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5854 Packard Lane NE, Bainbridge Island, WA, 98110

2beds
2baths
1,900sqft
$2,300,000
$1,211price/sqft
$13,728/moest. monthly cost
$549,120/yrincome needed

About This Home

Eagle Harbor waterfront oasis with privacy galore. Low bank pier with floating dock you can stroll onto from your front door! A True deep water dock that can accommodate a 65+ft boat with a keel up to 10ft. Dock equipped w/water & marine grade electrical post for secure and easy boat moorage. Enjoy wild birds nesting, seals frolicking & otters gliding by from the home's deck. This experience feels like you're in the trees at the water’s edge. End of pier deck for cocktails & dinner parties entertained by the seals w/their babies & unparalleled 360 views of sunrises over Seattle & sunsets over the Olympic Mountains. Friends w/boats may use the 2 private registered moorage balls to join the pier party by boat, should the dock already be full. The turnkey home allows secure time away while cruising the waters of the PNW. A Chef's kitchen with broad water views that makes any meal prep & cleanup feel serene. Rock terraces & mature gardens make yardwork minimal & avail more time for paddle boarding & kayaking off the dock. Entertainment can flow inside to outside w/roll-up glass doors, a large courtyard and rock terraces to host outdoor fires! This home provides so many opportunities to feel the Pacific Northwest in all its grandeur. Privacy, views, boating, gardening, entertaining and the simple pleasures of watching wildlife in their habitat. A perfect place to call home! In addition to the deep water dock there're two registered mooring buoys.

Getting Around

3
WalkingCar-Dependent
26
TransitSome Transit
31
BikeSomewhat Bikeable

Schools

9/10
Woodward Middle SchoolGrades 7-82.2 mi
10/10
Bainbridge High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1976

Materials

  • Foundation: Poured Concrete
  • Roof: Metal
  • Construction materials: Cement/Concrete

Notable Dates

  • Major remodel year: 2018

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,2 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,See Remarks,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater Location: Lower level

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Lower

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Lower

Entry Hall

  • Level: Lower

Features

  • Bath Off Primary,Ceiling Fan(s),High Tech Cabling
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window
  • Flooring: Concrete,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Lower Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Radiant,Radiator,Electric,Propane,See Remarks
  • Cooling features: None

Interior Area

  • Total structure area: 1,900
  • Total interior livable area: 1,900 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Other

  • Level: Lower

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 35250220742001
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Lower
  • Patio & porch: Second Kitchen,Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Fireplace,French Doors,High Tech Cabling,Walk-In Closet(s)
  • Has view: Yes
  • View description: Bay,City,See Remarks,Sound,Territorial
  • Has water view: Yes
  • Water view: Bay,Sound
  • On waterfront: Yes
  • Waterfront features: Medium Bank,Bulkhead,Saltwater,Sound
  • Frontage length: Waterfront Ft: 115 Lowbank Bulkhead
  • Topography of land: Level,Partial Slope,Sloped,Terraces
  • Residential vegetation: Garden Space,Wooded

Lot

  • Lot size: 1.15 Acres
  • Features: Dead End Street,Drought Resistant Landscape,Paved,Secluded,Cable TV,Deck,Dock,High Speed Internet,Moorage,Outbuildings,Patio,Propane
  • Lot size dimensions: 252' x 119' x 286' x 117'

Parking

  • Total spaces: 5
  • Parking features: Driveway
  • Uncovered spaces: 5

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 $11,630$139,560
Home Insurance *$427$5,124
Property Taxes $1,522$18,264
Electricity $149$1,793
Total$13,728$164,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$470,674/yr
40% on housing$411,840/yr
45% on housing$366,080/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

$1,211This listing

vs Other Active Listings

Avg $/sqft

ZIP 98110$515
Kitsap County$292

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
2026-07-26Listed for sale$2,300,000
2005-05-26Sold$700,000
2004-07-20Sold$588,250

For Sale by Agent

AgentKimberly H McLaughlin
BrokerageCOMPASS

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