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177 Harmon Ranch Hill Road, Decatur Island, WA, 98221

2beds
2baths
1,990sqft
$795,000
$399price/sqft
$4,590/moest. monthly cost
$183,600/yrincome needed

About This Home

NW contemporary home located on Decatur Island in the desirable Decatur NW Community. Set on Sheep Hill, take in stunning views of the sparkling water, Olympic mountains, and picturesque grazing sheep. Home features a spacious open living space off the kitchen plus a versatile flex room just steps up to accommodate easy entertaining and comfortable work space. Enjoy 600+ acres of co-owned island forest with trails and sandy beaches to comb for island treasures. A private community foot ferry for residents takes you from Anacortes to the private community deep water dock, making travel a breeze; staff await your arrival. Your relaxing island get-a-way awaits!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

--
6/10
Lopez Middle High SchoolGrades 6-123.6 mi

Construction

Condition

  • Property condition: Average
  • Year built: 1996

Materials

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

Notable Dates

  • Major remodel year: 1996

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer,Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),Washer(s),Water Heater: Electric,Water Heater Location: Above Sauna in crawlspace

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bathroom Three Quarter

  • Level: Second

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Split

Entry Hall

  • Level: Main

Features

  • Ceiling Fan(s),Sauna
  • Door features: French Doors
  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Main Level: 1,Fireplace
  • Fireplace: Yes

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Fireplace,Baseboard,Stove/Free Standing,Electric,Wood
  • Cooling features: None

Interior Area

  • Total structure area: 1,990
  • Total interior livable area: 1,990 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 152050080000
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Ceiling Fan(s),Fireplace,French Doors,Sauna,Vaulted Ceiling(s),Walk-In Closet(s),Water Heater
  • Has view: Yes
  • View description: Sound,Territorial
  • Has water view: Yes
  • Water view: Sound
  • Topography of land: Sloped

Lot

  • Lot size: 9,374 sqft
  • Features: Dead End Street,Secluded,Deck,Patio

Parking

  • Parking features: Driveway

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

  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Earthquake
Inland Flooding

FEMA Declared Disasters in San Juan 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 $4,019$48,228
Home Insurance *$158$1,896
Property Taxes $264$3,168
Electricity $149$1,793
Total$4,590$55,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,371/yr
40% on housing$137,700/yr
45% on housing$122,400/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: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$399This listing

vs Other Active Listings

Avg $/sqft

ZIP 98221$382
San Juan County$452

vs Homes Sold Last Month

Median $/sqft

ZIP 98221$384
San Juan County$599

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
2026-04-14Price change$845,000
2025-07-02Listed for sale$875,000

For Sale by Agent

AgentElizabeth Duryea
BrokerageWindermere RE North, Inc.

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