critical spring snowpack, the coast relies on direct rainfall, which is projected to increase in winter.
Localized Risks: While water is generally abundant, some coastal municipalities are actively modeling future "water shortage probabilities" to invest in resilient storage systems ahead of demand surges.
🧯Relative Wildfire Risk The "wet" side of the Coast Range acts as a natural buffer, though it is not entirely immune to risk.
Coastal Buffer: The maritime climate and higher humidity typically result in lower burn probabilities compared to the "wildfire-heavy" markets of Southern and Central Oregon.
Geographic Advantage: While 4% of Oregon’s total land has burned per decade since 1984, the most catastrophic "mega-fires" remain concentrated in the inland rangelands and drier forests.
📉 Homeowners Insurance Costs Oregon currently maintains some of the lowest average home insurance costs in the U.S., but a sharp divide is forming between coastal and fire-prone inland areas.
The Premium Gap: In high-risk inland cities like Bend, Ashland, and Medford, premiums have recently doubled or quadrupled, whereas coastal premiums remain more stable.
Statewide Averages: Most Oregonians still pay between $1,000–$1,499 annually, a rate significantly lower than states like California or Florida.
Transparency Laws: New Oregon laws (like HB 82) now require insurers to explain exactly how wildfire risk impacts your rate and provide clear paths for discounts through mitigation.
😎 Temperature Stability The Pacific Ocean acts as a massive thermal regulator for coastal real estate.
Extreme Heat Buffer: As inland temperatures are projected to rise by up to 7.6°F by 2100, the coast’s maritime breeze provides a critical escape from "local heat shocks" that typically decrease inland property values.
Market Demand: Real estate analysts note that rental prices stay resilient to temperature shocks, as people seek coastal properties specifically for their "stable cooling" during summer heatwaves.
Looking for an STR this Spring or Summer?
For market and investing insights be sure to follow me and my articles as a FEATURED AUTHOR ON BIGGER POCKETS.
📲 Shop directly at our exclusive STR HOT SHEET. Updated daily and featuring 100+ active and off market vacation rental properties for sale. Search 24/7/365 at www.sesemisheet.com
Featured Property:
17430 Pine Beach Way Rockaway Beach OR | 3 / 5 2584SF
Oceanfront home in southern RB can obtain an STR permit not subject to a waitlist!
🐟 10 MORE STRs For Sale:
250 SE Coast Guard Dr #2 Depoe Bay OR | 2 / 2 1561SF - Larger townhome with excellent layout in excellent location and STR-Ability. Asking $360,000
510 SE Shell Ave Depoe Bay OR | 3 / 3 1200SF - Near marina newer construction condo eligible for STR usages outright. Sold furnished. These are exceptionally built and furnished and one of the strongest pound for pound values on the entire Oregon Coast. Asking $399,000
20 NW Sunset St #M-1 Depoe Bay OR | 2 / 3 1361SF - Oceanview Condo with commercial zoning eligible for STR usages. Note HOA Dues. Asking $399,000
5825 Roma Ave Cloverdale OR | 2 / 2 1052SF - One STR permit left in Tierra Del Mar region. Asking $544,900
3868 NW Port Ave Lincoln City OR | 3 / 2 1344SF - Fully furnished home with general commercial zoning. Asking $560,000
3680 NE West Devils Lake Rd Lincoln City OR | 3 / 3 1194SF - Lakefront townhome with STR zoning. Asking $560,000
3825 NE West Devils Lake Rd Lincoln City OR | 3 / 2 1232SF - Updated home with STR zoning. Asking $575,000
585 Tichenor St Port Orford OR | 2 / 1 1152SF - Active STR with rare commercial zoning and one of the most dramatic ocean views on the entire PNW. Needs some TLC and a stronger sales price but has upside potential. Asking $577,000
401 N 6th Ave Rockaway Beach OR | 2 / 2 1499SF - Active STR with transferrable permit on over 1 acre. Asking $620,000
5700 Barefoot Lane Pacific City OR | 2 / 3 1534SF - Active STR sold furnished. Asking $750,000
BONUS LAND LISTING: Any takers for an 80 acre riverfront campground? Approval in place for 9 additional yurts and 35 more campsites, bringing the total capacity to 84 sites. Asking $1.2M
BONUS HOSPITALITY LISTING: IN HOUSE - 12 Unit Riverview Boutique Motel in Florence Oregon! Ask about STR conversion** Impeccably maintained, operated and consistently profitable -this impressive turnkey property is primed for continued success. Asking $1.997M
🎯 Why use an STR-focused broker
We specialize in licensed, zoned STRs, 1031X timing, and turn-key luxury sales so investors save time and capital.
$35M+ in STR sales closed along the Oregon Coast & beyond; we underwrite revenue, compliance, and operations—not just comps.
Our HOT Sheet tracks 99% of eligible STRs so you move smart.
🪄 HOT Sheet: 9 of 10 of our STR sales are first found on our exclusive and invite-only cheat sheet: Request access and visit sesemisheet.com
Thank you for reading this week’s edition of Sesemi STReet your premier information source for vacation Rental and investment property insight throughout Oregon & California.
Anthony AJ Wong
Licensed Oregon Real Estate Broker | NMLS Mortgage Broker
Sesemi | STR Brokers powered by Fathom Realty Oregon + Loan Factory
📞 541-800-0455
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License #201231202 | FL NMLS ID: 2297941
P.S. As a licensed NMLS mortgage broker with Loan Factory - utilize our industry leading pricing tool for mortgage options anywhere in the country. Our loan system is designed for busy professionals that demand transparency and efficiency. Check in with my go-to LO Joseph Chiofalo for Pre-Approvals or Rate Quotes.
