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4391 SE Horstman Road, Pt Orchard, WA, 98366

2beds
2baths
1,960sqft
$435,000
$222price/sqft
$2,759/moest. monthly cost
$110,360/yrincome needed

About This Home

Full of opportunity, this 2-bedroom home with an additional room featuring a closet offers a functional layout and plenty of space to make your own. The main level features a kitchen with a breakfast bar, spacious living room with a fireplace, and a dining room with a pellet stove. Newer laminate flooring throughout the main level adds appeal. The lower level includes a spacious family room with a wood stove and a large laundry room. Situated on a generous .66-acre lot, the property features a fully fenced backyard area, along with a large deck with a partially covered area, two outbuildings for storage or hobbies, a detached one-car garage/shop, and an RV electrical hookup. Conveniently located with easy access to the Southworth Ferry, PSNS, Bangor, Keyport, and local amenities, this property offers both convenience and exceptional potential. Being sold AS-IS, it's a wonderful opportunity for buyers looking to update, personalize, and build equity.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

6/10
7/10
South Kitsap High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Average
  • Year built: 1977

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Split Entry
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Refrigerator(s)

Basement

  • Has basement: Yes
  • Basement: Daylight

Bathroom Full

  • Level: Main

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Bonus Room

  • Level: Main

Den Office

  • Level: Second

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Lower

Features

  • Ceiling Fan(s),Dining Room
  • Flooring: Laminate,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Wall Furnace,Electric,Pellet,Wood
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,960
  • Total interior livable area: 1,960 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Lower

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 30240240682001
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Entry location: Main
  • Patio & porch: Ceiling Fan(s),Dining Room,Fireplace
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level

Lot

  • Lot size: 0.66 Acres
  • Features: Paved,Deck,Fenced-Fully,Outbuildings

Parking

  • Total spaces: 1
  • Parking features: Detached Garage
  • Has garage: Yes
  • Covered spaces: 1

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 $2,199$26,388
Home Insurance *$109$1,308
Property Taxes $302$3,624
Electricity $149$1,793
Total$2,759$33,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,594/yr
40% on housing$82,770/yr
45% on housing$73,573/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

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 98366$233
Kitsap County$294

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
2026-07-13Listed for sale$435,000
1999-04-22Sold$95,000

For Sale by Agent

AgentCathy S Graham
BrokerageJohn L. Scott Belfair

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