89 Eliza Island, Bellingham, WA, 98226
About This Home
Searching for a private island getaway? These charming, tiny cabins on Eliza Island offer a rare opportunity to own a peaceful retreat in the San Juan Islands region of Whatcom County. Designed for simple living, one cabin features a cozy living area, loft bedroom, and the other a full kitchen and bathroom with a shower—perfect for weekend escapes off the grid. Situated on a quiet interior lot just shy of one acre, the property is surrounded by mature trees with easy access to nearby beaches, shoreline walks, and island exploration. A 3-bedroom septic is already installed, creating flexibility to build an additional cabin up to 1,450 sq ft and expand into a multi-cabin retreat. This property is especially well-suited for shared ownership—consider partnering with friends or colleagues to create your own private retreat experience. In addition to the cabins, the property offers space to host—bring tents, gather around the fire, and create your own camping experience. Spend your days exploring the beaches, paddleboarding, beachcombing, and enjoying the simple fun of being surrounded by nature. It’s the kind of place where memories are made. While short-term rentals are not allowed on Eliza Island, co-ownership offers a smart and enjoyable way to maximize use and make island living more accessible. Located approximately 20 minutes from Bellingham by boat, plane, or with the walk-on water taxi access available for added convenience. No rentals allowed.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Good
- Year built: 1995
Materials
- Roof: Composition
- Construction materials: Wood Siding,Wood Products
Notable Dates
- Major remodel year: 1995
Type & Style
- Home type: SingleFamily
- Architectural style: 1 Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Stove(s)/Range(s),Tankless Water Heater,Water Heater: Instant Hot,Water Heater Location: Back of Kitchen Cabin
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 1
Features
- Flooring: Laminate
Heating & Cooling
- Heating features: Wall Furnace,Propane,Solar (Unspecified)
- Cooling features: None
Interior Area
- Total structure area: 315
- Total interior livable area: 315 sqft
Property
Details
- Parcel number: 3702322742220000
- Zoning: EI
- Zoning description: Jurisdiction: County
- Special condition: Standard
- Other equipment: Leased Equipment: N/A
Features
- Levels: One
- Stories: 1
- Entry location: Main
- Patio & porch: Water Heater
- Has view: Yes
- View description: Territorial
- Topography of land: Partial Slope
- Residential vegetation: Brush,Wooded
Lot
- Lot size: 0.88 Acres
- Features: Secluded,Propane
Parking
- Parking features: None
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
- Avalanche
- Coastal Flooding
- Earthquake
How This Home’s Risks Compare
FEMA Declared Disasters in Whatcom County and Washington
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $935 | $11,220 |
| Home Insurance * | $33 | $396 |
| Property Taxes | $104 | $1,248 |
| Electricity | $149 | $1,793 |
| Total | $1,221 | $14,652 |
Income You'd Need if You Spent...
Washington FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Listed for sale | $199,500 |
| 2021-08-06 | Sold | $150,000 |
| 2021-06-17 | Pending sale | $150,000 |
| 2021-06-01 | Listed for sale | $150,000 |
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