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10395 NE Pine Way, Bainbridge Island, WA, 98110

3beds
1baths
1,356sqft
$500,000
$369price/sqft
$3,096/moest. monthly cost
$123,840/yrincome needed

About This Home

A lovely, serene lot to build your dream home! Over an acre of peace and quiet to work with. A large building site, nicely treed, with a lot of options. There is a lovely open space behind the existing house to start from scratch with your own design. A large yard in front of the house is waiting for your landscaping touch. Water and power are in place, so bring your plans and get started! The value is in the land, there is a huge shed in back of the lot, which is great covered storage. Just a short ride to the ferry, minutes to walking trails. A real opportunity awaits.

Getting Around

1
WalkingCar-Dependent
11
TransitMinimal Transit
41
BikeSomewhat Bikeable

Schools

9/10
Woodward Middle SchoolGrades 7-83.0 mi
10/10
Bainbridge High SchoolGrades 9-122.2 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1960

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 1960

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: Elect,Water Heater Location: Util RM

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Flooring: Hardwood,Carpet
  • Fireplace features: Wood Burning

Heating & Cooling

  • Heating features: Stove/Free Standing,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 1,356
  • Total interior livable area: 1,356 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 02240210082004
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Water Heater
  • Topography of land: Level
  • Residential vegetation: Brush,Garden Space,Wooded

Lot

  • Lot size: 1.18 Acres
  • Features: Dead End Street,Value In Land,Deck,Outbuildings,RV Parking

Parking

  • Parking features: Off Street,RV Parking

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 $2,528$30,336
Home Insurance *$93$1,116
Property Taxes $326$3,912
Electricity $149$1,793
Total$3,096$37,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,148/yr
40% on housing$92,880/yr
45% on housing$82,560/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

$369This listing

vs Other Active Listings

Avg $/sqft

ZIP 98110$531
Kitsap County$294

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
2026-07-15Listed for sale$500,000
2026-06-20Pending sale$500,000
2026-06-16Listed for sale$500,000
1998-07-14Sold$163,000

For Sale by Agent

AgentBonnie M. Upham
BrokerageKW Greater Seattle

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