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5132 West Shore Road, Anacortes, WA, 98221

1beds
2baths
1,298sqft
$1,550,000
$1,194price/sqft
$9,286/moest. monthly cost
$371,440/yrincome needed

About This Home

Nestled above the accessible shoreline, this medium waterfront home captures sweeping views of Cypress and Cone Islands, and the ever-changing light on Bellingham Channel. The sunsets are stunning over the islands. Rebuilt in 2007, the 972 SF cabin and the 326 SF studio apartment (complete with a full bath) blend modern comfort with timeless Northwest character. This home showcases cedar shingles, a durable roof, and a welcoming deck perfect for outdoor dining and watching the sunset. Inside, the cabin feels warm and inviting with a cozy fireplace, vaulted ceilings, and a generously size bedroom and guest bedroom plus a spacious 3/4 bath. A lovely path winds down to a beautiful beach, offering easy access to the shoreline and a peaceful place to unwind. A large shed offers a great place to store tools and bikes. Enjoy island life with the convenience of just a 7-minute ferry from Anacortes.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

6/10
6/10
Anacortes Middle SchoolGrades 6-84.8 mi
9/10
Anacortes High SchoolGrades 9-124.5 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1910

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 2007

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dryer(s),Microwave(s),Refrigerator(s),Washer(s)

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Entry Hall

  • Level: Main

Features

  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Softwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Wall Furnace,Electric,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 1,298
  • Total interior livable area: 1,298 sqft

Kitchen Without Eating Space

  • Level: Main

Property

Details

  • Parcel number: P68044
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,Fireplace,Skylight(s),Vaulted Ceiling(s),Wine/Beverage Refrigerator
  • Has view: Yes
  • View description: Bay,See Remarks,Sound,Strait
  • Has water view: Yes
  • Water view: Bay,Sound,Strait
  • On waterfront: Yes
  • Waterfront features: Medium Bank,Sound,Strait
  • Topography of land: Sloped

Lot

  • Lot size: 0.39 Acres
  • Features: Paved,Deck,Fenced-Partially,Outbuildings

Parking

  • Total spaces: 4
  • Parking features: Off Street
  • 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

How This Home’s Risks Compare

Earthquake
Coastal Flooding

FEMA Declared Disasters in Skagit 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 $7,837$94,044
Home Insurance *$308$3,696
Property Taxes $992$11,904
Electricity $149$1,793
Total$9,286$111,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$318,377/yr
40% on housing$278,580/yr
45% on housing$247,626/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: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,194This listing

vs Other Active Listings

Avg $/sqft

ZIP 98221$375
Skagit County$274

vs Homes Sold Last Month

Median $/sqft

ZIP 98221$384
Skagit County$330

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
2026-04-02Listed for sale$1,550,000
2006-05-10Sold$543,000

For Sale by Agent

AgentMargi Houghton
BrokerageWindermere RE Anacortes Prop.

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