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3542 NW Lowell Street, Silverdale, WA, 98383

2beds
1baths
1,636sqft
$525,000
$321price/sqft
$3,322/moest. monthly cost
$132,880/yrincome needed

About This Home

Charming move-in ready home in the heart of Old Town Silverdale! This 1,276 sq ft home pairs its 1916 character with modern functionality. Spacious living area with hardwood floors throughout main floor. Updated kitchen with custom cabinets. Main floor primary bedroom, full bathroom and a versatile bonus room or den. Upstairs you’ll find a large bedroom with a built-in desk, perfect for a home office, plus additional attic storage space. Outside, enjoy the mature landscaping, large parking area and storage shed. All of this is situated in an incredibly convenient location next to Silverdale’s Waterfront Park, restaurants, shopping and top-rated Central Kitsap schools. Truly a rare find!

Getting Around

62
WalkingSomewhat Walkable
30
TransitSome Transit
63
BikeBikeable

Schools

6/10
6/10
9/10

Construction

Condition

  • Year built: 1916

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Wood Siding,Wood Products,Cement Plank

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 1/2 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Refrigerator(s),Water Heater: Gas,Water Heater Location: Utility Room

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Den Office

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window
  • Flooring: Hardwood,Carpet

Heating & Cooling

  • Heating features: Forced Air,Electric,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,636
  • Total interior livable area: 1,636 sqft

Kitchen With Eating Space

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 44580020100003
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,French Doors,Water Heater
  • Topography of land: Level

Lot

  • Lot size: 4,791 sqft
  • Features: Paved,Sidewalk,Outbuildings,Patio

Parking

  • Parking features: Driveway

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
Heat Wave
Landslide

FEMA Declared Disasters in Kitsap County and Washington

Fire
Flood
Mud Landslide
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,654$31,848
Home Insurance *$123$1,476
Property Taxes $396$4,752
Electricity $149$1,793
Total$3,322$39,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,897/yr
40% on housing$99,660/yr
45% on housing$88,586/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$321This listing

vs Other Active Listings

Avg $/sqft

ZIP 98383$260
Kitsap County$293

vs Homes Sold Last Month

Median $/sqft

ZIP 98383$295
Kitsap County$302

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-08Pending sale$525,000
2026-06-25Listed for sale$525,000

For Sale by Agent

AgentShari Royston
BrokerageKeller Williams Greater 360

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