Build Up Where The Land Rises
Clouthier Drive : Chiloquin, OR 97624
Klamath County, Oregon
Land Description
Build Up Where the Land Rises
0.42 Acres on Cloutier Drive - Oregon Shores 2, Klamath County, Oregon
Rises to a High, Treed Rear with Mountain Views. Power Pole on the Corner. Internet at the Street. Starlink Available.
$179/Month. $179 Down. No Bank. No Credit Check. Or $9,500 Cash. Total Price $12,243.
Walk to the back of this lot and the mountains are right there on the horizon.
That's the thing about this 0.42-Acre lot on Cloutier Drive in Oregon Shores 2. Most ground out here is flat and bare, but this one rises as you walk it, low at the street on the south side and climbing to a high rear at the back, and from up on that high ground you've got mountains across the skyline and a handful of established trees around you. In high-desert country where most lots are open scrub, a lot with real elevation, real trees, and a mountain backdrop is a different kind of place. It's the one you build up on, where the home sits above the road and looks out at the horizon.
Whether you'd set a manufactured home so you can enjoy the property sooner, or build site-built from scratch, this lot has the room and the setting to do it right. And you can own it for $179 down and $179 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 0.42-Acre residential lot, parcel R245862, on Cloutier Drive in Oregon Shores 2, Klamath County, Oregon, at GPS 42.532980, -121.916769. Drop that into Google Earth tonight and look around. Most buyers do before they ever call me, and I'd encourage it.
The lay of the land is what makes this one. It runs uphill from the street, the south edge is the low point and the rear of the lot is the high point, and that elevation is the whole gift. Build up on the high back and your home sits above the road with the ground falling away in front of it and the mountains out across the horizon. Elevation and a view are the two things you simply cannot add to a flat lot later, and this lot has both.
There are between six and ten established trees on the lot, real trees, not scrub, which in this part of Klamath County is genuinely uncommon and gives the place a settled, lived-in feel from day one. You're not starting with a bare rectangle and waiting twenty years for shade.
You've got room to build it the way you want. Whether you set a quality manufactured home up on the high rear so you can enjoy the place sooner, or build site-built from the ground up, this lot has the size and the setting for either. That flexibility, on a lot with elevation and a mountain backdrop, is a rare combination at this price.
Hookups are straightforward here. There's a power pole right on the corner of the property, so your power and water connections are close and simple, no guessing about how far the service runs or paying to bring it from a distance. Internet service reaches this lot, and Starlink works here too the way it does across rural Klamath County, with fiber run near some lots in Oregon Shores, so connectivity is well covered for a primary home.
Homes in Oregon Shores 2 carry a 1,200-Square-Foot minimum, not counting porches and garages, and homes set to the community's standards qualify. That minimum keeps the neighborhood's quality up and protects the value of what you build.
The Numbers - Every Dollar Accounted For
$179 down to get started, plus a one-time $250 document fee at signing. Then $179 a month for 66 months. The total price across the life of the note, down payment, all 66 monthly payments, and the document fee, comes to $12,243. If you'd rather pay cash, the price is $9,500.
That monthly number is all-in. It already includes your Klamath County property taxes and the $200-A-Year Oregon Shores 2 HOA dues, spread across the year so there's no separate bill and no surprise reconciliation later. One payment, one number. 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.
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 40 months, or 55, 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 $270 a year, the $200 HOA plus roughly $70 in county property taxes. That's the whole annual cost of owning your elevated, treed lot with the mountain view, 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 building next month. They're paying now to move later, and the note period is the runway. It's the time you spend deciding where on that high rear the home sits to catch the mountains, how you orient it, whether you go manufactured or site-built, how the drive comes up from the street. You price the build, line up a contractor, and drive out to walk it in different seasons.
By the time the last payment clears and the deed comes to your name, you know exactly what you're building and you're ready to break ground. The waiting isn't dead time, it's the planning time that makes the build go right.
The Community - Oregon Shores 2
Oregon Shores 2 is an established rural community on the eastern side 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, this one is one of the good ones.
The dues are $200 a year. 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 neighborhood holds its character and 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 on the eastern side of Agency 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. This lot is about half a mile to three-quarters of a mile from the lake, and roughly a mile from the community campground.
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. So you get the quiet without being cut off from a hospital and a hardware counter.
Agency Lake - Under a Mile 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, and the Williamson River, close by, is one of the most respected trout streams in North America. Under a mile from your lot, that's the kind of water you'd be living next to.
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 big waves of waterfowl in spring and fall. Mule deer move through the open country at dawn and dusk. From an elevated, treed lot with the mountains beyond, the natural world is part of the everyday.
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.
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. On an elevated lot with a few trees and the mountains in view, that's a lot of clear days to enjoy the outlook.
No sales tax. Oregon has no state sales tax, so every building material, every appliance, every fixture, and the home itself, all purchased without it. Across the cost of a build, that adds up.
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 lot 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 lot from the road edge, climb the rise to the high rear, and stand there looking at the mountains picturing where the home goes. But camping, 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, an elevated, treed, buildable lot with a mountain view in a protected lakeside 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 the lot from the street up to the high rear, stand on the high ground and take in the mountains, and look at the trees. Drive the neighborhood, and swing past the Recreational Club park on Modoc Point Road 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 lot, the build options, 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.
An elevated 0.42-Acre lot on Cloutier Drive in Oregon Shores 2, near Agency Lake in Klamath County, Oregon. Rises to a high, treed rear with mountain views, a power pole on the corner for easy hookups, internet at the street, Starlink available, room to build site-built or set a manufactured home, in a protected lakeside community with $200-A-Year dues that get you private water, lake access, and a lakefront RV campground. $9,500 cash, or $179 a month for 66 months with no bank and no credit check, taxes and HOA built into the payment, a Warranty Deed when it's paid off, and 120 days to change your mind.
APN R245862 • Oregon Shores 2 • Klamath County, Oregon • $179/Mo • Total Price $12,243 • $9,500 cash • No bank. No credit check.
Land Maps & Attachments
Directions to Land
GPS Coordinates: 42.532980, -121.916769
The directions are identical to 236934 - about a 45-minute drive (~40 miles) north from Klamath Falls:
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 - Block 28, Lot 8 will be just steps from 236934 (they're essentially adjacent lots, separated by only ~130 feet)
More Land Details
Land Price History
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