304 Frances Lane, Lopez Island, WA, 98261
About This Home
ON THE EDGE OF THE BAY sits this very special property---27+ acres and 805 feet of waterfront. This land has been in the same family for over 80+ years. Take in views of Mud Bay & Lopez Sound from a sweet little cabin with new wrap around covered deck and bathroom. A cozy step back from our busy world. You will never tire of watching the summer sunsets & boats on the bay. Take the stairs to get up close and wander around on the beach. Or take a walk on the many trails through the mature woods. Or check out what's going on at the pond. Lots of nature everywhere---listen to the birds sing and the tides run. The shower house is perfect for extra guests camping and has plenty of space for a future washer & dryer. A detached double car garage (964 sqft) holds the tractor, mower, water toys and more---a place to tinker to your heart's delight. The finished back quarter of the building is great for projects or indoor play. Mud Bay and surrounds is good for crabbing, kayaking & watching wildlife. And you are close to boat launches, southend parks & hiking trails plus the Islandale Market. The San Juan Preservation Trust recognized the significant value of this property and signed a Conservation Easement to protect this land for generations to come.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1975
Materials
- Foundation: Poured Concrete
- Roof: Metal
- Construction materials: Wood Siding
Notable Dates
- Major remodel year: 2020
Type & Style
- Home type: SingleFamily
- Architectural style: 1 Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Refrigerator,Stove(s)/Range(s),Microwave(s),Refrigerator(s),Water Heater: electric,Water Heater Location: kitchen
Basement
- Basement: None
Bathroom Full
- Level: Main
Bedrooms & Bathrooms
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
Features
- Window features: Dbl Pane/Storm Window
- Flooring: Vinyl
Heating & Cooling
- Heating features: Baseboard,Stove/Free Standing,Electric,Wood
- Cooling features: None
Interior Area
- Total structure area: 672
- Total interior livable area: 672 sqft
Other
- Level: Main
Property
Details
- Parcel number: 140842002000
- Zoning description: Jurisdiction: County
- Special condition: Standard
- Other equipment: Leased Equipment: none
Features
- Levels: One
- Stories: 1
- Patio & porch: Dbl Pane/Storm Window,Water Heater
- Has view: Yes
- View description: Bay,Islands,Sound,Territorial
- Has water view: Yes
- Water view: Bay,Sound
- Frontage length: Waterfront Ft: 805
- Topography of land: Level,Partial Slope
- Residential vegetation: Fruit Trees,Garden Space,Wooded
Lot
- Lot size: 27.39 Acres
- Features: Dead End Street,Secluded,Deck,Outbuildings
Parking
- Total spaces: 2
- Parking features: Detached 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
- Winter Weather
- Coastal Flooding
- Earthquake
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in San Juan 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 | $6,876 | $82,512 |
| Home Insurance * | $271 | $3,252 |
| Property Taxes | $751 | $9,012 |
| Electricity | $149 | $1,793 |
| Total | $8,047 | $96,564 |
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 |
|---|---|---|
| 2026-07-03 | Listed for sale | $1,360,000 |
| 2020-07-13 | Sold | $400,000 |
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