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15670 NE Point Monroe Drive, Bainbridge Island, WA, 98110

3beds
2baths
1,716sqft
$2,375,000
$1,384price/sqft
$14,149/moest. monthly cost
$565,960/yrincome needed

About This Home

Set along the sought-after shores of Point Monroe, this extraordinary beach cottage embodies the rare harmony of timeless coastal beauty and modern luxury. Reimagined through a sumptuous 2024 renovation, the home remains essentially brand new, having never truly been lived in after its transformation. Every space reflects an uncompromising level of craftsmanship, creating a residence that feels fresh and refined. Rarely can you find low-bank waterfront of this caliber, where a stout continuous bulkhead provides lasting protection, creating the rare opportunity to enjoy beachfront living without worry. Here, sandy beaches stretch just beyond your deck, inviting morning walks as the sun rises over Puget Sound, illuminating the Cascade Mountains, Mount Rainier, and the distant Seattle skyline. As evening settles in, retreat to the western deck to watch the sun disappear behind the Olympic Mountains, ending each day with an unforgettable display of color across the sky. More than a neighborhood, Point Monroe is a close-knit community, a place where life slows to the rhythm of the tides and every day feels like an escape. The expansive primary suite occupies the entire upper level, offering exceptional privacy including two dedicated offices, a library, and a beautifully appointed spa-inspired ensuite designed as a peaceful retreat above it all. An extraordinary opportunity to own what lives as a newly built waterfront home in one of Bainbridge's most treasured coastal settings

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
35
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Very Good
  • Year built: 1949

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 2024

Type & Style

  • Home type: SingleFamily
  • Architectural style: 2 Story
  • 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)

Basement

  • Basement: None

Bathroom Three Quarter

  • Level: Second

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Den Office

  • Level: Second

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Loft
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Ceramic Tile,Hardwood,Vinyl,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Gas,Wood Burning,Main Level: 1,Upper Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Ductless,Fireplace Insert,Heat Pump,Electric
  • Cooling features: Ductless,Heat Pump,None

Interior Area

  • Total structure area: 1,716
  • Total interior livable area: 1,716 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 41550001110001
  • Special condition: Standard
  • Other equipment: Wired for Generator

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Fireplace,Fireplace (Primary Bedroom),French Doors,Loft,Skylight(s),Sprinkler System,Vaulted Ceiling(s),Walk-In Closet(s),Wine/Beverage Refrigerator,Wired for Generator
  • Has view: Yes
  • View description: City,Mountain(s),Sound
  • Has water view: Yes
  • Water view: Sound
  • On waterfront: Yes
  • Waterfront features: Low Bank
  • Topography of land: Level
  • Residential vegetation: Garden Space

Lot

  • Lot size: 3,920 sqft
  • Features: Paved,Cable TV,Deck,Electric Car Charging,Fenced-Fully,Fenced-Partially,Gas Available,Gated Entry,Patio,Propane,Rooftop Deck,Sprinkler System

Parking

  • Total spaces: 5
  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Heat Wave
Landslide
Tsunami

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 $12,009$144,108
Home Insurance *$441$5,292
Property Taxes $1,550$18,600
Electricity $149$1,793
Total$14,149$169,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$485,108/yr
40% on housing$424,470/yr
45% on housing$377,306/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

$1,384This listing

vs Other Active Listings

Avg $/sqft

ZIP 98110$514
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
2026-08-05Listed for sale$2,130,000
2004-03-16Sold$450,000

For Sale by Agent

AgentSebastian Bourgault
BrokerageThe Agency Bainbridge Island

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