Two Lots, Home on One, Shop on One
Clouthier Drive : Chiloquin, OR 97624
Klamath County, Oregon
Lot Description
Two Lots: Home on One, Shop on One
0.58 Acres - Two Lots on Cloutier Drive, Oregon Shores 2, Klamath County, Oregon
Manufactured Homes Allowed. Power and Water at the Street. Room for the Home, the Shop, and Everything Else. Starlink Available.
$249/Month. $199 Down. No Bank. No Credit Check. Or $14,000 Cash. Total Price $18,875.
Most people who call me about this one say a version of the same thing. They've got the truck, or the trailer, or the project they've been meaning to get to for years, and nowhere to put any of it. The driveway's full. The garage was full a decade ago. Every time they want to work on something, they're moving three other things first.
This is the lot where that stops. Two lots, side by side, 0.58 acres on Cloutier Drive in Oregon Shores 2, and the whole point of it is room. You set a manufactured home on the high northeast corner, where the ground sits up a little, and you've still got the rest of it, a second full lot, for the shop, the storage, the semi, the trailer, the toys, whatever you've been squeezing into a space that was never big enough. One lot to live on. One lot to finally spread out on.
And you can start owning it for $199 down and $249 a month. No bank, no credit check. Here's the whole honest picture, every fact, every number, and the two things most sellers won't tell you until it's too late to back out.
The Property - What You're Actually Getting
A 0.58-Acre property made of two adjacent platted lots sold together as one, parcel R236934, on Cloutier Drive in Oregon Shores 2, Klamath County, Oregon, at GPS 42.531719, -121.915967. Drop that into Google Earth tonight and look around. Most buyers do before they ever call me, and I'd encourage it.
The size is the point. Two lots together give you a footprint most people in this subdivision don't have, enough to put your home on one and keep the other for a shop, a big garage, a parking pad for the semi or the RV, a storage building, a garden, room for the dog to run. On a single lot you build the house and you're about out of room. On this one, you build and you've still got a whole second lot to work with.
Manufactured homes are allowed here. That matters, because a quality manufactured home set on a permanent foundation is the affordable, realistic way onto your own land, and it's permitted on this lot, well understood by the local contractors, and used all over this part of the subdivision. You're not the odd one out putting a manufactured home here, it's the neighborhood.
The land is mostly cleared with little to no heavy tree cover, so you're not paying to clear it before you build. It runs gently from a high northeast corner down toward the southwest, not a steep grade, just enough that the northeast sits up a touch, which is the natural spot for the home, with the lower ground giving you a level working area below for the shop and the parking. The afternoon and evening light comes across that open downslope to the west.
Power and water are at the street. That means a standard connection from the existing service at the road to your structures when you build, a hookup the local contractors here have done many times over, not a miles-long utility run. You connect when you're ready, it's not live on the lot the day you sign. For internet, Starlink works here the way it does across rural Klamath County, with fiber run near some lots in Oregon Shores, so connectivity is covered for a primary home.
Homes in Oregon Shores 2 carry a 1,200-Square-Foot minimum, not counting porches and garages, and manufactured homes set to the community's standards qualify. That minimum keeps the neighborhood's quality up and protects the value of what you put here.
The Numbers - Every Dollar Accounted For
$199 down to get started, plus a one-time $250 document fee at signing. Then $249 a month for 74 months. The total price across the life of the note, down payment, all 74 monthly payments, and the document fee, comes to $18,875. If you'd rather pay cash, the price is $14,000.
That monthly number is all-in. It already includes your Klamath County property taxes and the Oregon Shores 2 HOA dues, spread across the year so there's no separate bill and no surprise reconciliation later. One payment, one number. And I'll be straight about the HOA here, because this is two lots: the dues run $200 per lot, so $400 a year total, and that full amount is already built into your $249 monthly. There is no balloon payment, no rate that adjusts, no fine print that flips on you in year three. The payment you start with is the payment you finish with, and at $249 it's the lowest monthly I offer on any lot.
No bank. No mortgage. No credit approval. No appraisal. No underwriting timeline. No Pmi. You fill out the paperwork, I review it, we execute the Promissory Note electronically so you can sign from your kitchen table, you make the first payment, and the lot is locked in your name from that day forward. Payments run automatically each month through an automated payment service called GeekPay, so you're never wondering whether a check got lost.
No prepayment penalty. Pay it off in 50 months, or 60, or whatever timeline works for you. Early payoff just means the Warranty Deed transfers to you sooner. There's no fee for paying ahead, and I encourage it.
After payoff, the cost to hold this land is about $538 a year, the $400 in HOA for both lots plus roughly $138 in county property taxes. That's the whole annual cost of owning two lots of your own, free and clear, indefinitely.
The Patient Build - What the Years on the Note Are Really For
Most folks who buy a lot like this aren't setting the home next month. The note period is the runway, the time you spend pricing a manufactured home, lining up the foundation and the setup, figuring out where the shop goes on the second lot and how you'll lay out the parking. You drive out, you walk it, you plan it.
By the time the last payment clears and the deed comes to your name, you know exactly what you're putting here and you're ready to move. The waiting isn't dead time, it's the planning time that makes it go smooth when the land is finally yours.
The Community - Oregon Shores 2
Oregon Shores 2 is an established rural community on the eastern shore of Agency Lake, with a homeowners association, a private water system, maintained roads, and a membership club that gives owners access to shared amenities. I know how a lot of land buyers feel about HOAs, so I'll be straight with you, this one earns its keep.
The dues are $200 per lot per year, $400 total on this two-lot property, and it's all built into your monthly. For that, the association maintains a private water source you can use without metering, keeps the roads up, gives members private access to Agency Lake, and runs a private lakefront park and campground on Agency Lake. The Oregon Shores Recreational Club park sits on Modoc Point Road, covers about 17 acres on the lakeshore, and has a private boat launch along with RV and tent camping, open to members from May 1 through October 31 each year. You're a member, you drive a few minutes, and you're on the water.
The community is governed, which protects you. It's residential only. Normal setbacks apply, 25 feet off the front and rear, 10 off the sides (15 on a corner lot), with a 25-foot height limit. Utilities run underground. Before anyone builds, the plans go to the board for approval. It's the reason the lots around you stay in decent shape and the neighborhood holds its value. When you're buying ground partly sight-unseen, governed and protected is exactly what you want.
Where This Land Sits
Oregon Shores 2 is about 5 miles from the town of Chiloquin and 3 miles from Agency Lake, on the eastern shore of the lake. It sits roughly 2 miles west of where Us-97 meets the Crater Lake Highway, and about 24 miles north of Klamath Falls, the county seat. It's a small lakeside settlement of a few hundred people at around 4,250 feet of elevation.
Chiloquin, a few miles off, covers the basics, a store, a gas station, a medical clinic, a fire department. Klamath Falls, the regional center about 24 miles south and roughly a 30-minute drive, is where you'll find Walmart, Home Depot, the auto parts and hardware stores, a full grocery, Sky Lakes Medical Center, a regional airport, and a real downtown. Hardware-store country, mechanic-shop country, the kind of place that has whatever the project needs.
Agency Lake - Three Miles West
Agency Lake is a natural high-desert lake covering about 9,298 acres, the northern arm of Upper Klamath Lake, connected to it by a narrow channel. It's fed by the Wood River and it's shallow, which makes it warm, productive water that the fish and the birds both love. The lake holds a redband rainbow trout fishery fed by the Williamson and Wood Rivers, with fish that can run large, and the Williamson River, close by, is one of the most respected trout streams in North America. Three miles from a lot where you've finally got room for the boat and the trailer, that's the kind of weekend this place makes easy.
The whole basin sits on the Pacific Flyway, so hundreds of species of birds move through over the year, bald eagles, sandhill cranes, pelicans, herons, and the big waves of waterfowl in spring and fall. Mule deer move through the open country at dawn and dusk. Even on a working lot, the wildlife is part of the deal out here.
The Bigger Backyard - Refuges, Parks, and Crater Lake
What surrounds Oregon Shores is some of the best public land and water in the state. The Upper Klamath National Wildlife Refuge, established in 1928, protects about 14,400 acres of freshwater marsh on Upper Klamath Lake, with a marked canoe trail through it. Eagle Ridge County Park reaches into Upper Klamath Lake about 15 miles west of Klamath Falls, roughly 635 acres of shoreline ground.
Crater Lake National Park is about 30 miles north, up the Crater Lake Highway, the deepest lake in the United States and some of the bluest water you'll ever see, close enough to be a regular Sunday drive. South and west, the Sky Lakes Wilderness has alpine lakes and old-growth forest within weekend reach. There's a lot to do out here when the work's done.
Klamath County - The Region Behind the Lot
More than 300 days of sunshine a year. Klamath County sits in the rain shadow east of the Cascades, so it runs dry, sunny, and clear far more often than the wet side of the state. Four real seasons, big sky, low humidity. For a buyer who plans to work outdoors on the shop and the rigs, that's a lot of days with the door open and good light to work in, and the low humidity is easy on tools and equipment.
No sales tax. Oregon has no state sales tax, so every building material, every appliance, every piece of shop equipment, every bit of the manufactured home, bought without it. For someone equipping a place from scratch on a budget, that adds up to real money kept.
And Klamath Falls was ranked the number one place to retire in the Western United States by Money magazine, for the rare mix of affordability, outdoor recreation, healthcare, and quality of life at a price point that's hard to find anywhere else in the West.
The Two Things I Won't Sugarcoat
Every honest land deal has a couple of "here's the catch" moments, and I'd rather you hear them from me now than feel ambushed later.
First, you don't get to use the land during the payment period. Use begins at payoff. During the note, the property is held in my name as the financing seller, which is how owner-financed land works, the deed transfers when the note is paid in full. You can drive Cloutier Drive, walk the lots from the road edge, and plan out where the home goes and where the shop goes. But setting the home, parking a trailer, staging materials, or starting construction all begin at payoff, not at signing. There are no exceptions, not because I don't trust you, but because it's the rule that lets me offer terms this easy to everybody fairly. The Recreational Club's park and boat launch belong to titled owners too, so during the note you're building toward those benefits. Once the land is yours, the community camping allowance runs up to 21 days in any 6-month stretch under the club's rules.
Second, this is land, not an investment promise. I'm not going to tell you it'll double, or that you'll make money on it, or that it's a sure thing financially. I don't know that, and neither does anyone who tells you they do. What I can tell you is what it is, two real, buildable lots with room for a home and a shop, in a protected community, with a Warranty Deed coming to your name. What it becomes is up to you.
The Deed, and the Guarantee
When you make the final payment, I transfer you a Warranty Deed, the highest level of deed there is in Oregon. That's me guaranteeing clear title, free of liens, back taxes, and competing claims, not a handshake, and not a "contract for deed" where you could pay for years and still not own it. When it's paid off, it is yours, free and clear, with the strongest deed the state offers.
Every terms purchase is backed by a 120-Day money-back guarantee. If you're not satisfied within 120 days, you get a refund of the principal you've paid, minus the doc fee, taxes, and finance fees, or you swap it for another property. That's the longest such guarantee I know of in owner-financed land. It exists so you can say yes without holding your breath.
Who I Am
Dakota Skyhook is a small, North Dakota-based land company. I've acquired around 30 properties in Klamath County, Oregon, and sold about half of them, Running Y Resort lots, Oregon Shores parcels, and other rural ground across the county. I'm not a high-volume operation running automated ads against zip codes, and I'm not going to manufacture urgency around a listing. You deal with me directly, by email or text, and I'll give you an honest answer to every question, including the ones whose honest answer might point you somewhere else. In a business like this, the reputation is the business. Buyers who've worked with me say the same things in their reviews, that it was straightforward and simple with no surprises, that the fees and taxes were covered, that I answered emails. One has both bought from me and sold to me and recommends working together.
What to Do Next
If you want to see it before you decide, drive out. Cloutier Drive in Oregon Shores 2 is reachable from Klamath Falls by way of Modoc Point Road. Walk both lots, stand on the high northeast corner where the home would sit, and look out over the room you'd have. Drive the neighborhood, and swing past the Recreational Club park on Modoc Point Road on the way back to see the boat launch that's yours to use once the deed is in your name.
If you'd rather talk it through first, the lots, the manufactured-home path, the community rules, or the financing, reach out and I'll walk you through any of it at your own pace. If you're ready to move, the paperwork is fast and clean, and I'll have the Promissory Note to you quickly.
Two lots sold as one, 0.58 acres on Cloutier Drive in Oregon Shores 2, near Agency Lake in Klamath County, Oregon. Manufactured homes allowed, power and water at the street, mostly cleared with a gentle grade, Starlink available, room for a home on one lot and a shop on the other, in a protected lakeside community. $14,000 cash, or $199 down and $249 a month for 74 months with no bank and no credit check, taxes and the full $400 HOA built into the payment, a Warranty Deed when it's paid off, and 120 days to change your mind.
APN R236934 • Oregon Shores 2 • Klamath County, Oregon • $249/Mo • Total Price $18,875 • $14,000 cash • No bank. No credit check.
Lot Maps & Attachments
Directions to Lot
GPS Coordinates: 42.531719, -121.915967
About a 45-minute drive (~40 miles) north from Klamath Falls - same corridor as the other Oregon Shores lots:
Driving Directions:
Head north on US-97 N from Klamath Falls
Continue north through Modoc Point
Turn left (west) onto Chiloquin Rd toward Chiloquin
Turn left onto Agency Lake Rd heading southwest along Agency Lake
Enter Oregon Shores Unit 2 and follow to Clouthier Dr - Lots 28 & 29 (Block 25) will be on your right
