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12104 22nd Street SE, Lake Stevens, WA, 98258

4beds
3baths
2,556sqft
$1,034,995
$405price/sqft
$6,203/moest. monthly cost
$248,120/yrincome needed

About This Home

APRIL More with MainVue Sales Event! MOVE IN READY!! The Gardenia V2 by MainVue Homes at Overlook Ridge will exceed your expectations. The spacious home begins at the Foyer where you are met with a wood and glass paneled font door and wide-plank flooring. Continue to the Great Room, which connects the Dining and Gourmet Kitchen for one large room. The Gourmet Kitchen is adorned with European Frameless Cabinets, 3cm Quartz Counters and Stainless-Steel appliances. Upstairs is the Grand Suite, a generous quarter with a designer free-standing tub and frameless walk-in shower. Customer registration policy: Buyer’s Broker to visit or be registered on Buyer’s 1st visit for full Commission or commission is reduced.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
3/10
Centennial Middle SchoolGrades 7-80.6 mi
7/10
Snohomish High SchoolGrades 9-124.3 mi

Construction

Condition

  • Property condition: Good
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Poured Concrete
  • Roof: Composition
  • Construction materials: Cement Planked,Cement Plank

Notable Dates

  • Major remodel year: 2025

Other

  • Builder name: MainVue Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Stove(s)/Range(s),Dishwasher(s),Garbage Disposal,Microwave(s),Water Heater: Electric,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

Bonus Room

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Dining Room,Loft,Pantry
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Laminate,Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Fireplace,90%+ High Efficiency,Forced Air,Heat Pump,Electric,Natural Gas
  • Cooling features: 90%+ High Efficiency,Forced Air,Heat Pump

Interior Area

  • Total structure area: 2,556
  • Total interior livable area: 2,556 sqft

Kitchen With Eating Space

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Main

Rec Room

  • Level: Second

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 01240700001700
  • Zoning description: Jurisdiction: City
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Dbl Pane/Storm Window,Dining Room,Fireplace,French Doors,Loft,Pantry,Walk-In Closet(s),Water Heater
  • Topography of land: Level

Lot

  • Lot size: 3,663 sqft
  • Features: Curbs,Paved,Sidewalk,Cable TV,Deck,Fenced-Fully,Gas Available,High Speed Internet,Patio

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • 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

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

How This Home’s Risks Compare

Cold Wave
Earthquake
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 $5,233$62,796
Home Insurance *$176$2,112
Property Taxes $620$7,440
Electricity $174$2,097
Total$6,203$74,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$212,674/yr
40% on housing$186,090/yr
45% on housing$165,413/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

$405This listing

vs Other Active Listings

Avg $/sqft

ZIP 98258$318
Snohomish County$348

vs Homes Sold Last Month

Median $/sqft

ZIP 98258$345
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)

No zestimate history available

Price History

DateEventPrice
2026-04-11Price change$972,995
2025-11-03Price change$1,034,995
2025-10-20Price change$965,995
2025-04-28Price change$1,038,995
2025-03-22Listed for sale$1,038,830

New Construction Spec

AgentAngela Duong
BrokerageTeambuilder KW

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