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826 NW Highgarden Drive, Bremerton, WA, 98311

3beds
3baths
1,628sqft
$445,000
$273price/sqft
$2,841/moest. monthly cost
$113,640/yrincome needed

About This Home

Welcome to Silverdale in the heart of Central Kitsap! This stylish, low-maintenance home features a modern open-concept design that's perfect for everyday living and entertaining. The spacious kitchen is the heart of the home, complete with a large island ideal for meals, abundant cabinetry, stainless steel appliances, high ceilings, and durable luxury vinyl plank flooring. Just off the kitchen, step onto the private balcony—the perfect spot to enjoy your morning coffee or unwind with some fresh air. The tandem two-car garage offers plenty of room for parking plus additional storage. Upstairs, you'll find three comfortable bedrooms, including a spacious primary suite with a private ensuite bathroom. The upper level also features a convenient laundry area. Outside, the fully fenced backyard/patio provides the perfect space for relaxing, entertaining, gardening, or creating your own outdoor retreat. Stay comfortable year-round with central air conditioning—a rare and highly desirable feature in the area. Conveniently located just minutes from Highway 3, shopping centers, the Kitsap Mall, Naval Base Kitsap, Bangor, PSNS, and a variety of restaurants and amenities, this home offers the perfect blend of comfort, convenience, and modern living. Don't miss your opportunity to make it yours—schedule your showing today!

Getting Around

7
WalkingCar-Dependent
26
TransitSome Transit
15
BikeSomewhat Bikeable

Schools

7/10
6/10
9/10

Construction

Condition

  • Year built: 2020

Materials

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

Type & Style

  • Home type: Townhouse
  • Architectural style: Townhouse
  • Property subType: Townhouse,Single Family Residence

Interior

Appliances

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

Basement

  • Basement: None

Bathroom Full

  • Level: Second

Bathroom Full

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Entry Hall

  • Level: Lower

Features

  • Bath Off Primary,Dining Room
  • Flooring: Vinyl Plank,Carpet

Heating

  • Heating features: Forced Air,Natural Gas

Interior Area

  • Total structure area: 1,628
  • Total interior livable area: 1,628 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Other

  • Level: Main

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 56780000110007
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Entry location: Lower
  • Patio & porch: Bath Off Primary,Dining Room
  • Topography of land: Level

Lot

  • Lot size: 1,742 sqft
  • Features: Curbs,Paved,Sidewalk,Cable TV,Deck,Fenced-Fully,Gas Available,High Speed Internet

Parking

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

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
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 $2,250$27,000
Home Insurance *$109$1,308
Property Taxes $333$3,996
Electricity $149$1,793
Total$2,841$34,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,405/yr
40% on housing$85,230/yr
45% on housing$75,760/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

$273This listing

vs Other Active Listings

Avg $/sqft

ZIP 98311$191
Kitsap County$294

vs Homes Sold Last Month

Median $/sqft

ZIP 98311$282
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)

Price History

DateEventPrice
2026-07-29Listed for sale$445,000
2020-12-04Sold$335,435

For Sale by Agent

AgentKeylla Otero
Brokerage360 Real Estate Group

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