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4089 Rockaway Beach Road NE, Bainbridge Island, WA, 98110

5beds
5baths
3,147sqft
$1,850,000
$588price/sqft
$11,130/moest. monthly cost
$445,200/yrincome needed

About This Home

Set beside Bainbridge Island’s coveted Rockaway Beach with sweeping water views, this one-of-a-kind residence is built around its scenery. Walls of glass and an open, multi-level layout draw in views of Seattle, Puget Sound, the Cascades, and passing ferries. A sculptural staircase and elevator serve as the home's connective core, channeling daylight through every level and linking the spaces with ease. Outside, the top deck invites slow mornings with coffee and eagle sightings overhead, while Rockaway Beach Park sits just steps away. Watch for porpoises and orcas passing through the Sound, or head down to paddle out to Blakely Rock on a calm afternoon. A private sauna and cold plunge add a spa-like retreat to daily life. The ADU studio and loft, accessible via third floor walkway or via the main courtyard, offers independence and flexibility, ready to serve as a guest suite, hangout, rental, or home office. As evening falls, the Seattle skyline comes alive across the water, a view that changes with every hour of the day. Stellar views, thoughtful design, and a location that speaks for itself, this is ideal Bainbridge Island living.

Getting Around

0
WalkingCar-Dependent
13
TransitMinimal Transit
18
BikeSomewhat Bikeable

Schools

9/10
Woodward Middle SchoolGrades 7-83.5 mi
10/10
Bainbridge High SchoolGrades 9-122.8 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2003

Materials

  • Foundation: Poured Concrete
  • Roof: Metal
  • Construction materials: Cement/Concrete,Cement Planked,Metal/Vinyl,Wood Siding,Cement Plank

Notable Dates

  • Major remodel year: 2003

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Multi Level
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Garbage Disposal,Microwave(s),Refrigerator(s),Washer(s),Water Heater: Gas,Water Heater Location: First floor closet

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bathroom Three Quarter

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 3
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Bonus Room

  • Level: Second

Den Office

  • Level: Second

Entry Hall

  • Level: Lower

Features

  • Dining Room,Loft,Pantry
  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Bamboo/Cork,Ceramic Tile,Hardwood,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Gas,Main Level: 2,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Ductless,Forced Air,Heat Pump,Wall Furnace,Electric,Propane
  • Cooling features: Ductless,Forced Air,Heat Pump

Interior Area

  • Total structure area: 3,147
  • Total interior livable area: 3,147 sqft

Kitchen With Eating Space

  • Level: Second

Living Room

  • Level: Second

Master Bedroom

  • Level: Second

Other

  • Level: Main

Other

  • Level: Second

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 01240220152004
  • Special condition: Standard
  • Other equipment: Leased Equipment: propane tank,Wired for Generator

Features

  • Levels: Multi/Split
  • Entry location: Lower
  • Patio & porch: Dbl Pane/Storm Window,Dining Room,Elevator,Fireplace,Fireplace (Primary Bedroom),Jetted Tub,Loft,Pantry,Security System,Skylight(s),Vaulted Ceiling(s),Walk-In Closet(s),Water Heater,Wired for Generator
  • Spa features: Bath
  • Has view: Yes
  • View description: City,Mountain(s),Ocean,Sound
  • Has water view: Yes
  • Water view: Ocean,Sound
  • Topography of land: Sloped,Terraces
  • Residential vegetation: Garden Space

Lot

  • Lot size: 6,098 sqft
  • Features: Paved,Cable TV,Deck,Fenced-Partially,Patio,Propane,Rooftop Deck

Parking

  • Total spaces: 5
  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered spaces: 3

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Landslide

FEMA Declared Disasters in Kitsap 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 $9,354$112,248
Home Insurance *$344$4,128
Property Taxes $1,217$14,604
Electricity $215$2,583
Total$11,130$133,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$381,600/yr
40% on housing$333,900/yr
45% on housing$296,800/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$588This listing

vs Other Active Listings

Avg $/sqft

ZIP 98110$524
Kitsap County$293

vs Homes Sold Last Month

Median $/sqft

ZIP 98110$545
Kitsap County$302

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
2026-07-23Listed for sale$1,850,000
2022-07-22Sold$1,975,000
2022-06-20Pending sale$1,998,000
2022-06-09Listed for sale$1,998,000
2011-11-20Listing removed$300,000
2011-11-18Listed for sale$300,000
2011-07-23Listing removed$300,000
2011-07-16Price change$300,000
2011-04-17Price change$856,000
2011-02-25Listed for sale$300,000
2011-01-24Listing removed$856,000
2010-12-30Listed for sale$856,000
2010-12-01Sold$850,000
2010-07-08Price change$856,000
2009-11-23Price change$886,000
2009-09-08Listed for sale$988,000
1997-12-31Sold$5,000

For Sale by Agent

AgentHannah Holser
BrokerageCOMPASS

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