SHORTSTACK COTTAGE CONDOS
Property Photos
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About This Property
Photos are from similar units. Discover a rare opportunity to own a stylish and permanently affordable home in the sought-after Ardenwald neighborhood—just minutes from downtown Milwaukie. 15 modern two-story, semi-detached cottages feature 2 bedrooms, 1.5 bathrooms, and 960 square feet of smart, energy-efficient living space. Thoughtfully designed interiors include luxury vinyl plank flooring, solid-surface countertops, energy-efficient appliances, an in-unit washer and dryer, modern fixtures, and abundant natural light throughout. Located in a walkable, well-connected community, you'll enjoy close proximity to the MAX Orange Line, TriMet bus routes (75/33), top-rated schools, Water Tower Park, Elk Rock Island Nature Preserve, and everyday essentials like Safeway, New Seasons, local shops, and cafes. With downtown Milwaukie less than a mile away, these homes offer the perfect blend of comfort, convenience, and long-term affordability.
Address:
3738 SE Harvey St Unit 1, Milwaukie 97222 Active MLS#464558433 Home Energy Score 10
3732 SE Harvey St Unit 2, Milwaukie 97222 Active MLS#480816335 Home Energy Score 10
9947 SE Cottage Ln Unit 3, Milwaukie 97222 Active MLS#682738999 Home Energy Score 10
9939 SE Cottage Ln Unit 4, Milwaukie 97222 Active MLS#401135457 Home Energy Score 10
9955 SE Cottage Ln Unit 5, Milwaukie 97222 Active MLS#440611633 Home Energy Score 10
9963 SE Cottage Ln Unit 6, Milwaukie 97222 Active MLS#770669667 Home Energy Score 10
9971 SE Cottage Ln Unit 7, Milwaukie 97222 Active MLS#433333824 Home Energy Score 10
9979 SE Cottage Ln Unit 8, Milwaukie 97222 Active MLS#188102469 Home Energy Score 10
9987 SE Cottage Ln Unit 9, Milwaukie 97222 Active MLS#695882017 Home Energy Score 10
9995 SE Cottage Ln Unit 10, Milwaukie 97222 Active MLS#695831496 Home Energy Score 10
10003 SE Cottage Ln Unit 11, Milwaukie 97222 Active MLS#472183638 Home Energy Score 10
10009 SE Cottage Ln Unit 12, Milwaukie 97222 Active MLS#120543112 Home Energy Score 10
10017 SE Cottage Ln Unit 13, Milwaukie 97222 Active MLS#244403644 Home Energy Score 10
10025 SE Cottage Ln Unit 14, Milwaukie 97222 Active MLS#294143481 Home Energy Score 10
10033 SE Cottage Ln Unit 15, Milwaukie 97222 Active MLS# 551869824 Home Energy Score 10
Listed by Undra Adams, real estate broker licensed in OR with listing office Proud Ground.
More Information:
For more information about this property, contact Undra Adams, licensed broker in Oregon, at 503-493-0293 x106 or undra@proudground.org
Attend a Q & A session to learn more - Register here - English Session or Spanish
Application Deadline - 5pm on Thursday. OCT. 23rd
Open House! Oct 18th Saturday from 12pm to 2pm
Property Details
Address:
3738 SE Harvey St, Milwaukie 97222
3732 SE Harvey St, Milwaukie 97222
9947 SE Cottage Ln, Milwaukie 97222
9939 SE Cottage Ln, Milwaukie 97222
9955 SE Cottage Ln, Milwaukie 97222
9963 SE Cottage Ln, Milwaukie 97222
9971 SE Cottage Ln, Milwaukie 97222
9979 SE Cottage Ln, Milwaukie 97222
9987 SE Cottage Ln, Milwaukie 97222
9995 SE Cottage Ln, Milwaukie 97222
10003 SE Cottage Ln, Milwaukie 97222
10009 SE Cottage Ln, Milwaukie 97222
10017 SE Cottage Ln, Milwaukie 97222
10025 SE Cottage Ln, Milwaukie 97222
10033 SE Cottage Ln, Milwaukie 97222
Year Built: 2025
Est. Sq. Ft.: 960
Estimated Monthly Payment: $2,004/mo*
Estimated monthly HOA/Condo fees: $183
Estimated Appraised Value: $340,000
Estimated Monthly Property Taxes: $275
Proud Ground Monthly Fee: $50 (increasing to $51.50 in January 2026)
Estimated Recording Fees: $800
Max. front end/housing ratio: 38%
Max. back-end ratio: 45%
Minimum home buyer contribution to purchase: $500
1st time homebuyer required?: No
Land Lease or Covenant? Leasehold condo with Proud Ground Covenant
*Payment amount assumes 5.625% interest on a 30-year, fixed-rate FirstHome loan of $249,500 with a $500 down payment and payment includes property taxes, insurance, service fee & HOA fees, if applicable.
To comfortably afford this home, we recommend an annual household income of at least $63,000. If your income is under this amount it might be difficult to qualify for the home loan.
You must be an income-qualified homebuyer.Owner-occupancy, resale, and other restrictions apply. Final monthly payment and down-payment amount will be determined by the lender based on current interest rates.
Income Qualification
To qualify for this home, your total household income must be at or below a specific amount, based on household size. Proud Ground calculates your income by reviewing recent pay information and accounting for any expected raises or additional income that might occur during the first year you own your home. Household income includes gross annual income (before taxes), commissions, overtime, bonuses, child support, alimony, pensions, benefits, and income from anyone 18 or older living in the home, even if they’re not on the loan. Once you have purchased your home, no additional income certification is required. This is a strict guideline and no exceptions to maximum income limits can be made.
Please review the table to see if you qualify.
| Household Size | Maximum Household Income |
|---|---|
| 1 | $69,550 |
| 2 | $79,450 |
| 3 | $89,400 |
| 4 | $99,300 |
| 5 | $107,250 |
| 6 | $115,200 |
| 7 | $123,150 |
| 8 | $131,100 |
Application Deadline - 5pm on Thursday. OCT. 23rd
Funding Support Provided By
