2540 E Phinney Bay Place, Bremerton, WA, 98312
About This Home
Welcome to 2540 E Phinney Bay Pl—where elevated living meets breathtaking scenery. This beautifully updated, move-in ready home captures **sweeping water views, Olympic Mountain vistas, and unforgettable western sunsets**—a rare combination for buyers seeking lifestyle and location with over **$175,000 in upgrades and remodeling**, this home blends modern comfort with timeless appeal. Inside, you’ll find a **refreshed kitchen featuring Quartz countertops, stainless steel appliances, and open-concept flow** designed for both everyday living and entertaining. The home showcases **new flooring, fresh interior paint, updated bathrooms, and professionally leveled floors** on both levels, creating a seamless and polished feel throughout. Step outside to enjoy **dual decks ideal for hosting**, or unwind on your **private primary balcony** while taking in the sunset skies. The **fenced side-yard with fruit trees** offers added charm and functionality. Thoughtful upgrades include a **certified Arc Fault electrical panel and generator-ready setup**, providing peace of mind and modern efficiency. Set within a welcoming community and positioned to maximize light, views, and outdoor living, this home offers the perfect balance of **style, comfort, and Pacific Northwest beauty**. Homes like this don’t come around often—**schedule your private showing and experience Phinney Bay living at its finest.**
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1984
Materials
- Foundation: Block,Poured Concrete
- Roof: Composition
- Construction materials: Wood Siding
Notable Dates
- Major remodel year: 2024
Type & Style
- Home type: SingleFamily
- Architectural style: 2 Stories w/Bsmnt
- 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: Electric and Hybrid,Water Heater Location: Finished Basement & Prim Bathroom Closet
Basement
- Has basement: Yes
- Basement: Daylight,Finished
Bathroom Full
- Level: Third
Bathroom Full
- Level: Main
Bathroom Three Quarter
- Level: Third
Bedroom
- Level: Third
Bedroom
- Level: Third
Bedroom
- Level: Third
Bedroom
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
- Main level bathrooms: 1
Bonus Room
- Level: Lower
Den Office
- Level: Main
Dining Room
- Level: Main
Entry Hall
- Level: Main
Family Room
- Level: Second
Features
- Bath Off Primary,Ceiling Fan(s),Dining Room,Pantry
- Window features: Dbl Pane/Storm Window
- Flooring: Ceramic Tile,Vinyl,Vinyl Plank,Carpet
- Number of fireplaces: 2
- Fireplace features: Gas,Lower Level: 1,Main Level: 1,Fireplace
- Fireplace: Yes
Great Room
- Level: Main
Heating & Cooling
- Heating features: Fireplace,90%+ High Efficiency,Ductless,Heat Pump,High Efficiency (Unspecified),Electric,Natural Gas
- Cooling features: 90%+ High Efficiency,Ductless,Heat Pump,High Efficiency (Unspecified)
Interior Area
- Total interior livable area: 4,106 sqft
Kitchen With Eating Space
- Level: Main
Living Room
- Level: Main
Master Bedroom
- Level: Third
Other
- Level: Lower
Rec Room
- Level: Lower
Utility Room
- Level: Main
Property
Details
- Parcel number: 10240140992009
- Zoning: Incorporated Cities
- Zoning description: Jurisdiction: City
- Special condition: Standard
- Other equipment: Wired for Generator
Features
- Levels: Two
- Stories: 2
- Entry location: Main
- Patio & porch: Second Primary Bedroom,Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Pantry,Vaulted Ceiling(s),Water Heater,Wired for Generator
- Has spa: Yes
- Has view: Yes
- View description: Bay,Sound,Territorial
- Has water view: Yes
- Water view: Bay,Sound
- Topography of land: Partial Slope
- Residential vegetation: Fruit Trees,Garden Space
Lot
- Lot size: 0.28 Acres
- Features: Corner Lot,Cul-De-Sac,Dead End Street,Paved,Cable TV,Deck,Fenced-Partially,Gas Available,High Speed Internet,Hot Tub/Spa,Patio,Rooftop Deck
Parking
- Total spaces: 5
- Parking features: Driveway,Attached Garage,Off Street
- Has garage: Yes
- Covered spaces: 3
- Uncovered spaces: 2
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
- Coastal Flooding
- Heat Wave
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters in Kitsap County and Washington
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,550 | $54,600 |
| Home Insurance * | $229 | $2,748 |
| Property Taxes | $631 | $7,572 |
| Electricity | $280 | $3,370 |
| Total | $5,690 | $68,280 |
Income You'd Need if You Spent...
Washington FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-23 | Price change | $939,000 |
| 2026-03-09 | Listed for sale | $950,000 |
| 2023-01-17 | Listing removed | -- |
| 2022-11-13 | Price change | $775,000 |
| 2022-10-20 | Price change | $800,000 |
| 2022-10-12 | Price change | $860,000 |
| 2022-09-23 | Listed for sale | $875,000 |
| 1978-05-01 | Sold | $57,000 |
View on Zillow