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2604 Vincent Way NW, Bremerton, WA, 98312

3beds
3baths
1,834sqft
$699,999
$382price/sqft
$4,392/moest. monthly cost
$175,680/yrincome needed

About This Home

Welcome home to this well-cared-for waterfront retreat, tucked into a quiet, established neighborhood in the Rocky Point community. Inside, you’ll find a spacious and functional floor plan designed for comfortable everyday living, featuring inviting spaces, ample natural light, and generously sized bedrooms. The home offers great flow for both daily routines and entertaining all of your favorite people. Recent updates include a brand-new HVAC system, new dishwasher, and new washing machine and dryer, along with the peace of mind that comes with a newer roof. Solar panels help keep utility bills impressively low, adding long-term efficiency and value. Outside, enjoy plenty of space to relax, garden, or host gatherings, plus the convenience of an attached garage and additional storage. Take in stunning views of the sound, occasional visits from all of the PNW wildlife, exceptional privacy, and the opportunity to kayak directly from your backyard at high tide, making the most of true waterfront living. Ideally located just minutes from the Puget Sound Naval Shipyard, ferry access to Seattle, shopping, dining, and local amenities, this home offers easy commuting while maintaining a peaceful, quiet vibe. A fantastic opportunity to enjoy Northwest living with comfort, convenience, and long-term value.

Getting Around

2
WalkingCar-Dependent
16
TransitMinimal Transit
25
BikeSomewhat Bikeable

Schools

5/10
2/10
4/10
Bremerton High SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1994

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Notable Dates

  • Major remodel year: 1994

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Daylight

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Lower

Bedroom

  • Level: Lower

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

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

Heating

  • Heating features: Forced Air,Electric

Interior Area

  • Total structure area: 1,834
  • Total interior livable area: 1,834 sqft

Master Bedroom

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 46700020100005
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • On waterfront: Yes
  • Waterfront features: Low Bank
  • Frontage length: Waterfront Ft: 83

Lot

  • Lot size: 0.27 Acres

Parking

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

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 $3,539$42,468
Home Insurance *$178$2,136
Property Taxes $526$6,312
Electricity $149$1,793
Total$4,392$52,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,582/yr
40% on housing$131,760/yr
45% on housing$117,120/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

$382This listing

vs Other Active Listings

Avg $/sqft

ZIP 98312$260
Kitsap County$293

vs Homes Sold Last Month

Median $/sqft

ZIP 98312$274
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
2026-05-01Price change$730,000
2026-04-08Price change$745,000
2026-03-20Price change$759,000
2026-02-13Price change$769,000
2026-01-22Listed for sale$775,000
2023-10-20Listing removed--
2023-09-20Price change$3,300
2023-08-24Listed for rent$3,500
2023-05-14Listing removed--
2023-04-15Listed for rent$3,500
2022-06-27Sold$715,000
2022-06-01Pending sale$650,000
2022-05-25Listed for sale$650,000
2021-02-24Sold$585,000
2021-02-03Pending sale$545,000
2021-01-30Listed for sale$545,000
1995-01-20Sold$183,971

For Sale by Agent

AgentMatthew Walker
BrokerageeXp Realty

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