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8921 188th Street SE, Snohomish, WA, 98296

2beds
2baths
1,120sqft
$695,000
$621price/sqft
$4,343/moest. monthly cost
$173,720/yrincome needed

About This Home

This private garden retreat is nestled within the sought-after Cathcart area of Snohomish, offering a peaceful setting between historic downtown Snohomish and the wineries, shopping, and dining of Woodinville. Set on a half-acre of lush greenery, the property welcomes you with a wraparound deck and vibrant landscaping. Inside, the cottage-style kitchen features warm wood cabinetry and generous prep space, opening to the living and dining area wrapped in wood paneling and centered around a cozy fireplace. Find space to relax down the hall in the comfortable bedroom and nearby hall bathroom. The oversized laundry room and attached ¾ bathroom lead into a flex room with outdoor access and an additional bedroom, along with access to a large storage space. Outside is a garden lover's paradise, with a greenhouse complete with power and irrigation, while sunny yard space and established garden beds create endless opportunities to grow, gather, and enjoy the outdoors. The property is completed with hidden patio spaces, a fenced dog run, and winding paths throughout.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

6/10
8/10
8/10
Glacier Peak High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1968

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 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)

Basement

  • Basement: None

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Main

Features

  • Dining Room
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Hardwood,Laminate,Stone,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Baseboard,Ductless,Heat Pump,Stove/Free Standing,Wall Furnace,Electric,Natural Gas
  • Cooling features: Ductless,Heat Pump

Interior Area

  • Total structure area: 1,120
  • Total interior livable area: 1,120 sqft

Property

Details

  • Parcel number: 00403900019804
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Dbl Pane/Storm Window,Dining Room,Fireplace,French Doors
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level
  • Residential vegetation: Fruit Trees,Garden Space

Lot

  • Lot size: 0.49 Acres
  • Features: Paved,Deck,Dog Run,Fenced-Partially,Green House,Irrigation,Outbuildings,RV Parking

Parking

  • Parking features: Driveway,RV Parking

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Cold Wave
Heat Wave
Inland Flooding
Ice Storm
Landslide
Winter Weather

FEMA Declared Disasters in Snohomish 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 $3,514$42,168
Home Insurance *$108$1,296
Property Taxes $572$6,864
Electricity $149$1,793
Total$4,343$52,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,902/yr
40% on housing$130,290/yr
45% on housing$115,813/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$621This listing

vs Other Active Listings

Avg $/sqft

ZIP 98296$394
Snohomish County$348

vs Homes Sold Last Month

Median $/sqft

ZIP 98296$439
Snohomish County$396

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
2026-08-12Price change$674,950
2026-07-20Listed for sale$695,000
2026-07-16Pending sale$695,000
2026-07-09Listed for sale$695,000
1996-05-17Sold$138,000

For Sale by Agent

AgentEmily Calvert
BrokerageLamb Real Estate

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