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7016 Osprey Circle, Bremerton, WA, 98312

4beds
3baths
2,199sqft
$689,000
$313price/sqft
$4,296/moest. monthly cost
$171,840/yrincome needed

About This Home

Rare 4-bedroom home located in a highly desirable Dockside community with private access to beautiful Kitsap Lake. This inviting home features an open stairway leading to the second floor, creating a bright and spacious feel from the moment you enter. The primary suite offers a private retreat with an ensuite bath featuring double sinks, a separate shower, oversized soaking tub, private toilet area, and a mirrored walk-in closet. Recent upgrades throughout the home include stunning new granite kitchen countertops, new kitchen cabinetry, new flooring throughout, and fresh interior and exterior paint, giving the home a clean, updated look. Enjoy exclusive HOA amenities including gated private dock access to Kitsap Lake for fishing, swimming, and relaxing at the picnic area.

Getting Around

20
WalkingCar-Dependent
28
TransitSome Transit
21
BikeSomewhat Bikeable

Schools

5/10
2/10
4/10
Bremerton High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Wood Products

Notable Dates

  • Major remodel year: 1989

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Garbage Disposal,Refrigerator(s),Water Heater: Gas,Water Heater Location: Garage

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Main

Features

  • Bath Off Primary,Dining Room
  • Window features: Dbl Pane/Storm Window
  • Flooring: Hardwood,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Electric,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,199
  • Total interior livable area: 2,199 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 50920000570000
  • Zoning: 111, SFR
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dbl Pane/Storm Window,Dining Room,Fireplace,Security System,Sprinkler System,Walk-In Closet(s),Water Heater
  • Topography of land: Partial Slope

Lot

  • Lot size: 9,147 sqft
  • Features: Paved,Sidewalk,Cable TV,Deck,Gas Available,Sprinkler System
  • Lot size dimensions: 74 ft frontage, irregular

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

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
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 $3,483$41,796
Home Insurance *$175$2,100
Property Taxes $488$5,856
Electricity $150$1,804
Total$4,296$51,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,291/yr
40% on housing$128,880/yr
45% on housing$114,560/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

$313This 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
2026-03-28Listed for sale$699,500
2020-04-01Listing removed$2,150
2020-02-27Price change$2,150
2020-01-16Listed for rent$2,200
2018-07-02Listing removed$2,100
2018-06-26Listed for rent$2,100
2018-05-06Listing removed$2,100
2018-04-10Listed for rent$2,100
2017-05-13Listing removed$2,000
2017-04-25Listed for rent$2,000
2016-10-22Listing removed$1,950
2015-09-04Listing removed$1,850
2015-08-19Listed for rent$1,850
2012-05-15Listing removed$1,425
2012-03-28Listed for rent$1,425
2000-10-31Sold$175,000

For Sale by Agent

AgentAlta Shigeta
BrokerageBedrock Realty LLC

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