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635 Elm Street, Raymond, WA, 98577

3beds
2baths
1,532sqft
$395,999
$258price/sqft
$2,541/moest. monthly cost
$101,640/yrincome needed

About This Home

Built in 2022, this stunning, like-new home blends modern design with elevated finishes throughout. A covered front porch welcomes you into a light-filled living space featuring soaring vaulted ceilings, recessed lighting, a striking wood beam, and a dramatic floor-to-ceiling board & batten accent wall. The open-concept layout flows seamlessly into the bright, designer kitchen with quartz countertops, stainless steel appliances, tiled backsplash, oversized island with seating, and a spacious walk-in pantry—perfect for entertaining and everyday living. The luxurious primary suite offers a spa-inspired bath with dual vanities, an oversized walk-in shower, and a generous walk-in closet. Two additional bedrooms and a beautifully appointed full bath provide flexibility for guests, office space, or hobbies. A dedicated utility room with added storage enhances functionality. Step outside to the pristine back deck, partially covered with ambient lighting and territorial views, ideal for relaxing or hosting. The fully fenced yard provides privacy and versatility, while ample parking includes an attached garage with EV charger, concrete pad, and additional gravel parking. Immaculate, stylish, and move-in ready—this exceptional home is truly a must-see!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

7/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 2022

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement/Concrete,Wood Siding

Notable Dates

  • Major remodel year: 2022

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Microwave(s),Refrigerator(s)

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Pantry
  • Window features: Dbl Pane/Storm Window
  • Flooring: Vinyl Plank,Carpet

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,532
  • Total interior livable area: 1,532 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 72044005014
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dbl Pane/Storm Window,Pantry,Walk-In Closet(s)
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level,Partial Slope

Lot

  • Lot size: 5,998 sqft
  • Features: Dead End Street,Paved,Deck,Electric Car Charging,Fenced-Fully,High Speed Internet

Parking

  • Total spaces: 3
  • Parking features: Driveway,Detached Garage
  • Has garage: Yes
  • Covered spaces: 1
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Coastal Flooding
Earthquake
Heat Wave
Landslide

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 $2,002$24,024
Home Insurance *$155$1,860
Property Taxes $235$2,820
Electricity $149$1,793
Total$2,541$30,492
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,120/yr
40% on housing$76,230/yr
45% on housing$67,760/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

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 98577$178
Pacific County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 98577
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
2026-03-30Price change$395,999
2026-03-11Price change$399,999
2026-03-02Listed for sale$425,000
2023-01-27Sold$343,000
2022-12-27Pending sale$398,000
2022-10-17Contingent$398,000
2022-08-23Price change$398,000
2022-08-09Price change$417,000
2022-07-20Listed for sale$439,000

For Sale by Agent

AgentMelanie Seiler
BrokerageKeller Williams South Sound

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