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1136 Island Drive, Lummi Island, WA, 98262

2beds
2baths
1,643sqft
$469,000
$285price/sqft
$2,992/moest. monthly cost
$119,680/yrincome needed

About This Home

Lovingly known as “The Birdhouse,” this charming two bedroom, one bath home plus office/art bonus room is nestled among beautiful evergreens, offering privacy and peaceful island living. The home features gleaming wood floors, two Trex decks, a new Jotul fireplace, new range, Rinnai on-demand hot water heater, and a wired fast-charge electric vehicle charger. Relax in the nearly new state-of-the-art saltwater hot tub surrounded by nature. The lower partially finished daylight level is heated and plumbed, providing excellent space for a workshop, studio, hobby room, or storage. Homeownership includes access to a swimming lake, playground, saltwater boat launch, beach access, and community clubhouse—bringing together the best of recreation, community, and island living. Additional storage shed for all of your outdoor tools.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

--
Beach Elementary SchoolGrades K-53.6 mi
7/10
Vista Middle SchoolGrades 6-812.3 mi
5/10
Ferndale High SchoolGrades 9-1211.8 mi

Construction

Condition

  • Year built: 1970

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story w/Bsmnt.
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Stove(s)/Range(s),Refrigerator(s)

Basement

  • Has basement: Yes
  • Basement: Daylight,Partially Finished

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window
  • Flooring: Softwood,Vinyl,Carpet

Heating & Cooling

  • Heating features: Stove/Free Standing,Electric,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 1,643
  • Total interior livable area: 1,643 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Lower

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 3701235403520000
  • Zoning: RF
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,French Doors
  • Has spa: Yes
  • Has view: Yes
  • View description: Bay,Partial,See Remarks,Sound,Territorial
  • Has water view: Yes
  • Water view: Bay,Sound
  • Topography of land: Level,Sloped,Steep Slope,Terraces
  • Residential vegetation: Garden Space,Wooded

Lot

  • Lot size: 0.28 Acres
  • Features: Cul-De-Sac,Paved,Deck,Hot Tub/Spa,Outbuildings
  • Lot size dimensions: 144' x 76' x 82' x 103' x 16' x 24'

Parking

  • Parking features: Off Street

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 $2,371$28,452
Home Insurance *$164$1,968
Property Taxes $308$3,696
Electricity $149$1,793
Total$2,992$35,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,582/yr
40% on housing$89,760/yr
45% on housing$79,786/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

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 98262$437
Whatcom County$301

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)

Price History

DateEventPrice
2026-05-08Listed for sale$469,000
2015-12-30Sold$245,000
2010-06-08Listing removed$145,000
2010-06-03Listed for sale$145,000
2008-07-25Sold$278,000

For Sale by Agent

AgentAngela Dixon
BrokerageLummi Island Realty LLC

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