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3538 Beach Drive E, Port Orchard, WA, 98366

5beds
4baths
4,474sqft
$1,295,000
$289price/sqft
$8,144/moest. monthly cost
$325,760/yrincome needed

About This Home

Classic Waterfront Estate with Gated Entry, Mature Landscaping, Cottage/ADU, 2 Detached Garages, Gazebo and the Main House. It has Brick Lined Driveway, Walkway, Patios and Flower Beds. The Cottage has 1 Bed, 1 Bath with Kitchen, Dining and Great Room. It is on one floor and has easy access to each room. There are 2 Detached Garages, a 1 Car and a 2 Car with Large Workshop. The Main House has Oak Hardwood Floors, Coved Ceilings, Lots of Built-ins and Leaded Windows. The Waterfront has a concrete Bulkhead with Stairs to the Beach and a Gazebo with Views of the Rich Passage, Ferry Lanes, Olympic Mountains, West Bremerton, Manette, Bainbridge Island and lots of Wildlife. Fully Fenced and a Private Setting.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
7/10
South Kitsap High SchoolGrades 9-122.7 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1930

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story w/Bsmnt.
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Refrigerator(s),Water Heater: Electric,Water Heater Location: Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Lower

Bedroom

  • Level: Lower

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

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

Den Office

  • Level: Lower

Dining Room

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Lower

Features

  • Flooring: Concrete
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 3,426
  • Total interior livable area: 4,474 sqft

Kitchen With Eating Space

  • Level: Main

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Lower

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 17240230282009
  • Zoning: Residential
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Fireplace,Walk-In Closet(s),Water Heater
  • Has view: Yes
  • View description: Bay,Sea,Sound,Strait
  • Has water view: Yes
  • Water view: Bay,Sound,Strait
  • On waterfront: Yes
  • Waterfront features: Low Bank,Saltwater,Sound,Strait
  • Frontage length: Waterfront Ft: 100'
  • Topography of land: Level,Terraces
  • Residential vegetation: Brush,Garden Space

Lot

  • Lot size: 0.41 Acres
  • Features: Paved,Secluded,Cabana/Gazebo,Cable TV,Deck,Fenced-Fully,Gated Entry,Outbuildings,Patio,Propane,RV Parking,Shop,Sprinkler System

Parking

  • Total spaces: 3
  • Parking features: Detached Garage,RV Parking
  • Has garage: Yes
  • Covered 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

  • Earthquake
    EarthquakeVery High
  • Landslide
    LandslideRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Landslide
Coastal Flooding
Heat Wave
Winter Weather

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 $6,548$78,576
Home Insurance *$326$3,912
Property Taxes $964$11,568
Electricity $306$3,672
Total$8,144$97,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$279,222/yr
40% on housing$244,320/yr
45% on housing$217,173/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

$289This listing

vs Other Active Listings

Avg $/sqft

ZIP 98366$231
Kitsap County$293

vs Homes Sold Last Month

Median $/sqft

ZIP 98366$306
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
2026-05-03Price change$1,325,000
2026-03-20Price change$1,375,000
2026-01-31Price change$1,395,000
2025-11-14Price change$1,495,000
2025-10-03Price change$1,595,000
2025-07-01Listed for sale$1,695,000
2004-09-13Sold$95,000
1995-09-08Sold$516,000
1995-04-13Sold$27,000
1994-06-28Sold$135,000

For Sale by Agent

AgentDennis Morrow
BrokerageGreat Northwest Real Estate

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