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2653 NE Fern Glen Road, Poulsbo, WA, 98370

3beds
3baths
2,443sqft
$1,175,000
$481price/sqft
$7,238/moest. monthly cost
$289,520/yrincome needed

About This Home

100 feet of incredible waterfront with a private staircase to the pebble beach, charming beach cabana, and storage shed. Newly finished basement offers excellent potential for a short-term rental, guest suite, or private retreat. Bonus rooms galore and huge amounts of storage throughout. Enjoy stunning views of the Sound, Cascades, and Mt. Rainier from nearly every room of this meticulously maintained home. Soaring ceilings and walls of windows fill the space with natural light, while the open layout and large deck are perfect for entertaining. Two-car garage provides plenty of room for vehicles, toys, and storage. Second driveway for extra parking. Get ready for wonderful summers on the beach!!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

7/10
6/10
8/10
Olympic High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Poured Concrete
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Tri-Level
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished

Bathroom Full

  • Level: Second

Bathroom Three Quarter

  • Level: Lower

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Lower

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s)
  • Window features: Dbl Pane/Storm Window
  • Flooring: Other,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,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: 2,443
  • Total interior livable area: 2,443 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Rec Room

  • Level: Lower

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 44200000100101
  • Zoning: RR
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Fireplace,Walk-In Closet(s),Wine Cellar
  • Has view: Yes
  • View description: Mountain(s),Sound
  • Has water view: Yes
  • Water view: Sound
  • On waterfront: Yes
  • Waterfront features: Medium Bank
  • Frontage length: Waterfront Ft: 110'
  • Topography of land: Partial Slope

Lot

  • Lot size: 0.68 Acres
  • Features: Dead End Street,Paved,Secluded,Cabana/Gazebo,Deck,Fenced-Partially,High Speed Internet,Outbuildings,Outdoor Fireplace,Propane
  • Lot size dimensions: 90' x 90' x 10' x 227' x 79' x 24' x 296

Parking

  • Total spaces: 6
  • Parking features: Driveway,Detached Garage
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered spaces: 4

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
Heat Wave
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 $5,941$71,292
Home Insurance *$241$2,892
Property Taxes $889$10,668
Electricity $167$2,005
Total$7,238$86,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$248,160/yr
40% on housing$217,140/yr
45% on housing$193,013/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

$481This listing

vs Other Active Listings

Avg $/sqft

ZIP 98370$298
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
2026-07-29Price change$1,175,000
2026-06-10Price change$1,250,000
2026-05-14Listed for sale$1,350,000
2016-05-02Sold$522,000
2010-08-12Sold$412,000
2010-07-24Pending sale$425,000
2010-07-03Listed for sale$425,000
2007-09-21Sold$660,000

For Sale by Agent

AgentTayissa Gabreski
BrokerageKeller Williams Realty PS

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