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420 W Lough Lane, Westport, WA, 98595

1beds
2baths
1,913sqft
$550,000
$288price/sqft
$3,542/moest. monthly cost
$141,680/yrincome needed

About This Home

This one-of-a-kind, custom-built oceanfront home blends mid-century charm with endless potential. Originally built in 1959 with a later addition, the open, airy cabin features 1 bedroom plus bonus room, 2 bathrooms, vaulted ceilings, skylights, and custom cabinetry. While natural beach growth has shifted the ocean views, the property offers room to remodel, expand, or rebuild closer to the shore. Set on a private street just a short walk to the water, it also includes an unfinished basement, attached garage with a new roof (2025), and a permitted 4-bedroom septic design—ready for your vision of the perfect coastal retreat.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

4/10
Ocosta Elementary SchoolGrades PK-61.2 mi

Construction

Condition

  • Property condition: Average
  • Year built: 1959

Materials

  • Foundation: Block,Poured Concrete
  • Roof: Flat
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Dishwasher(s),Microwave(s),Range/Oven,Refrigerator(s),Water Heater: Electric,Water Heater Location: utility room in garage

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom Three Quarter

  • Level: Lower

Bathroom Three Quarter

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Lower

Dining Room

  • Level: Lower

Entry Hall

  • Level: Lower

Features

  • Dining Room
  • Window features: Dbl Pane/Storm Window,Skylight(s)
  • Flooring: Vinyl Plank,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Lower Level: 1,Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace,Forced Air,Electric,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 1,913
  • Total interior livable area: 1,913 sqft

Kitchen Without Eating Space

  • Level: Lower

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Utility Room

  • Level: Garage

Property

Details

  • Parcel number: 161225210010
  • Zoning: R3
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Lower
  • Patio & porch: Dbl Pane/Storm Window,Dining Room,Fireplace,Skylight(s),Vaulted Ceiling(s),Water Heater
  • Has view: Yes
  • View description: Ocean,Territorial
  • Has water view: Yes
  • Water view: Ocean
  • On waterfront: Yes
  • Waterfront features: Low Bank,Ocean Front,Saltwater
  • Frontage length: Waterfront Ft: 60
  • Topography of land: Level

Lot

  • Lot size: 0.52 Acres
  • Features: Dead End Street,Deck
  • Lot size dimensions: 60 x mean high tide

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

  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tsunami
    TsunamiRelatively High
  • Coastal Flooding
    Coastal FloodingModerate

How This Home’s Risks Compare

Earthquake
Ice Storm
Tsunami
Coastal Flooding

FEMA Declared Disasters in Grays Harbor 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 $2,781$33,372
Home Insurance *$186$2,232
Property Taxes $426$5,112
Electricity $149$1,793
Total$3,542$42,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,440/yr
40% on housing$106,260/yr
45% on housing$94,453/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 98595$233
Grays Harbor County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 98595$249
Grays Harbor County$232

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)

No zestimate history available

Price History

DateEventPrice
2026-05-08Price change$550,000
2026-02-01Price change$575,000
2025-10-08Price change$605,000
2025-07-16Price change$649,000
2025-05-05Listed for sale$675,000

For Sale by Agent

AgentJennifer F. Custer
BrokerageWindermere R.E. Westport

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