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36 First Thought Loop, Laurier, WA, 99146

2beds
4baths
1,750sqft
$789,000
$451price/sqft
$4,952/moest. monthly cost
$198,080/yrincome needed

About This Home

Kettle River Waterfront Paradise it's like buying your own Park! Elegantly built home with an open floor plan, vaulted ceilings with lots of windows to let the sunlight and views inside. Floor to ceiling tiled wood stove in the living room with a spacious redwood deck to watch the river flow. Special crafted kitchen with Acacia wood counter tops from Africa, Hickory cabinets with an abundance of counter space and storage, large dining room with a private viewing deck. Primary bedroom with jacuzzi tub, walk in shower and closet plus electric fireplace. Plenty of bathrooms for entertaining and sleep overs. Separate Cabin with running water, electricity and private outhouse. Serene setting with large deck, trees and expansive yard. Plenty of water with a private well and 2 car carport with storage room, plus a Rv carport and the well house has an additional storage room. Level and private acres for your recreational needs.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

--
Orient Elementary SchoolGrades K-86.7 mi

Construction

Condition

  • Year built: 2013

Materials

  • Foundation: Concrete Perimeter,See Remarks
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Refrigerator,Range Hood,Electric Range,Dishwasher

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 4

Features

  • Walk-In Closet(s),Vaulted Ceiling(s),Ceiling Fan(s)

Heating

  • Heating features: Wood,Electric

Interior Area

  • Total structure area: 1,750
  • Total interior livable area: 1,750 sqft

Property

Details

  • Parcel number: 64014500009000
  • Zoning description: Residential

Features

  • Stories: 1
  • Patio & porch: Deck,See Remarks
  • Has view: Yes
  • View description: River,Territorial
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front,Beach Access
  • Frontage type: River
  • Topography of land: Sloped, Level

Lot

  • Lot size: 6.57 Acres
  • Features: Garden,Irregular Lot
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Cold Wave
    Cold WaveRelatively High
  • Landslide
    LandslideRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Cold Wave
Landslide
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters in Ferry 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 $3,989$47,868
Home Insurance *$301$3,612
Property Taxes $513$6,156
Electricity $149$1,793
Total$4,952$59,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,782/yr
40% on housing$148,560/yr
45% on housing$132,053/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: 15.9%
15.9%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$451This listing

vs Other Active Listings

Avg $/sqft

ZIP 99146
Ferry County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 99146
Ferry County$224

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)

No zestimate history available

Price History

DateEventPrice
2026-03-25Listed for sale$789,000
2025-12-29Listing removed$869,000
2025-06-29Listed for sale$869,000

For Sale by Agent

AgentROBYN M WESTERGARD
BrokerageWESTERGARD REAL ESTATE

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