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13123 Phelps Road NE, Bainbridge Island, WA, 98110

3beds
3baths
3,524sqft
$2,395,000
$680price/sqft
$14,353/moest. monthly cost
$574,120/yrincome needed

About This Home

Tucked behind a private gate and surrounded by a breathtaking botanical landscape, this exceptional one-level retreat offers a rare combination of modern design, privacy, and endless potential. Lovingly cultivated by a master gardener over many years, the grounds are a living work of art, showcasing an extraordinary collection of rare specimen plants, vibrant year-round color, and mature fruit trees that create a truly magical setting. Inside, soaring ceilings and expansive windows invite natural light while framing a tranquil canopy of evergreens. The immaculate three-bedroom, three-bath residence is thoughtfully designed for effortless everyday living, with clean architectural lines, open gathering spaces, and seamless connections to the surrounding landscape. Beneath the main level, a full-height daylight walk-out level presents an exciting opportunity to significantly expand the home’s living space; whether envisioned as a recreation room, guest suite, home office or exercise space. Step outside to explore private walking trails that wind through the property’s peaceful acreage, offering a level of seclusion that is increasingly difficult to find. Every season reveals something new, from colorful blooms and flowering trees to abundant fruit and ever-changing garden vistas. A rare offering where thoughtful architecture, extraordinary gardens, and remarkable privacy come together to create an estate that feels worlds away, yet remains conveniently close to everything.

Getting Around

23
WalkingCar-Dependent
25
TransitSome Transit
51
BikeBikeable

Schools

9/10
Woodward Middle SchoolGrades 7-82.4 mi
10/10
Bainbridge High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Poured Concrete
  • Roof: Metal
  • Construction materials: Cement Planked,Cement Plank

Notable Dates

  • Major remodel year: 2016

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Garbage Disposal,Microwave(s),Refrigerator(s),Washer(s)

Basement

  • Has basement: Yes
  • Basement: Daylight,Bath/Stubbed

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Main

Den Office

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room,High Tech Cabling,Pantry
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Hardwood,Slate,Travertine,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Fireplace,Ductless,Heat Pump,Radiant,Wall Furnace,Electric
  • Cooling features: Ductless,Heat Pump

Interior Area

  • Total structure area: 3,524
  • Total interior livable area: 3,524 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 03250230402008
  • Special condition: Standard
  • Other equipment: Leased Equipment: Propane Tank,Wired for Generator

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,French Doors,High Tech Cabling,Pantry,Skylight(s),Vaulted Ceiling(s),Walk-In Closet(s),Wired for Generator
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level,Partial Slope,Terraces
  • Residential vegetation: Fruit Trees,Garden Space,Wooded

Lot

  • Lot size: 2.47 Acres
  • Features: Paved,Deck,Dog Run,Fenced-Fully,Gated Entry,High Speed Internet,Patio,Propane,RV Parking

Parking

  • Total spaces: 5
  • Parking features: Attached Garage,RV Parking
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered spaces: 3

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Heat Wave
Landslide
Tsunami

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 $12,110$145,320
Home Insurance *$445$5,340
Property Taxes $1,557$18,684
Electricity $241$2,892
Total$14,353$172,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$492,102/yr
40% on housing$430,590/yr
45% on housing$382,746/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

$680This listing

vs Other Active Listings

Avg $/sqft

ZIP 98110$522
Kitsap County$293

vs Homes Sold Last Month

Median $/sqft

ZIP 98110$545
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)

Price History

DateEventPrice
2026-07-17Listed for sale$2,395,000
2016-05-20Sold$940,000
2015-03-03Sold$140,000

For Sale by Agent

AgentDana Fitzpatrick
BrokerageCOMPASS

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