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12138 Cobble Hill Drive SE, Sultan, WA, 98294

4beds
3baths
2,495sqft
$639,999
$257price/sqft
$4,089/moest. monthly cost
$163,560/yrincome needed

About This Home

Welcome to this stunning 2022-built modern home in a thoughtfully planned Cobble Hill neighborhood with breathtaking mountain views. This 4 bed, 2.25 bath home features a gourmet kitchen with sleek finishes, and a spacious island that flows into bright dining and living areas. Enjoy easy access to a private backyard perfect for BBQs and relaxation. Upstairs, the primary suite offers a walk-in closet and spa-inspired bath, plus three versatile bedrooms for guests or office space. Energy efficient construction and quality craftsmanship throughout. Move-in ready and close to parks, trails, and amenities. See this impeccably maintained, and set in a community surrounded by striking mountain scenery, don’t miss this exceptional opportunity.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
Sultan Elementary SchoolGrades K-51.5 mi
6/10
Sultan Middle SchoolGrades 6-81.3 mi
5/10
Sultan Senior High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2022

Materials

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

Notable Dates

  • Major remodel year: 2022

Other

  • Builder name: Century Communities

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Loft
  • Flooring: Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Electric,Natural Gas
  • Cooling features: Forced Air

Interior Area

  • Total structure area: 2,495
  • Total interior livable area: 2,495 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Main

Property

Details

  • Parcel number: 01212700004900
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Fireplace,Loft,Walk-In Closet(s),Water Heater
  • Has view: Yes
  • Residential vegetation: Brush,Wooded

Lot

  • Lot size: 4,791 sqft
  • Features: Curbs,Paved,Sidewalk,Fenced-Partially,Patio

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Off Street
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Landslide
    LandslideVery High
  • Earthquake
    EarthquakeRelatively High
  • Avalanche
    AvalancheModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Earthquake
Avalanche
Cold Wave
Heat Wave
Ice Storm
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 $3,236$38,832
Home Insurance *$145$1,740
Property Taxes $538$6,456
Electricity $170$2,047
Total$4,089$49,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,194/yr
40% on housing$122,670/yr
45% on housing$109,040/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

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 98294$232
Snohomish County$348

vs Homes Sold Last Month

Median $/sqft

ZIP 98294$300
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
2026-04-22Price change$664,999
2026-02-19Listed for sale$669,999
2026-01-08Listing removed$669,999
2025-11-05Listed for sale$669,999
2023-09-19Sold$615,000

For Sale by Agent

AgentHayden Bowles
BrokerageMarketplace Sotheby's Intl Rty

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