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5550 Whitehorn Way, Blaine, WA, 98230

5beds
4baths
3,771sqft
$869,880
$231price/sqft
$5,322/moest. monthly cost
$212,880/yrincome needed

About This Home

Welcome home to 5550 Whitehorn Way in beautiful Birch Bay! Stunning views accompanies this remarkable 3,771sqft home that features 2 stories in this well planned out custom designed home offering 2 bedrooms upstairs along with an office as well as 2 oversized bedrooms downstairs accompanied with a wet bar, plentiful space and a family room leading to your tastefully manicured backyard. Upstairs, you'll find vaulted ceilings opening up to views of Birch Bay water from the primary bedroom to the living room to the kitchen. Speaking of the kitchen, this oversized chefs dream features gorgeous granite, stainless steel appliances and a gas powered oven/stove, sure to host your friends well. The primary also overlooks the bay all while having access to your fully open deck with partial covering for those in between months to still enjoy the wonder of the welcomed season changes. A well maintained home awaits you with so much to enjoy perks and amenities in the local area. Quaint and incredibly fun Birch Bay provides some of the best beach activities including the state park and many fantastic restaurants and entertainment. Close and nearby is renowned Semiahmoo. Come visit and see why this is one of the regions best kept secrets.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

--
Blaine Primary SchoolGrades PK-27.1 mi
7/10
Blaine Middle SchoolGrades 6-87.2 mi
6/10
Blaine High SchoolGrades 9-127.2 mi

Construction

Condition

  • Year built: 2015

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,2 Stories w/Bsmnt
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom Full

  • Level: Lower

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom

  • Level: Lower

Bedroom

  • Level: Lower

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Entry Hall

  • Level: Main

Family Room

  • Level: Lower

Features

  • Bath Off Primary,Ceiling Fan(s),Pantry
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Engineered Hardwood,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,771
  • Total interior livable area: 3,771 sqft

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Lower

Property

Details

  • Parcel number: 3951022320250000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Fireplace,Jetted Tub,Pantry,Vaulted Ceiling(s),Walk-In Closet(s)
  • Spa features: Bath
  • Has view: Yes
  • View description: Bay,Ocean,Sea,See Remarks,Sound
  • Has water view: Yes
  • Water view: Bay,Ocean,Sea,Sound
  • Topography of land: Partial Slope

Lot

  • Lot size: 10,018 sqft
  • Features: Curbs,Paved,Sidewalk,Cable TV,Deck,High Speed Internet

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
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Cold Wave
Ice Storm
Winter Weather

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 $4,398$52,776
Home Insurance *$174$2,088
Property Taxes $493$5,916
Electricity $257$3,095
Total$5,322$63,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,468/yr
40% on housing$159,660/yr
45% on housing$141,920/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

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 98230$265
Whatcom County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 98230$323
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
2026-07-09Price change$869,880
2026-06-30Listed for sale$908,880
2014-07-25Sold$130,280
2009-10-29Sold$135,280
2006-10-02Sold$192,000
2004-03-12Sold$82,000

For Sale by Agent

AgentBrent McMillan
BrokerageWindermere RE Whatcom, Inc.

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