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3506 281st Street, Ocean Park, WA, 98640

2beds
2baths
1,110sqft
$589,000
$531price/sqft
$3,641/moest. monthly cost
$145,640/yrincome needed

About This Home

Perched along 100 feet of pristine Willapa Bay waterfront, this one-of-a-kind coastal retreat captures breathtaking views of Long Island, endless skies, and unforgettable sunrises. From the moment you arrive, the peaceful rhythm of bayfront living invites you to slow down and savor every moment—whether it’s morning coffee on the deck or evening cocktails as the tide rolls in. The furnishings can be included with your purchase. The artwork and decorations will not.Inside, soaring ceilings and a dramatic wall of windows fill the open-concept living, dining, and kitchen area with natural light while framing the ever-changing water views. A cozy fireplace creates the perfect ambiance for misty coastal mornings and relaxing evenings at home. The comfortable primary suite offers an ensuite bath and generous closet space, while the guest bedroom, guest bath, and charming loft provide room for friends and loved ones to gather.With its warm character, stunning setting, and unmistakable coastal vibe, this rare Willapa Bay waterfront property is more than a home—it’s a lifestyle. Don’t miss the opportunity to own this beautiful and truly special retreat.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
3/10
Hilltop SchoolGrades 6-813.4 mi
5/10
Ilwaco Sr High SchoolGrades 9-1213.2 mi

Construction

Condition

  • Year built: 1992

Materials

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

Notable Dates

  • Major remodel year: 1992

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Refrigerator(s),Washer(s),Water Heater: Electric,Water Heater Location: Closet

Bathroom Three Quarter

  • Level: Main

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Loft
  • Window features: Dbl Pane/Storm Window
  • Flooring: Concrete,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Baseboard,Electric,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 1,110
  • Total interior livable area: 1,110 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Accessible Bedroom,Accessible Entrance

Details

  • Parcel number: 76040002005
  • Zoning: R1
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dbl Pane/Storm Window,Fireplace,Loft,Vaulted Ceiling(s),Water Heater
  • Has view: Yes
  • View description: Bay,Islands
  • Has water view: Yes
  • Water view: Bay
  • On waterfront: Yes
  • Waterfront features: Bayfront,No Bank,Saltwater
  • Frontage length: Waterfront Ft: 100
  • Topography of land: Level,Partial Slope

Lot

  • Lot size: 0.61 Acres
  • Features: Dead End Street,Value In Land,Deck,Outbuildings,Propane,RV Parking
  • Lot size dimensions: 100 x 250

Parking

  • Total spaces: 4
  • Parking features: Driveway,Off Street,RV Parking
  • Uncovered spaces: 4

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
Tsunami

FEMA Declared Disasters in Pacific 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 $2,978$35,736
Home Insurance *$175$2,100
Property Taxes $339$4,068
Electricity $149$1,793
Total$3,641$43,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,834/yr
40% on housing$109,230/yr
45% on housing$97,093/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$531This listing

vs Other Active Listings

Avg $/sqft

ZIP 98640$193
Pacific County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 98640
Pacific 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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$589,000
2026-05-31Listed for sale$589,000

For Sale by Agent

AgentTodd Brophy
BrokerageCentury 21 Pacific Realty

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