4909 N 38th St, Tacoma, WA, 98407
About This Home
Opportunity awaits in one of North Tacoma’s most sought-after neighborhoods, just moments from Point Ruston, Ruston Way Waterfront, and the breathtaking beauty of Puget Sound. This charming home offers 1 bedroom, 1 bathroom, and 804 square feet of living space on a 4,125-square-foot lot, presenting an incredible opportunity to enjoy the best of Pacific Northwest living. Major recent updates include a brand-new roof, brand-new HVAC system, and brand-new water heater, providing exceptional value and peace of mind for years to come. Whether you’re a first-time buyer, investor, downsizer, or simply seeking a property in an outstanding location, this home offers comfort, convenience, and endless potential. Enjoy easy access to waterfront walking trails, local restaurants, coffee shops, shopping, entertainment, marinas, and a wide variety of recreational opportunities. Spend your evenings taking in spectacular Puget Sound sunsets, exploring nearby Point Defiance Park, enjoying the vibrant atmosphere and amenities that have made Point Ruston one of Tacoma’s premier destinations. The functional floor plan provides comfortable living spaces with opportunities to personalize, refresh, or enhance to fit your vision. Properties in this highly desirable North Tacoma location remain in strong demand due to their proximity to waterfront attractions, established neighborhoods, and everyday conveniences. Offering great access to major commuting routes! All interior photos are AI altered.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1918
Materials
- Foundation: Poured Concrete
- Roof: Composition
- Construction materials: Metal/Vinyl,Wood Siding,Wood Products
Notable Dates
- Major remodel year: 1970
Type & Style
- Home type: SingleFamily
- Architectural style: 1 Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Refrigerator,Stove(s)/Range(s),Refrigerator(s),Water Heater: Gas,Water Heater Location: Utility Room
Basement
- Basement: None
Bathroom Full
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
Entry Hall
- Level: Main
Features
- Dining Room
- Flooring: Vinyl,Carpet
Heating & Cooling
- Heating features: Forced Air,Electric,Natural Gas
- Cooling features: Forced Air
Interior Area
- Total structure area: 804
- Total interior livable area: 804 sqft
Kitchen With Eating Space
- Level: Main
Living Room
- Level: Main
Master Bedroom
- Level: Main
Utility Room
- Level: Main
Property
Details
- Parcel number: 7510000390
- Zoning description: Jurisdiction: City
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Entry location: Main
- Patio & porch: Dining Room,Water Heater
- Topography of land: Level
- Residential vegetation: Garden Space
Lot
- Lot size: 4,125 sqft
- Features: Paved,Secluded,Deck,Fenced-Fully,Gas Available,High Speed Internet,Outbuildings
Parking
- Total spaces: 2
- Parking features: Driveway,Off Street
- 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
- Heat Wave
How This Home’s Risks Compare
FEMA Declared Disasters in Pierce County and Washington
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,149 | $25,788 |
| Home Insurance * | $95 | $1,140 |
| Property Taxes | $378 | $4,536 |
| Electricity | $149 | $1,793 |
| Total | $2,771 | $33,252 |
Income You'd Need if You Spent...
Washington FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-05 | Price change | $400,000 |
| 2026-06-25 | Listed for sale | $425,000 |
| 2002-11-15 | Sold | $112,000 |
| 1995-05-01 | Sold | $61,000 |
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