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1442 Seacrest Drive, Lummi Island, WA, 98262

5beds
2baths
3,550sqft
$2,850,000
$803price/sqft
$17,308/moest. monthly cost
$692,320/yrincome needed

About This Home

First time on market in over 70 years, this extraordinary legacy waterfront offering is a rare opportunity to own two homes + buildable lot w/shop! Totaling 1.92 acres along w/250' of premium waterfront on Lummi Island’s east-facing shoreline overlooking Hales Passage, Portage Island, & the Cascade Mountains w/stunning Mt Baker views. Entire waterfront is 2nd class tidelands as well. The beach home is at 1442 Seacrest is a 2,066 SF, 3-bed home with main-level primary suite, uniquely positioned just 8’ from the bulkhead—an irreplaceable location no longer permitted under current shoreline setback regulations. Enjoy unmatched proximity to the water, expansive views & direct beachfront living. Includes 2 private mooring buoys.The secondary home at 1438 Seacrest sits on the bluff & offers 1,466 SF, 2 beds & extensive updates including new roof (2020), bath remodel & flooring (2021), range & microwave (2023), furnace & HWT (2024), plus an 800 SF TREX deck w/glass railing, 400 SF tile patio, 300 SF shop/storage building & charming 12’×20’ beach cookhouse log cabin. 100’ of bulkhead-protected no-bank waterfront includes steps, ramp & 10’ boat launch area.The third parcel is over an acre itself of 100' high-bank waterfront & a substantial 1,200 SF shop with power, propane, mezzanine & oversized doors (13’6”, two 12’, one 8’). Ideal for storage, marine use, hobby space or future homesite.A truly rare multi-generational waterfront estate opportunity on Lummi Island.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

--
Beach Elementary SchoolGrades K-52.5 mi
7/10
Vista Middle SchoolGrades 6-811.7 mi
5/10
Ferndale High SchoolGrades 9-1211.3 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1972

Materials

  • Foundation: Poured Concrete,Slab
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Bonus Room

  • Level: Second

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Ceiling Fan(s),Dining Room
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Vinyl Plank,Carpet
  • Number of fireplaces: 1
  • Fireplace features: See Remarks,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,90%+ High Efficiency,Forced Air,Electric,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 2,066
  • Total interior livable area: 3,550 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 370114046199
  • Zoning: RRI
  • Zoning description: Jurisdiction: County
  • Special condition: Standard
  • Other equipment: Wired for Generator

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Hot Tub/Spa,Wired for Generator
  • Has spa: Yes
  • Spa features: Indoor
  • Has view: Yes
  • View description: See Remarks,Sound,Territorial
  • Has water view: Yes
  • Water view: Sound
  • On waterfront: Yes
  • Waterfront features: High Bank,Low Bank,Medium Bank,No Bank,Sound
  • Frontage length: Waterfront Ft: 250
  • Topography of land: Level,Partial Slope,Sloped,Steep Slope
  • Residential vegetation: Fruit Trees,Garden Space

Lot

  • Lot size: 1.92 Acres
  • Features: Paved,Deck,Hot Tub/Spa,Moorage,Outbuildings,Patio,Propane,RV Parking,Shop

Parking

  • Total spaces: 12
  • Parking features: Driveway,RV Parking
  • Uncovered spaces: 12

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
    AvalancheRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Avalanche
Coastal Flooding
Earthquake

FEMA Declared Disasters in Whatcom 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 $14,411$172,932
Home Insurance *$997$11,964
Property Taxes $1,658$19,896
Electricity $242$2,913
Total$17,308$207,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$593,417/yr
40% on housing$519,240/yr
45% on housing$461,546/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: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$803This listing

vs Other Active Listings

Avg $/sqft

ZIP 98262$353
Whatcom County$299

vs Homes Sold Last Month

Median $/sqft

ZIP 98262$330
Whatcom County$335

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)

No zestimate history available

Price History

DateEventPrice
2026-05-01Listed for sale$3,200,000

For Sale by Agent

AgentSean G. Hackney
BrokerageNextHome Northwest Living

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