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27 Seafarer Lane, Port Ludlow, WA, 98365

4beds
4baths
4,745sqft
$1,975,000
$416price/sqft
$12,051/moest. monthly cost
$482,040/yrincome needed

About This Home

An extraordinary luxury view home where exceptional craftsmanship & breathtaking natural beauty converge. Built just 3 years ago by a master builder as his forever home, this one-of-a-kind residence was engineered beyond conventional standards w/premium materials, ADA accessibility, & future-ready infrastructure. The open concept main level dazzles w/3 bedrooms (one currently a stunning office), 2.5 baths, & a dramatic wall of windows framing panoramic views of Mt. Baker, the Cascade Mountains, Ludlow Bay, & Admiralty Inlet. The chef's kitchen features an oversized granite island, & the open floor plan flows effortlessly to expansive Azek decks w/custom stainless steel railings, patio heater, & hot tub, creating seamless indoor/outdoor living w/views of terraced gardens & a tranquil rain garden. The spa-inspired primary suite is breathtaking & includes a tub w/water & mt views & a stunning walk-in closet. Accessible by elevator or stairs, the lower level features a private multigenerational suite w/a full kitchen, laundry, ¾ bath, & spacious open concept living area w/views.Oversized epoxy-finished garage has a workshop, EV charger, wired for generator-Private pickleball court & storage-(wine cellar?). Premium features include an ERV fresh air filtration system, R-5 ZIP System sheathing, R-21 insulation, quiet floor system, whole-house sound system, & Beach Club membership w/trails, beaches, marina, parks, & nearby golf. See attached Matterport walkthrough & video!!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

5/10
5/10
Chimacum High SchoolGrades 7-126.8 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Poured Concrete
  • Roof: Built-Up,See Remarks
  • Construction materials: Cement Planked,Wood Siding,Cement Plank

Notable Dates

  • Major remodel year: 2023

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Main

Bathroom Three Quarter

  • Level: Lower

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Den Office

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room,High Tech Cabling
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Ceramic Tile,Engineered Hardwood,Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace features: See Remarks,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Great Room

  • Level: Lower

Heating & Cooling

  • Heating features: Fireplace,90%+ High Efficiency,Forced Air,Heat Pump,HRV/ERV System,See Remarks,Electric,Propane
  • Cooling features: 90%+ High Efficiency,Forced Air,Heat Pump,HEPA Air Filtration,High Efficiency (Unspecified)

Interior Area

  • Total structure area: 4,745
  • Total interior livable area: 4,745 sqft

Kitchen With Eating Space

  • Level: Main

Kitchen With Eating Space

  • Level: Lower

Master Bedroom

  • Level: Main

Master Bedroom

  • Level: Lower

Other

  • Level: Main

Utility Room

  • Level: Main

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp,Accessible Bath,Accessible Bedroom,Accessible Central Living Area,Accessible Elevator Installed,Accessible Entrance,Accessible Kitchen,Accessible Utility

Details

  • Parcel number: 990603189
  • Zoning: MPR-SF-4
  • Zoning description: Jurisdiction: County
  • Special condition: Standard
  • Other equipment: Leased Equipment: none

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Pool features: Community
  • Patio & porch: Second Kitchen,Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Elevator,Fireplace,French Doors,High Tech Cabling,Hot Tub/Spa,Security System,Skylight(s),Sprinkler System,Vaulted Ceiling(s),Walk-In Closet(s),Water Heater,Wine Cellar
  • Has spa: Yes
  • Spa features: Indoor
  • Has view: Yes
  • View description: Mountain(s),See Remarks,Sound
  • Has water view: Yes
  • Water view: Sound
  • Topography of land: Level,Partial Slope
  • Residential vegetation: Garden Space

Lot

  • Lot size: 0.30 Acres
  • Features: Cul-De-Sac,Dead End Street,Paved,Athletic Court,Deck,Electric Car Charging,High Speed Internet,Hot Tub/Spa,Patio,Propane,RV Parking,Shop,Sprinkler System

Parking

  • Total spaces: 10
  • Parking features: Driveway,Attached Garage,Off Street,RV Parking
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered spaces: 8

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
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Earthquake
Winter Weather
Coastal Flooding
Ice Storm

FEMA Declared Disasters in Jefferson 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 $9,986$119,832
Home Insurance *$438$5,256
Property Taxes $1,303$15,636
Electricity $324$3,894
Total$12,051$144,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$413,177/yr
40% on housing$361,530/yr
45% on housing$321,360/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$416This listing

vs Other Active Listings

Avg $/sqft

ZIP 98365$310
Jefferson County$278

vs Homes Sold Last Month

Median $/sqft

ZIP 98365
Jefferson County$360

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
2026-07-26Listed for sale$1,975,000
2022-02-22Sold$150,000

For Sale by Agent

AgentLori Montone
BrokeragePort Ludlow Brokers LLC

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