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4320 Shore Drive NW, Gig Harbor, WA, 98335

3beds
4baths
2,660sqft
$1,125,000
$423price/sqft
$7,643/moest. monthly cost
$305,720/yrincome needed

About This Home

A rare opportunity to reimagine this waterfront Gig Harbor property! Set on an oversized lot with 100 feet of frontage on Wollochet Bay, this custom-built, one-of-a-kind home features a striking design that captures sweeping water views from nearly every room. Expansive walls of windows and skylights fill the home with natural light while creating a seamless connection to the outdoors. The centrally located kitchen anchors the unique floorplan. Upstairs find a loft nook offering the perfect space for a home office, reading retreat or creative studio with beautiful water views. The detached casita matching the home's architecture provides added flexibility and additional possibilities. Enjoy the existing dock, newer heat pump and furnace and new wraparound deck with seating. The property offers mature PNW landscaping featuring established rhododendrons, ferns, roses and a tranquil garden pond - providing an exceptional canvas for garden enthusiasts to revive and personalize. With potential to add a detached garage and endless possibilities to renovate, modernize or thoughtfully transform this exceptional property, this is your chance to create a truly extraordinary waterfront retreat!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
7/10
Goodman Middle SchoolGrades 6-81.0 mi
9/10
Gig Harbor High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Poured Concrete
  • Roof: Tile
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 1/2 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,See Remarks,Stove(s)/Range(s),Dishwasher(s),Refrigerator(s)

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Den Office

  • Level: Second

Entry Hall

  • Level: Main

Features

  • Flooring: Ceramic Tile,See Remarks,Carpet
  • Fireplace features: See Remarks,Wood Burning

Heating & Cooling

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

Interior Area

  • Total structure area: 2,110
  • Total interior livable area: 2,660 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: Main

Property

Details

  • Parcel number: 0121245033
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Vaulted Ceiling(s)
  • Has view: Yes
  • View description: Bay,Sea,See Remarks,Sound,Territorial
  • Has water view: Yes
  • Water view: Bay,Sea,Sound
  • On waterfront: Yes
  • Waterfront features: Low Bank,Bayfront,No Bank,Sea,Sound
  • Frontage length: Waterfront Ft: 105
  • Topography of land: Level

Lot

  • Lot size: 0.81 Acres
  • Features: Paved,Secluded,Cable TV

Parking

  • Total spaces: 2
  • Parking features: Driveway,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

  • Earthquake
    EarthquakeRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
Heat Wave
Inland Flooding

FEMA Declared Disasters in Pierce 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 $5,688$68,256
Home Insurance *$274$3,288
Property Taxes $1,500$18,000
Electricity $181$2,183
Total$7,643$91,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$262,045/yr
40% on housing$229,290/yr
45% on housing$203,813/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: 9.9%
9.9%
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

$423This listing

vs Other Active Listings

Avg $/sqft

ZIP 98335$390
Pierce County$262

vs Homes Sold Last Month

Median $/sqft

ZIP 98335$357
Pierce County$312

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
2026-07-10Listed for sale$1,125,000
1982-03-01Sold$100,000

For Sale by Agent

AgentRochelle Chorak
BrokerageKeller Williams Rty Tacoma

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