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34610 T Lane, Oysterville, WA, 98640

2beds
2baths
1,500sqft
$495,000
$330price/sqft
$3,081/moest. monthly cost
$123,240/yrincome needed

About This Home

Escape to your own private coastal retreat! Situated on 10 acres of peaceful privacy between the Pacific Ocean and Willapa Bay, this charming 2-bedroom, 1.5-bath home offers the perfect blend of comfort, character, and natural beauty. Thoughtfully remodeled in 2021, the home features a chef’s kitchen and vaulted, beamed ceilings that create a warm and inviting atmosphere in the living and dining areas. Stay cozy on cloudy coastal days beside the wood-burning stove, while a new solar panel system helps keep monthly utility costs exceptionally low. With its own septic system, individual well, and solar power, this home offers efficiency, independence, and sustainability. Enjoy year-round light in the enclosed sun-room with desirable southern exposure, or relax on the expansive 600 sq ft enclosed deck with barn-door access—perfect for entertaining or unwinding while surrounded by nature. The property also includes a 400 sq ft carport and a 175 sq ft hobby shed with a covered porch, offering space for projects, storage, or creative pursuits. With loads of charm and room to roam, this peaceful coastal haven offers privacy, tranquility, and easy access to both the ocean and Willapa Bay—ideal as a full-time residence, vacation home, or weekend getaway. This is a must see in person property.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
3/10
Hilltop SchoolGrades 6-816.5 mi
5/10
Ilwaco Sr High SchoolGrades 9-1216.5 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1983

Materials

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

Notable Dates

  • Major remodel year: 2021

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bedroom

  • Level: Second

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Family Room

  • Level: Second

Features

  • Ceiling Fan(s),Dining Room,Loft
  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Stove/Free Standing,Wall Furnace,Electric,Solar PV,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 1,500
  • Total interior livable area: 1,500 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Second

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 12110431000
  • Zoning: Rural Residential
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Loft,Skylight(s),Vaulted Ceiling(s),Water Heater
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level
  • Residential vegetation: Brush,Garden Space,Wooded

Lot

  • Lot size: 10 Acres
  • Features: Dead End Street,Deck,High Speed Internet,Outbuildings,Propane,RV Parking
  • Lot size dimensions: Appo x 345 x 1263

Parking

  • Total spaces: 2
  • Parking features: Detached Carport,Driveway,Off Street,RV Parking
  • Covered spaces: 2
  • Carport: Yes

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
  • Tsunami
    TsunamiRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Tsunami
Coastal Flooding
Inland Flooding

FEMA Declared Disasters in Pacific 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 $2,502$30,024
Home Insurance *$147$1,764
Property Taxes $283$3,396
Electricity $149$1,793
Total$3,081$36,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,634/yr
40% on housing$92,430/yr
45% on housing$82,160/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: 10.0%
10.0%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$330This listing

vs Other Active Listings

Avg $/sqft

ZIP 98640$195
Pacific County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 98640
Pacific County$248

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
2026-03-18Listed for sale$499,000
2022-06-02Sold$449,900
2018-05-14Sold$158,736
2010-06-23Sold$164,000

For Sale by Agent

AgentCindi Pellerin
BrokerageRealty One Group Pacifica

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