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291 Pioneer Drive, Port Ludlow, WA, 98365

4beds
3baths
4,042sqft
$699,500
$173price/sqft
$4,396/moest. monthly cost
$175,840/yrincome needed

About This Home

Beautifully maintained 4000+ sq ft home with 2 finished floors of living space. Main level living with lower level potential for a Multi Generational home, OR rent out lower level with private access. Wood burning fireplaces on both levels. Bar space downstairs could be easily renovated to a kitchen. Main level Private Outdoor Courtyard for sunshine, garden planters & outdoor entertaining with built in BBQ. Wrap around deck off living room & primary BR. Vaulted ceilings on main level with spacious Living Room. Bonus space Office/Art Studio/Music room off Liv Room. Third BR adjacent to Utility & Garage is also multi use-exercise/office/ guest. Lots of storage in house & garage. Community Beach Club is just down the hill w/pools, pickle ball, beach combing. Miles of hiking trails! Inn at Port Ludlow for fine dining and Marina for your boat! Local amenities and major shopping 30 minutes away. Less than an hour to Seattle ferry and 90 minutes to SEA TAC Airport. See Virtual Tour to fully appreciate!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

6/10
4/10
Chimacum High SchoolGrades 7-126.3 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1970

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Wood Products

Notable Dates

  • Major remodel year: 1970

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story w/Bsmnt.
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Refrigerator(s),Washer(s),Water Heater: Electric,Water Heater Location: Garage & Lower level

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Lower

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Bonus Room

  • Level: Main

Den Office

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Lower

Features

  • Bath Off Primary,Dining Room
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Vinyl,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning,Lower Level: 1,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Lower

Heating & Cooling

  • Heating features: Fireplace,Heat Pump,Electric,Wood
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 4,042
  • Total interior livable area: 4,042 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Rec Room

  • Level: Lower

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 990600382
  • Zoning: MPR-SF-4
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Pool features: Community
  • Patio & porch: Bath Off Primary,Dbl Pane/Storm Window,Dining Room,Fireplace,Vaulted Ceiling(s),Water Heater
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level,Partial Slope
  • Residential vegetation: Garden Space

Lot

  • Lot size: 0.32 Acres
  • Features: Dead End Street,Paved,Deck,Patio
  • Lot size dimensions: 13,939 sq ft

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 2

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
    EarthquakeRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Earthquake
Winter Weather
Coastal Flooding
Ice Storm

FEMA Declared Disasters in Jefferson 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 $3,537$42,444
Home Insurance *$155$1,860
Property Taxes $428$5,136
Electricity $276$3,317
Total$4,396$52,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,720/yr
40% on housing$131,880/yr
45% on housing$117,226/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: 12.2%
12.2%
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

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 98365$322
Jefferson County$282

vs Homes Sold Last Month

Median $/sqft

ZIP 98365
Jefferson County$360

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)

Price History

DateEventPrice
2026-04-01Price change$719,000
2026-01-20Price change$729,000
2025-10-20Listed for sale$759,000
2004-06-24Sold$319,000

For Sale by Agent

AgentDana Petrick
BrokeragePort Ludlow Brokers LLC

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