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37938 Theo Lane, Concrete, WA, 98237

4beds
3baths
3,904sqft
$1,795,000
$460price/sqft
$11,059/moest. monthly cost
$442,360/yrincome needed

About This Home

Stunning 1.88-Acre Skagit River Property! This spacious 4-bedroom, 3-bath home offers 3,904 sq ft of elegant living, including two en suite bedrooms. The large kitchen is perfect for entertaining, opening to a patio that overlooks the river. A grand gas fireplace anchors the living room, with large windows that bring in the beauty of nature. Enjoy the comfort of heated bathroom floors, walk-in showers, a pellet stove, and thoughtful touches throughout. Situated along the high bank, this property offers privacy, mountain views, and fishing from your backyard. The heated and insulated detached shop features a half bath, ideal for hobbies or projects. Additional highlights include dedicated hookups for a hot tub and generator, LeafGuard gutters, and more. Located 20 mins from I-5 in the Birdsview area. Country living at its best!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
Lyman Elementary SchoolGrades K-66.9 mi
3/10
Cascade Middle SchoolGrades 7-813.9 mi
6/10

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Concrete Ribbon
  • Roof: Metal
  • Construction materials: Cement Planked,Wood Products,Cement Plank

Type & Style

  • Home type: SingleFamily
  • Architectural style: 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: Propane,Water Heater Location: Garage

Bathroom Full

  • Level: Second

Bathroom Three Quarter

  • Level: Main

Bathroom Three Quarter

  • Level: Second

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second

Den Office

  • Level: Second

Dining Room

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Dining Room,Pantry
  • Flooring: Ceramic Tile,Hardwood,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Gas,Pellet Stove,Main Level: 2,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Heat Pump,Electric,Pellet,Propane
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,904
  • Total interior livable area: 3,904 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: P108084
  • Special condition: Standard
  • Other equipment: Leased Equipment: Propane Tank/Skagit Farm Supply,Wired for Generator

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dining Room,Fireplace,Pantry,Security System,Vaulted Ceiling(s),Walk-In Closet(s),Water Heater,Wired for Generator
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: High Bank
  • Topography of land: Level

Lot

  • Lot size: 1.88 Acres
  • Features: Cul-De-Sac,Paved,Secluded,Cable TV,Deck,High Speed Internet,Patio,Propane,RV Parking,Shop

Parking

  • Total spaces: 5
  • Parking features: Detached Carport,Attached Garage,Detached Garage,RV Parking
  • Has garage: Yes
  • Covered spaces: 5
  • Carport: Yes

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Volcanic Activity
    Volcanic ActivityRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Volcanic Activity
Winter Weather
Earthquake

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 $9,076$108,912
Home Insurance *$378$4,536
Property Taxes $1,338$16,056
Electricity $267$3,204
Total$11,059$132,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$379,165/yr
40% on housing$331,770/yr
45% on housing$294,906/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

$460This listing

vs Other Active Listings

Avg $/sqft

ZIP 98237$165
Skagit County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 98237$223
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)

No zestimate history available

Price History

DateEventPrice
2026-02-06Listed for sale$1,795,000
2025-11-08Listing removed$1,849,000
2025-05-21Listed for sale$1,849,000

For Sale by Agent

AgentVeronica Guffie, John L. Scott Skagit
BrokerageJohn L. Scott Skagit

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