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7443 Birch Bay Drive, Blaine, WA, 98230

2beds
1baths
780sqft
$699,000
$896price/sqft
$4,218/moest. monthly cost
$168,720/yrincome needed

About This Home

12 steps from the beach to your back door...this is truly waterfront living! Charming mid century 2 bedroom beach cottage features original cedar paneling, wood burning fireplace + open beam and vaulted ceilings in the living room and kitchen. Unbelievable westerly views from the ocean-front patio and incredibly easy access for beach fires, clamming, crabbing, boating and beach combing right out your door. Enjoy breathtaking sunsets, panoramic water views, and frequent eagle sightings. Bonus: driveway parking for multiple vehicles. Fantastic Birch Bay location steps from the famed C-Shop, Birch Bay State Park and just minutes to the USA/Canada borders and I-5. This is a fantastic opportunity to add to your investment portfolio as a short term or long term rental or to use as your own personal beach getaway! Don't miss this gem nestled between Seattle, WA and Vancouver, BC...low bank waterfront homes don't come on the market often!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Blaine Primary SchoolGrades PK-25.5 mi
7/10
Blaine Middle SchoolGrades 6-85.6 mi
7/10
Blaine High SchoolGrades 9-125.6 mi

Construction

Condition

  • Year built: 1954

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Refrigerator(s),Washer(s),Water Heater: Electric

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Entry Hall

  • Level: Main

Features

  • Flooring: Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Baseboard,Wall Furnace,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 780
  • Total interior livable area: 780 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 4051365562060000
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Fireplace,Water Heater
  • Has view: Yes
  • View description: Bay,Ocean
  • Has water view: Yes
  • Water view: Bay,Ocean
  • On waterfront: Yes
  • Waterfront features: Low Bank
  • Topography of land: Level

Lot

  • Lot size: 2,308 sqft
  • Features: Fenced-Partially,Patio

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Uncovered 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Ice Storm
Cold Wave
Inland Flooding
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 $3,534$42,408
Home Insurance *$140$1,680
Property Taxes $395$4,740
Electricity $149$1,793
Total$4,218$50,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$144,617/yr
40% on housing$126,540/yr
45% on housing$112,480/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

$896This listing

vs Other Active Listings

Avg $/sqft

ZIP 98230$264
Whatcom County$300

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
2026-05-04Price change$723,000
2026-03-31Listed for sale$760,000
2015-08-20Sold$399,900
2015-08-11Pending sale$399,900
2015-08-04Listed for sale$399,900
2007-09-18Sold$550,280

For Sale by Agent

AgentJennifer Freeman
BrokerageWindermere RE Whatcom, Inc.

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