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28389 State Highway 3 NE, Poulsbo, WA, 98370

2beds
2baths
1,916sqft
$625,000
$326price/sqft
$3,890/moest. monthly cost
$155,600/yrincome needed

About This Home

Fantastic gated 2+acre property in the heart of Kitsap County, ideally located near Poulsbo, Silverdale, Keyport, and Bangor Naval Base. Enjoy the convenience of being just minutes from shopping, dining, schools, parks, ferries, and major commuter routes while surrounded by the privacy and space of your own Pacific Northwest retreat.The property features a comfortable 2-bedroom, 2-bath home with a functional floor plan and plenty of opportunity to update, personalize, or expand to fit your vision. Whether you're searching for a primary residence, investment property, or a live-work opportunity in Kitsap County, this property offers exceptional flexibility.A standout feature is the 1400+ sq ft shop, providing abundant space for storage, hobbies, equipment, vehicles, or a workshop. The shop may also offer commercial use potential, making it an excellent option for contractors, small business owners, or entrepreneurs (buyer to verify all permitted uses, zoning, and commercial opportunities).The level, usable acreage offers room for RV parking, boats, trailers, gardens, outdoor recreation, or future improvements. With a secure gated entrance, ample parking, and endless possibilities, this property is ready for your ideas. Conveniently located near Naval Base Kitsap, the Olympic Peninsula, and the Seattle ferry system, you'll enjoy the perfect balance of rural privacy and everyday accessibility. Don't miss this unique opportunity!

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

6/10
Vinland Elementary SchoolGrades PK-54.2 mi
8/10
10/10
North Kitsap High SchoolGrades 9-126.0 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Poured Concrete
  • Roof: Metal
  • Construction materials: Wood Siding,Wood Products

Notable Dates

  • Major remodel year: 1997

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: Electric

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Bath Off Primary
  • Flooring: Hardwood,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Stove/Free Standing,Electric,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 1,916
  • Total interior livable area: 1,916 sqft

Property

Details

  • Parcel number: 23270120112000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Fireplace,Vaulted Ceiling(s),Water Heater
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level
  • Residential vegetation: Garden Space,Wooded

Lot

  • Lot size: 2.29 Acres
  • Features: Fenced-Partially,Outbuildings,Patio,Propane,RV Parking,Shop

Parking

  • Total spaces: 2
  • Parking features: Attached Carport,Driveway,Detached Garage,Off Street,RV Parking
  • Has garage: Yes
  • Covered spaces: 2
  • 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

  • Earthquake
    EarthquakeRelatively High
  • Landslide
    LandslideRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Landslide
Heat Wave

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 $3,160$37,920
Home Insurance *$128$1,536
Property Taxes $453$5,436
Electricity $149$1,793
Total$3,890$46,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,371/yr
40% on housing$116,700/yr
45% on housing$103,733/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

$326This listing

vs Other Active Listings

Avg $/sqft

ZIP 98370$302
Kitsap County$293

vs Homes Sold Last Month

Median $/sqft

ZIP 98370$307
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
2026-07-16Listed for sale$625,000
2025-12-12Sold$570,000
2025-11-04Pending sale$599,000
2025-10-24Price change$599,000
2025-09-30Price change$625,000
2025-09-15Listed for sale$649,000

For Sale by Agent

AgentTerra Wright Knudsen
BrokerageBainbridge Homes Real Estate

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