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618 Finnegan Way, Friday Harbor, WA, 98250

3beds
2baths
1,056sqft
$479,500
$454price/sqft
$2,964/moest. monthly cost
$118,560/yrincome needed

About This Home

Check out this like-new home on San Juan Island! It’s got a great layout with a bedroom and bathroom on the main floor, plus upstairs you’ll find the primary bedroom with a walk-in closet, a third bedroom, a full bathroom, and a roomy laundry area.The home features stainless steel appliances, vaulted ceilings, and durable laminate flooring. It’s also set up for high-speed fiber optic internet if you need to stay connected.Enjoy sunny, south-facing decks on both levels—perfect for relaxing or hanging out with friends. You’re just a short distance to downtown Friday Harbor, schools, and sports fields. Neighborhood offers a community sunny picnic area out your front door. There’s extra storage under the house and the road is paved for easy access. By appt.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
9/10
Friday Harbor High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Good
  • Year built: 2022

Materials

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

Other

  • Builder name: Lee Construction

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Garbage Disposal,Microwave(s),Refrigerator(s),Water Heater: elec,Water Heater Location: upper floor

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Entry Hall

  • Level: Main

Features

  • Window features: Dbl Pane/Storm Window
  • Flooring: Laminate,Carpet

Heating & Cooling

  • Heating features: Wall Furnace,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,056
  • Total interior livable area: 1,056 sqft

Kitchen Without Eating Space

  • Level: Main

Master Bedroom

  • Level: Second

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 351167017
  • Zoning: res
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,Vaulted Ceiling(s),Walk-In Closet(s),Water Heater
  • Topography of land: Level,Partial Slope

Lot

  • Lot size: 1,742 sqft
  • Features: Paved,Deck,High Speed Internet

Parking

  • Parking features: Off Street

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
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Winter Weather
Coastal Flooding
Cold Wave
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 $2,424$29,088
Home Insurance *$108$1,296
Property Taxes $283$3,396
Electricity $149$1,793
Total$2,964$35,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,622/yr
40% on housing$88,920/yr
45% on housing$79,040/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

$454This listing

vs Other Active Listings

Avg $/sqft

ZIP 98250$486
San Juan County$455

vs Homes Sold Last Month

Median $/sqft

ZIP 98250
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
2026-05-18Listed for sale$479,500
2023-11-22Sold$455,000

For Sale by Agent

AgentMichele Mayer
BrokerageColdwell Banker San Juan Is.

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