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9075 Upper Frost Creek Road, Maple Falls, WA, 98266

2beds
1baths
480sqft
$398,000
$829price/sqft
$2,479/moest. monthly cost
$99,160/yrincome needed

About This Home

A rare Silver Lake retreat offering nearly five secluded acres, filtered lake views, deeded lake access, and thousands of acres of surrounding wilderness at your doorstep. The charming one bedroom one bath, off-grid cabin features, a spacious sleeping loft, cedar-wrapped walls and ceilings, hardwood floors, and a freestanding wood stove that adds warmth and classic cabin character. Tucked away on the quiet side of the lake just off Silver Lake Road, this property is an ideal basecamp for hiking, mountain biking, fishing, skiing, wildlife watching, and year-round outdoor adventure. Electricity and fiber internet are already located on the property and could potentially be connected to the cabin, creating exciting possibilities for a remote-work getaway, vacation rental, recreational escape, or full-time retreat. The acreage also includes an estimated $100,000 in marketable timber, offering additional potential and value; buyer to verify. Located less than 30 minutes from the Canadian border and approximately 45 minutes from Mt. Baker Ski Area, this unique property combines privacy, recreation, natural beauty, and opportunity in one postcard-worthy setting.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
3/10
5/10

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 1980

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Dining Room
  • Flooring: Softwood

Heating & Cooling

  • Heating features: Stove/Free Standing,See Remarks
  • Cooling features: None

Interior Area

  • Total structure area: 480
  • Total interior livable area: 480 sqft

Kitchen Without Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 4006080142310000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Dining Room,Vaulted Ceiling(s)
  • Has view: Yes
  • View description: Lake,Territorial
  • Has water view: Yes
  • Water view: Lake
  • Topography of land: Partial Slope
  • Residential vegetation: Garden Space,Wooded

Lot

  • Lot size: 4.93 Acres
  • Features: Deck

Parking

  • Parking features: Off Street

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

  • Avalanche
    AvalancheVery High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Volcanic Activity
    Volcanic ActivityModerate

How This Home’s Risks Compare

Avalanche
Ice Storm
Winter Weather
Inland Flooding
Landslide
Volcanic Activity

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 $2,012$24,144
Home Insurance *$93$1,116
Property Taxes $225$2,700
Electricity $149$1,793
Total$2,479$29,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,994/yr
40% on housing$74,370/yr
45% on housing$66,106/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

$829This listing

vs Other Active Listings

Avg $/sqft

ZIP 98266$138
Whatcom County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 98266$300
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
2026-07-31Listed for sale$398,000

For Sale by Agent

AgentAllison Trimble
BrokerageCoastal Realty

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