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4525 Cirque (Lot 121) Street, Blaine, WA, 98230

4beds
3baths
2,154sqft
$554,950
$258price/sqft
$3,380/moest. monthly cost
$135,200/yrincome needed

About This Home

MTT's highly anticipated Grand Opening of Whisper Lake Division II in Birch Bay/Blaine. Great Opportunity for Affordable New Construction home featuring 2154 sq ft plan has 5 Bedrooms, 3 baths plus Bonus Room. Great room concept with Island kitchen, stainless appliances, quartz counters with full tile backsplash, walk-in pantry. One bedroom on main with 3/4 bath on main. Large primary bedroom with large bath and walk-in closet. Full forced air heat and A/C. Great area walking distance to Birch Bay with restaurants and shopping. Great recreation areas are close, marinas, world class crabbing, fishing, boating, fantastic golf, hiking, beach combing are w/in minutes. Buyer to choose finishes. Border Crossing is just 5 miles away. Don't miss the opportunity on the great pricing. 2-10 Warranty included.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

--
Blaine Primary SchoolGrades PK-25.5 mi
7/10
Blaine Middle SchoolGrades 6-85.6 mi
6/10
Blaine High SchoolGrades 9-125.6 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

Notable Dates

  • Major remodel year: 2026

Other

  • Builder name: MTT North Sound LLC

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,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 Three Quarter

  • Level: Main

Bathroom Three Quarter

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Den Office

  • Level: Main

Entry Hall

  • Level: Main

Features

  • Bath Off Primary,Dining Room,Pantry
  • Window features: Dbl Pane/Storm Window
  • Flooring: Laminate,See Remarks,Vinyl Plank,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Electric,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Heat Pump,Electric
  • Cooling features: Forced Air,Heat Pump

Interior Area

  • Total structure area: 2,154
  • Total interior livable area: 2,154 sqft

Kitchen With Eating Space

  • Level: Main

Master Bedroom

  • Level: Second

Utility Room

  • Level: Second

Property

Details

  • Parcel number: 4001315162100000
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

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

Lot

  • Lot size: 3,733 sqft
  • Features: Curbs,Paved,Sidewalk,Cable TV,Electric Car Charging,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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Ice Storm
Cold Wave
Inland Flooding
Winter Weather

FEMA Declared Disasters in Whatcom 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 $2,806$33,672
Home Insurance *$111$1,332
Property Taxes $314$3,768
Electricity $149$1,793
Total$3,380$40,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,885/yr
40% on housing$101,400/yr
45% on housing$90,133/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: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 98230$265
Whatcom County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 98230$323
Whatcom County$335

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
2026-06-06Listed for sale$554,950

New Construction

AgentStu Clifford
BrokerageWindermere RE/Lake Tapps, Inc

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