Two side by side lots in Oregon Shores 2, sold together as one piece of ground. Put the house on one and the shop on the other. $179 a month. No bank, no mortgage, no credit check. A Warranty Deed in your name at payoff.

Room for the Home and the Shop

Every man I have ever sold land to had a shop in his head before he had a house in it. The house is the part you tell people about. The shop is the part you think about while you are falling asleep. Where the bench goes. Where the light comes in. Whether the door is wide enough for the boat and tall enough for the lift. Most lots make you choose. You get a house, a single car garage, and a corner of it where your tools live like they are borrowing the space. This one does not make you choose. Two lots, side by side, sold together as one buy. Put the home on one, put the shop on the other, and stop apologizing to your own tools. There is one more thing that second lot buys you, and people do not think about it until later. It buys you air. Nobody builds a house eight feet off your shop wall, because that ground is yours.

The Land

‍ ‍0.58 acres in two adjoining lots, Block 25, Lots 28 and 29, on Cloutier Drive in Oregon Shores 2, Klamath County, Oregon. Coordinates run right around 42.5317, -121.9160, so you can drop a pin and study the satellite view before you ever call me. The lots are open and level, with little to no tree cover. This is not a shaded, timbered piece of ground and I will not dress it up as one. It is bright, open high desert with a lot of sky over it. What open ground gives you back is real. You are not clearing a forest to start. You can see exactly what you are buying before you buy it. And the Club combines the two lots into a single building site, so your setbacks measure from the outside boundaries of the pair, not from the line running between them. No property line cuts through the middle of your plans. Agency Lake sits a few minutes west. Upper Klamath Lake, the largest freshwater lake in Oregon, opens up just beyond it. Crater Lake is about an hour north. In winter this basin holds the largest gathering of bald eagles anywhere in the lower 48.

The Numbers

‍ ‍$179 down. A one-time $250 document fee. Then $179 a month for 120 months.‍ ‍The principal on these two lots is $15,497. That is the price of the dirt and nothing else, and it is the figure your payoff is always based on. Your $179 down does not come off it. The down payment is what opens the deal. Everything else rides on top of the principal, and here is every piece. A little over $129 of each payment goes to the principal. Your community dues, $400 a year across the two lots, come to a shade over $33 a month. Property taxes take a little under $12. And $5 is a note processing fee for servicing the note. Add those four and you get $179. Nothing hides behind that number. No bank. No mortgage. No credit check. You sign from your own kitchen table, the payments run automatically, and when the last one clears I file a Warranty Deed putting both lots in your name. That is the highest level of deed available in Oregon. If you would rather own it outright from the start, the cash price is $14,000 for the pair and the deed transfers at closing.

Why the principal matters

Pay this note off early and you owe the principal that is left, not the dues, taxes, and note fees for the months you skipped. Those months never happen, so those dollars never get collected. And there is no prepayment penalty on any note I write. Not on this ground, not ever. Here is what most buyers never work out for themselves. Only about $129 of your $179 goes to principal, so a small extra payment lands with real weight. Send an extra $20 a month and you take roughly 16 months off the end of this note. Make it $30 and you take off closer to 22. That is a year and a half to nearly two years of payments you never make, dues you never owe, and taxes you never send in. You do not need a windfall. You need $20 and the habit of sending it. Carry it the full 120 months and those payments come to $21,480, on top of your $179 down and the one-time $250 document fee. Every terms purchase carries a 120-day money-back guarantee. Change your mind in the first 120 days and your principal comes back.

What Your $400 a Year Buys

Oregon Shores 2 is run by the Oregon Shores Recreational Club under restrictions recorded with Klamath County. Buy here and you are a member. The recorded rules cap the assessment at $200 per lot. You own two, so your dues are $400 and they sit at the ceiling. It cannot climb higher unless a majority of owners vote to change the covenant. Here is the other half nobody mentions: the rules give you one vote per lot, so you pay two assessments and carry two votes. The dues cover the water system, the roads, and your Club membership. That membership brings a lakefront park and campground with a boat launch on Agency Lake, open to members through the warm season. Camping there runs around $10 a day in season. The Club sets the season, day limits, and fees, so I point you to their current rules rather than promise you something on their behalf. The rules also allow a special assessment of up to $100 per lot for a major repair, and an unpaid assessment becomes a lien after 90 days. Pay your dues and none of that touches you.

Power, Water, and Staying Connected

‍ ‍Power runs at the road. Utility lines run underground under the recorded rules, so you are burying the run either way. Water comes from the community system, and your dues carry it, so there is no separate monthly water bill, ever. The Club charges $2,750 for the water hookup, one time, when you connect. That is charged per hookup and not per lot, so two lots does not mean paying it twice. You run one line to the homesite and pay once. There is a season to it. A hookup goes in when the ground is workable and nobody worries about pipes freezing, and the Club decides when it is warm enough to dig. You will also install a septic system when you build. On internet, I will not promise you a wired connection. What reaches one lot may not reach the next. Starlink works out here, and this ground is close to ideal for it, since a dish wants clear sky and open sky is what these lots have. It is your service, paid monthly by you. Dakota Skyhook does not provide or include internet of any kind.

What You Can Build

Your dwelling runs a 1,200 square foot minimum, measured without open porches and the garage. You get one residence per lot, plus one guest house, a private garage, and outbuildings the board approves. Setbacks run 25 feet front and rear and 10 feet on the sides, 15 feet on a corner. Nothing stands more than 25 feet tall. A site-built home has its exterior finished within a year of starting. A shop is an outbuilding, and outbuildings are permitted where the board approves them. That is how every shop in this community got built. Draw what you want, bring it with your county-approved plans, and get the sign off. It is a normal step, not a gamble. What you cannot do is live in the shop. Before you break ground, your county-approved plans go to the Club board. If the board does not answer within 60 days, full approval is deemed given.‍ ‍

The five-year rule, and why you need it before you go shopping

‍ ‍A manufactured or modular home is allowed on this ground. The recorded rules prohibit them on a long list of blocks, and Block 25 is not on that list. On a property where the point is to spend your money on the shop, that matters. Now the rule. A manufactured home may be approved only if it was built no later than five years before the day it is placed on the lot. Five years. Not fifteen. The board also has to approve it, it has to meet codes, and the board may set conditions on its appearance, its manufacturer, where it sits, and how it is fastened down. Here is why I am shouting about it. Shop for a used manufactured home today and most of what you find will be ten, fifteen, or twenty five years old, priced accordingly, and completely useless to you on this ground. So do it in this order. Find the home, check the build date on the data plate before anything else, then take the make, model, build date, and plans to the board for written approval before you buy it. And understand what the rule protects. It is the same rule that stops your neighbor from dragging a worn out trailer onto the lot across the road and leaving it there for thirty years.

What You Can Do While You Pay

The moment your contract is in force, you are a Club member. The recorded rules say it plainly. Where land sells on contract, the contract purchaser is the member in place of the record owner for as long as that contract is enforceable. The lakefront park, the campground, and the lake access are yours from the first payment. On the lots themselves, you hold a recreational license from me. Drive out, walk both lots, pace off where the shop goes and where the house goes, bring a lunch, and plan. Now the honest other half. The recorded rules hold this land to residential use and permit no structure placed or left on a lot beyond a dwelling, a guest house, a garage, and board-approved outbuildings. So no camping on the lots, no RV parked out there, and nothing left behind between trips. Notice where that leaves you, though. Your lots are where you stand and plan. The campground is where you sleep, and your membership already bought you that. Building and living on your own ground begin when the deed records. A cash buyer takes the deed at closing.

Why Sooner Beats Later

Water goes in during the warm season, on the Club's say-so. That window opens and closes once a year, and it does not care when you got around to deciding. Pay cash and this lands right on you. Close in time and your hookup goes in this year with your build behind it. Miss the window and both sit until the ground thaws. Buy on terms and the same calendar runs, further out. A hundred and twenty payments is ten years to the month, so the month you sign is the month your deed arrives. Sign in June and the deed comes in June, in the middle of digging season. Sign in December and your water waits for spring. And underneath it all sits the simplest reason. There is one pair of adjoining lots like this on Cloutier Drive, and when they are gone, they are gone.

Two Things I Will Not Sugarcoat

‍ ‍First, the note runs ten years, the dues are $400 a year because you own two lots, and you do not live on the ground while you pay. Day use only. If you want the deed and the freedom now, cash takes it at closing. Second, building here means building to somebody else's standards. A 1,200 square foot minimum dwelling. A site-built home with the exterior finished within a year. A shop the board approves. And if a manufactured home is your plan, it has to have been built within five years of the day it is set down. Check the build date before you fall in love with a home. And one more honest word. This is land, not an investment promise. I will not tell you it is going to make you money or shoot up in value, because I do not know that and nobody honest does. These are two real, buildable lots in a maintained community with a Warranty Deed coming to your name.

Who You Are Dealing With

You will be talking to me, Jay. You talk to me, not a call center. I have sold Klamath County land since 2016. I deal straight, I say the hard parts out loud, and I hand you the recorded rules before you send me a dollar. I would rather lose a sale than push you into the wrong piece of ground.

What to Do Next

Picture it once more. The house on one lot, the shop on the other, the big door rolled up on a bright Klamath morning, and every tool you own finally standing in a place of its own. $179 down, a one-time $250 document fee, then $179 a month for 120 months. No bank, no credit check, a 120-day money-back guarantee, and a Warranty Deed at the end. No prepayment penalty, ever, so an extra $20 or $30 a month can pull a year and a half off the back of it. If you would rather pay the $14,000 in cash, the deed transfers at closing. Want to hold it while you think? You can reserve it in your name. Want to talk it through first? Reach out and we will, no pressure either way. Call or text Jay at 701-929-7781, or email sales@dakotaskyhook.com. Tell me you are asking about the two lots on Cloutier Drive.