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3815 295th Avenue NW, Stanwood, WA, 98292

3beds
3baths
2,766sqft
$1,239,995
$448price/sqft
$7,470/moest. monthly cost
$298,800/yrincome needed

About This Home

Welcome home to Cottonwood Creek! **Photos reflect typical finishes and are of staged Lot 3; This incredibly beautiful and tranquil gated community features 5 homes, each on appx 1 acre ~ Photos are of staged lot 3, each have their own unique finishes! Homes feature 2766 spacious ASF, with 3 large bedrooms PLUS a den / office, 2.5 bathrooms, 15' vaulted ceilings at the entry, gorgeous entertainment-sized kitchen, and a great room with floor to ceiling stone fireplace! You will love this builder's attention to detail, come see us! To get to the development GPS 29505 40th Avenue Northwest Stanwood

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

6/10
3/10
Stanwood Middle SchoolGrades 6-83.8 mi
7/10
Stanwood High SchoolGrades 9-122.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

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

Notable Dates

  • Major remodel year: 2025

Other

  • Builder name: Acme Homes LLC

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 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 Location: Garage

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Den Office

  • Level: Main

Dining Room

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Ceiling Fan(s),Dining Room
  • Window features: Dbl Pane/Storm Window
  • 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
  • Cooling features: 90%+ High Efficiency,Forced Air,Heat Pump

Interior Area

  • Total structure area: 2,766
  • Total interior livable area: 2,766 sqft

Kitchen With Eating Space

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 32041500200700
  • Special condition: Standard
  • Other equipment: Wired for Generator

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Vaulted Ceiling(s),Walk-In Closet(s),Wired for Generator
  • Topography of land: Level,Partial Slope
  • Residential vegetation: Garden Space

Lot

  • Lot size: 1 Acres
  • Features: Cul-De-Sac,Cable TV,Gated Entry,High Speed Internet,Patio,Propane,RV Parking

Parking

  • Total spaces: 3
  • Parking features: Attached Garage,RV Parking
  • Has garage: Yes
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Volcanic Activity
    Volcanic ActivityModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave
Ice Storm
Landslide
Volcanic Activity
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 $6,270$75,240
Home Insurance *$268$3,216
Property Taxes $743$8,916
Electricity $189$2,270
Total$7,470$89,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$256,114/yr
40% on housing$224,100/yr
45% on housing$199,200/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

$448This listing

vs Other Active Listings

Avg $/sqft

ZIP 98292$329
Snohomish County$348

vs Homes Sold Last Month

Median $/sqft

ZIP 98292$361
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
2026-04-21Price change$1,249,995
2026-03-26Price change$1,289,995
2026-01-15Listed for sale$1,299,995

New Construction Spec

AgentJennifer Kaye Doulas Cumming
BrokerageJohn L. Scott Mill Creek

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