1865 Seacrest Drive, Lummi Island, WA, 98262
About This Home
Rare low-bank waterfront retreat on Lummi Island offering nearly an acre of shoreline, timeless NW character & exceptional future potential. Set on two legal lots, this unique property includes a charming beachfront cottage on one parcel & a 2nd buildable lot included in the sale, creating a rare opportunity for expansion, a guest home, future residence, or investment. Warm natural wood interiors, a cozy wood stove, and walls of windows frame peaceful Salish Sea & Mt. Baker views from the main living spaces. Twin French doors open to a waterfront deck perched just steps above a protected beach ideal for beachcombing, clamming, crabbing, oystering, kayaking, and exploring the shoreline. The detached optional guest quarters or game room provides flexible space for visitors & recreation. For years, guests have returned to this special property to experience the peaceful waterfront setting & authentic island lifestyle, creating a successful history and current performance as a sought-after AirBNB. Walk the beach to the island market, enjoy dinner at the Beach Store Café, or simply spend the day watching wildlife and the changing tides from your deck. Located just a short ferry ride from the mainland, this is a rare opportunity to enjoy waterfront living today while preserving the flexibility, income potential, and long-term value of a second legal buildable lot. Schedule your visit and experience the magic!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Good
- Year built: 1950
Materials
- Roof: Composition
- Construction materials: Wood Siding
Notable Dates
- Major remodel year: 1997
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional,1 Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dryer(s),Refrigerator(s),Washer(s),Water Heater: Elec. / Tank,Water Heater Location: Mudroom
Basement
- Basement: None
Bathroom Three Quarter
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 3/4 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Bonus Room
- Level: Main
Entry Hall
- Level: Main
Family Room
- Level: Main
Features
- Window features: Dbl Pane/Storm Window
- Flooring: Vinyl
- Number of fireplaces: 1
- Fireplace features: Wood Burning,Main Level: 1,Fireplace
- Fireplace: Yes
Heating & Cooling
- Heating features: Fireplace,Wall Furnace,Electric
- Cooling features: None
Interior Area
- Total structure area: 980
- Total interior livable area: 980 sqft
Kitchen Without Eating Space
- Level: Main
Master Bedroom
- Level: Main
Utility Room
- Level: Main
Property
Details
- Parcel number: 3701102272280000
- Zoning: R014
- Zoning description: Jurisdiction: County
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Entry location: Main
- Patio & porch: Dbl Pane/Storm Window,Fireplace,Water Heater
- Has view: Yes
- View description: Bay
- Has water view: Yes
- Water view: Bay
- On waterfront: Yes
- Waterfront features: Low Bank
- Frontage length: Waterfront Ft: 163
- Topography of land: Level,Partial Slope
Lot
- Lot size: 0.99 Acres
- Features: Deck
- Lot size dimensions: Irregular
Parking
- Total spaces: 4
- Parking features: Driveway
- 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
- Avalanche
- Coastal Flooding
- Earthquake
How This Home’s Risks Compare
FEMA Declared Disasters in Whatcom 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 | $4,803 | $57,636 |
| Home Insurance * | $332 | $3,984 |
| Property Taxes | $618 | $7,416 |
| Electricity | $149 | $1,793 |
| Total | $5,902 | $70,824 |
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 |
|---|---|---|
| 2026-06-01 | Listed for sale | $950,000 |
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