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4948 NE North Tolo Road, Bainbridge Island, WA, 98110

4beds
6baths
4,190sqft
$2,420,000
$578price/sqft
$14,464/moest. monthly cost
$578,560/yrincome needed

About This Home

Crafted by Thad Van Winkle, this exceptional new construction white farmhouse is just moments from Battle Point Park and offers refined living with a focus on quality and thoughtful design. Inside, European distressed oak flooring runs throughout, paired with 10’ ceilings and 8’ five-panel solid doors that enhance the home’s bright, open-concept layout. The kitchen is designed to impress, featuring Thermador stainless appliances, a 48” range, 42” refrigerator, wine fridge, beverage drawer, and a generous walk-in pantry with custom cabinetry and prep sink. An 8-foot island with a 3” solid alder top anchors the space and invites gathering. The main level includes a primary suite and a dedicated office. Upstairs, a second primary suite is joined by three additional bedrooms, a large bonus room, and a convenient laundry area. Comfort extends year-round with a propane fireplace, infrared patio heaters in the breezeway, and a whole-house generator. A two-car garage with finished space above and a full bath offers flexibility for guests, a home office, or studio. Exceptional craftsmanship and carefully selected finishes complete this standout Bainbridge Island home, where timeless style meets modern living.

Getting Around

3
WalkingCar-Dependent
14
TransitMinimal Transit
32
BikeSomewhat Bikeable

Schools

8/10
Woodward Middle SchoolGrades 7-82.6 mi
10/10
Bainbridge High SchoolGrades 9-123.1 mi

Construction

Condition

  • Property condition: Very Good
  • New construction: Yes
  • Year built: 2026

Materials

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

Other

  • Builder name: Thad VanWinkle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Stove(s)/Range(s),Dishwasher(s),Garbage Disposal,Microwave(s),Refrigerator(s),Water Heater: Heat Pump Water Heater - Electric,Water Heater Location: Garage

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Garage

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2

Bonus Room

  • Level: Garage

Den Office

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Dining Room,Pantry
  • Door features: French Doors
  • Window features: Dbl Pane/Storm Window
  • Flooring: Ceramic Tile,Engineered Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Gas,See Remarks,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Fireplace,Ductless,Heat Pump,Radiant,Electric
  • Cooling features: Ductless,Heat Pump

Interior Area

  • Total structure area: 4,190
  • Total interior livable area: 4,190 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Garage

Other

  • Level: Main

Rec Room

  • Level: Second

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 17250220062006
  • Special condition: Standard
  • Other equipment: Leased Equipment: Propane NW,Wired for Generator

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Second Primary Bedroom,Bath Off Primary,Dbl Pane/Storm Window,Dining Room,Fireplace,French Doors,Pantry,Sprinkler System,Walk-In Closet(s),Water Heater,Wet Bar,Wine/Beverage Refrigerator,Wired for Generator
  • Has view: Yes
  • View description: Territorial
  • Topography of land: Level
  • Residential vegetation: Garden Space

Lot

  • Lot size: 0.92 Acres
  • Features: Paved,Deck,High Speed Internet,Patio,Propane

Parking

  • Total spaces: 6
  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 2
  • Uncovered spaces: 4

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
Landslide

FEMA Declared Disasters in Kitsap 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 $12,236$146,832
Home Insurance *$450$5,400
Property Taxes $1,492$17,904
Electricity $286$3,439
Total$14,464$173,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$495,908/yr
40% on housing$433,920/yr
45% on housing$385,706/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: 9.3%
9.3%
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

$578This listing

vs Other Active Listings

Avg $/sqft

ZIP 98110$524
Kitsap County$293

vs Homes Sold Last Month

Median $/sqft

ZIP 98110$545
Kitsap County$302

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
2026-04-23Listed for sale$2,648,000
2024-04-25Sold$369,000
2013-05-09Sold$130,280

New Construction

AgentTy Evans
BrokerageWindermere RE Bainbridge

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