3169 Agate Bay Lane, Bellingham, WA, 98226
About This Home
Tucked along the sunny eastern edge of Lake Whatcom sits this exceptional private estate. Comprising 3.1 private acres of flat, usable land, the property features nearly 900 feet of low-bank sandy shoreline—an increasingly rare amount of direct, effortless lake access. The west facing orientation, with unobstructed exposure delivers sunlight from dawn through the long, cinematic sunsets that define life on Lake Whatcom. Three docks and a dedicated boat ramp ensure seamless launch points for whatever vessels or watercraft suit the season, while the generous moorage invites both serious boating and spontaneous summer afternoons. At the heart of the estate are two primary residences. The main home is a refined contemporary with three bedrooms and two-and-a-half baths, designed to frame sweeping 180-degree lake views from nearly every room. Positioned on its own private peninsula, it showcases timeless modern lines with unparalleled potential. Steps away, at the water’s edge, rests the second home—a warmly appointed two-bedroom, two-bath home with loft, perfectly suited for guests or simply changing the daily perspective. Four additional historic cabins complete the offering, one of which has been thoughtfully finished and used as an ADU. Together they create layered possibilities: a true multi-generational compound, thoughtful income potential, or flexible space for a weekend escape. One of a kind would be an understatement for this rare property.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1980
Materials
- Foundation: Poured Concrete
- Roof: Composition
- Construction materials: Wood Siding,Wood Products
Notable Dates
- Major remodel year: 1980
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary,1 1/2 Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Double Oven,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater: Gas,Water Heater Location: Garage
Basement
- Basement: None
Bathroom Full
- Level: Main
Bathroom Full
- Level: Main
Bathroom Full
- Level: Main
Bedroom
- Level: Main
Bedroom
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 5
- Full bathrooms: 5
- Main level bathrooms: 3
- Main level bedrooms: 3
Bonus Room
- Level: Second
Dining Room
- Level: Main
Entry Hall
- Level: Main
Family Room
- Level: Main
Features
- Bath Off Primary,Central Vacuum,Dining Room,Pantry
- Window features: Skylight(s)
- Flooring: Ceramic Tile,Vinyl,Carpet
- Number of fireplaces: 1
- Fireplace features: Wood Burning,Main Level: 1,Fireplace
- Fireplace: Yes
Heating & Cooling
- Heating features: Fireplace,Forced Air,Electric,Natural Gas,Wood
- Cooling features: None
Interior Area
- Total structure area: 2,933
- Total interior livable area: 4,213 sqft
Kitchen With Eating Space
- Level: Main
Living Room
- Level: Main
Master Bedroom
- Level: Main
Utility Room
- Level: Main
Property
Details
- Parcel number: 3803255333790000
- Zoning: R5A
- Zoning description: Jurisdiction: County
- Special condition: Standard
- Other equipment: Wired for Generator
Features
- Levels: One and One Half
- Stories: 1
- Entry location: Main
- Patio & porch: Bath Off Primary,Built-In Vacuum,Dining Room,Fireplace,Hot Tub/Spa,Jetted Tub,Pantry,Security System,Skylight(s),Vaulted Ceiling(s),Walk-In Closet(s),Water Heater,Wired for Generator
- Has spa: Yes
- Spa features: Indoor,Bath
- Has view: Yes
- View description: Lake,Territorial
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake
- Frontage length: Waterfront Ft: 567
- Topography of land: Level
- Residential vegetation: Garden Space,Wooded
Lot
- Lot size: 3.10 Acres
- Features: Dead End Street,Paved,Secluded,Value In Land,Cabana/Gazebo,Cable TV,Deck,Dock,Fenced-Partially,Gated Entry,High Speed Internet,Hot Tub/Spa,Outbuildings,Outdoor Fireplace,Patio,Propane,RV Parking,Shop
Parking
- Total spaces: 3
- Parking features: Driveway,Attached Garage,Detached Garage,RV Parking
- Has garage: Yes
- Covered spaces: 3
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
- Inland Flooding
- Ice Storm
- Cold Wave
- Earthquake
- Winter Weather
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 | $22,729 | $272,748 |
| Home Insurance * | $816 | $9,792 |
| Property Taxes | $3,272 | $39,264 |
| Electricity | $288 | $3,458 |
| Total | $27,105 | $325,260 |
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 |
|---|---|---|
| 2026-06-19 | Listed for sale | $4,495,000 |
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