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523 Mackinaw Lane, Chelan, WA, 98816

4beds
3baths
1,654sqft
$1,125,000
$680price/sqft
$6,773/moest. monthly cost
$270,920/yrincome needed

About This Home

Incredible turn-key, fully furnished 3bed/1.75bath 1,270sf home plus an ADDITIONAL 384sf 1bed/0.75bath ADU CARRIAGE HOUSE guest suite featuring a king bed, ensuite bathroom, kitchenette, living room and desk workspace. “On Lake Time” is ideally located in the heart of The Lookout, overlooking Vineyard Park with a large grassy lawn for play and community gatherings, just steps from the year-round heated Vineyard District pool. Enjoy exceptional outdoor living with a covered porch, private hot tub, Linderman custom fire pit, propane Weber grill, and outdoor dining/lounge area. Coastal Modern décor creates a clean, comfortable, and inviting feel throughout. The versatile floor plan comfortably sleeps 10 and features a primary bedroom on the main level plus 2 bedrooms upstairs (one with custom twin-over-queen bunk beds to sleep six) and a bonus/media room. Interior highlights include vaulted ceilings, engineered wood floors, quartz countertops, spacious kitchen with gas range, built-in bench dining, gas fireplace, updated lighting, and oversized windows. Additional features include a 1-car garage with EV charger and gigabit internet with wireless throughout. The Lookout offers community waterfront with sandy beach, 70-slip private marina, parks, pools, sports courts, and playgrounds. Active vacation rental with on-site management. Owners can stay in the carriage house while renting the main home, offering exceptional flexibility and additional rental income potential.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

8/10
Chelan Middle SchoolGrades 6-81.3 mi
3/10
Chelan High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2017

Materials

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

Notable Dates

  • Major remodel year: 2017

Other

  • Builder name: Harkey Construction

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,1 1/2 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),Water Heater: Electric,Water Heater Location: Main Floor

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room,High Tech Cabling
  • Window features: Dbl Pane/Storm Window
  • Flooring: Engineered Hardwood,Laminate,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Heat Pump,Electric
  • Cooling features: Forced Air,Heat Pump

Interior Area

  • Total structure area: 1,270
  • Total interior livable area: 1,654 sqft

Kitchen With Eating Space

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 272211570307
  • Zoning: Lookout PDD
  • Zoning description: Jurisdiction: City
  • Special condition: Standard
  • Other equipment: Leased Equipment: N/A

Features

  • Levels: One and One Half
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,High Tech Cabling,Hot Tub/Spa,Vaulted Ceiling(s),Water Heater
  • Has spa: Yes
  • Spa features: Indoor
  • Has view: Yes
  • View description: Mountain(s),Territorial
  • Topography of land: Level,Partial Slope

Lot

  • Lot size: 3,484 sqft
  • Features: Drought Resistant Landscape,Open Lot,Paved,Cable TV,Deck,Electric Car Charging,High Speed Internet,Hot Tub/Spa,Irrigation,Patio,Propane
  • Lot size dimensions: 90' x 39'

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached 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

  • Wildfire
    WildfireRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Wildfire
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Chelan 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 $5,688$68,256
Home Insurance *$345$4,140
Property Taxes $591$7,092
Electricity $149$1,793
Total$6,773$81,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$232,217/yr
40% on housing$203,190/yr
45% on housing$180,613/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
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 98816$466
Chelan County$365

vs Homes Sold Last Month

Median $/sqft

ZIP 98816$360
Chelan County$300

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
2026-03-12Listed for sale$1,125,000
2022-04-21Sold$1,280,000
2022-03-19Pending sale$1,260,000
2022-03-18Listed for sale$1,260,000
2017-09-15Sold$732,514

For Sale by Agent

AgentJohn Gasper
BrokerageWindermere RE/Lake Chelan

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