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437 Sunrise Road, Lopez Island, WA, 98261

2beds
2baths
1,191sqft
$799,000
$671price/sqft
$4,804/moest. monthly cost
$192,160/yrincome needed

About This Home

Priced to Sell! Charming two-bedroom cabin on a generous waterfront lot at the end of a quiet dead-end road. This warm, wood-lined home could be an ideal full-time residence or an easy vacation getaway. The main floor features a large entry, an open kitchen and great room with a propane fireplace, a pantry, a laundry room with a classic soapstone sink, a half bath, and an office that can double as guest space. Upstairs are two comfortable bedrooms and a ¾ bath. Storage is abundant throughout the home, and the spacious one-car garage with electric door provides covered parking, a dedicated workshop area, and ample tool space. An expansive, low-maintenance deck overlooks beautiful water views and the meadow below. The sloping hillside offers plenty of room for a large garden and/or orchard. Below the house is a private waterside deck—perfect for soaking up afternoon sun and watching the boat traffic in the channel between Lopez and Decatur. Access the water at the nearby community beach. One of the most affordable waterfront homes in the islands!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

6/10
Lopez Elementary SchoolGrades K-61.4 mi
6/10
Lopez Middle High SchoolGrades 7-121.4 mi

Construction

Condition

  • Property condition: Good
  • Year built: 2011

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,2 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Tankless Water Heater,Washer,Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater: instant,Water Heater Location: outside

Basement

  • Basement: None

Bathroom Three Quarter

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Den Office

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Pantry
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace features: See Remarks,Lower Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,See Remarks,Electric,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 1,191
  • Total interior livable area: 1,191 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 252550006000
  • Zoning description: Jurisdiction: County
  • Special condition: Standard
  • Other equipment: Leased Equipment: no

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,Fireplace,Pantry,Vaulted Ceiling(s),Water Heater
  • Has view: Yes
  • View description: Bay,Islands,Sea,Territorial
  • Has water view: Yes
  • Water view: Bay,Sea
  • On waterfront: Yes
  • Waterfront features: Medium Bank,Saltwater,Sea
  • Frontage length: Waterfront Ft: 120' approximate
  • Topography of land: Sloped,Steep Slope
  • Residential vegetation: Garden Space,Pasture,Wooded

Lot

  • Lot size: 0.70 Acres
  • Features: Dead End Street,Deck,Fenced-Partially,Outbuildings,Patio,Propane,Shop
  • Lot size dimensions: irregular

Parking

  • Total spaces: 1
  • Parking features: Attached Garage,Off Street
  • Has garage: Yes
  • Covered spaces: 1

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

  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Earthquake
Inland Flooding

FEMA Declared Disasters in San Juan 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 $4,040$48,480
Home Insurance *$159$1,908
Property Taxes $456$5,472
Electricity $149$1,793
Total$4,804$57,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,708/yr
40% on housing$144,120/yr
45% on housing$128,106/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: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$671This listing

vs Other Active Listings

Avg $/sqft

ZIP 98261$442
San Juan County$452

vs Homes Sold Last Month

Median $/sqft

ZIP 98261
San Juan County$599

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
2026-08-08Price change$725,000
2026-07-15Listed for sale$799,000

For Sale by Agent

AgentMorgan Jones
BrokerageWindermere RE Anacortes Prop.

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