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4204 S Bermuda Rd, Kennewick, WA, 99338

4beds
3baths
2,502sqft
$589,999
$236price/sqft
$3,739/moest. monthly cost
$149,560/yrincome needed

About This Home

MLS# 292604 If you’re dreaming of peaceful country living, this Rancho Reata gem offers the perfect balance of space, comfort, and charm. Set on nearly an acre of beautifully landscaped grounds and offering over 2,500 square feet of living space. Step inside to a welcoming foyer that opens to a bright front room. Just beyond, a cozy bonus nook offers the perfect spot to start your day, whether you prefer morning greenery or a quiet retreat with your favorite music. At the heart of the home, the spacious kitchen anchors the main floor, with both a flexible bonus room perfect for a dining room, home office or creative space and a warm, inviting lower living room complete with a gas stone fireplace. The open layout makes entertaining effortless, whether guests are gathered around the oversized island or relaxing nearby. Upstairs, you’ll find four generously sized bedrooms and a full bath, including a primary suite featuring a walk-in closet and private ensuite. The lower level adds even more functionality with a ¾ bath and a large, separate laundry room. Outside, the property truly shines with mature landscaping, blooming trees, garden beds, and equestrian-ready amenities including a stall with loafing shed, paddock and an extra metal shed. Complete your country experience with a chicken coop and ample room to add a shop. Located directly on community walking/riding trails, this property is a dream for outdoor enthusiasts. With fresh paint and new carpet throughout, this move-in-ready home invites you to settle in and start enjoying everything it has to offer. *Some photos digitally staged*

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
16
BikeSomewhat Bikeable

Schools

7/10
Amon Creek ElementaryGrades PK-52.5 mi
5/10
7/10
Kamiakin High SchoolGrades 9-125.4 mi

Construction

Condition

  • Property condition: Existing Construction (Not New)
  • Year built: 1986

Materials

  • Foundation: Concrete
  • Roof: Comp Shingle
  • Construction materials: Concrete Board

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Disposal,Range/Oven,Refrigerator,Washer,Central Vacuum,Water Purifier,Water Heater
  • Laundry features: Laundry Chute,Sink

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 2

Features

  • Vaulted Ceiling(s),Storage,Utility Closet,See Remarks,Ceiling Fan(s)
  • Window features: Double Pane Windows,Windows - Vinyl,Windows - Metal,Drapes/Curtains/Blinds,Skylight(s)
  • Flooring: Carpet,Laminate,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: 1,Gas,Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 2,502
  • Total interior livable area: 2,502 sqft

Property

Details

  • Parcel number: 103882020006008
  • Zoning description: Residential

Features

  • Levels: Tri-Level
  • Patio & porch: Patio/Open
  • Exterior features: See Remarks,Irrigation
  • Fencing: Partial

Lot

  • Lot size: 0.96 Acres
  • Features: Animals Allowed,Located in County,See Remarks,Garden

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Finished,Off Street,RV Parking - Open,3 car
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered 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

  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Wildfire
Winter Weather
Cold Wave
Heat Wave
Ice Storm

FEMA Declared Disasters in Benton 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 $2,983$35,796
Home Insurance *$167$2,004
Property Taxes $418$5,016
Electricity $171$2,053
Total$3,739$44,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,194/yr
40% on housing$112,170/yr
45% on housing$99,706/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: 14.6%
14.6%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.4%
5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 99338$251
Benton County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 99338$274
Benton County$248

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
2026-05-01Listed for sale$599,999

For Sale by Agent

AgentJoshua Shinabarger
BrokerageHomeSmart Elite Brokers

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