11822 Carter Avenue SW, Pt Orchard, WA, 98367
About This Home
Rare opportunity to own a move-in ready Port Orchard rambler with an assumable VA loan at just 4.49%—a valuable advantage in today's market for qualified buyers! Located on a quiet street with easy access to WA-16, this home offers a convenient commute to Bangor Base and is just minutes from Fernwood and Bethel shopping, dining, and everyday amenities. The inviting open-concept floor plan seamlessly connects the living, dining, and kitchen areas, creating a comfortable space for entertaining and daily living. The updated kitchen and bathroom provide modern style and functionality, while all appliances stay, making this home truly move-in ready. Featuring 3 bedrooms plus a versatile flex room, you'll have space for a 4th bedroom, home office, rec room, or fitness area. Step outside to a large, fully fenced backyard with a covered patio, perfect for year-round enjoyment. There's plenty of room to garden, play, entertain, or simply relax in the peaceful surroundings. Additional highlights include RV and boat parking, NO HOA, and a well-maintained condition throughout. Combining affordable assumable financing, flexible living spaces, and a desirable location near shopping, local amenities, and waterfront recreation, this home offers exceptional value and lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1974
Materials
- Foundation: Poured Concrete
- Roof: Composition
- Construction materials: Wood Products
Type & Style
- Home type: SingleFamily
- Architectural style: 1 Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater: Electric,Water Heater Location: Laundry Room
Basement
- Basement: None
Bathroom Full
- Level: Main
Bedroom
- Level: Main
Bedroom
- Level: Main
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 3
Den Office
- Level: Main
Dining Room
- Level: Main
Entry Hall
- Level: Main
Features
- Flooring: Ceramic Tile,Hardwood,Laminate
- Number of fireplaces: 1
- Fireplace features: Main Level: 1,Fireplace
- Fireplace: Yes
Heating & Cooling
- Heating features: Fireplace,Baseboard,Wall Furnace,Electric,Wood
- Cooling features: None
Interior Area
- Total structure area: 1,392
- Total interior livable area: 1,392 sqft
Kitchen With Eating Space
- Level: Main
Living Room
- Level: Main
Utility Room
- Level: Main
Property
Details
- Parcel number: 47980100180007
- Special condition: Standard
- Other equipment: Leased Equipment: None
Features
- Levels: One
- Stories: 1
- Entry location: Main
- Patio & porch: Fireplace,Water Heater
- Has view: Yes
- View description: Territorial
- Topography of land: Level
- Residential vegetation: Garden Space
Lot
- Lot size: 9,147 sqft
- Features: Paved,Cable TV,Dog Run,Fenced-Fully,Patio,RV Parking
Parking
- Parking features: Off Street,RV Parking
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
- Heat Wave
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters in Kitsap County and Washington
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,199 | $26,388 |
| Home Insurance * | $91 | $1,092 |
| Property Taxes | $302 | $3,624 |
| Electricity | $149 | $1,793 |
| Total | $2,741 | $32,892 |
Income You'd Need if You Spent...
Washington FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-09 | Price change | $425,000 |
| 2026-07-23 | Price change | $435,000 |
| 2026-07-02 | Listed for sale | $440,000 |
| 2024-07-19 | Listing removed | -- |
| 2024-07-16 | Price change | $2,300 |
| 2024-07-04 | Price change | $2,500 |
| 2024-06-22 | Listed for rent | $2,800 |
| 2022-05-03 | Sold | $440,000 |
| 2022-03-30 | Pending sale | $399,000 |
| 2022-03-24 | Listed for sale | $399,000 |
| 2018-02-09 | Sold | $215,000 |
| 2018-02-09 | Listed for sale | $215,000 |
| 2017-12-15 | Pending sale | $215,000 |
| 2017-12-12 | Listed for sale | $215,000 |
| 2013-07-16 | Sold | $159,950 |
| 2013-01-24 | Sold | $97,500 |
| 2012-12-08 | Price change | $109,000 |
| 2012-11-01 | Listed for sale | $113,850 |
View on Zillow