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42 Kingfisher Lane, Friday Harbor, WA, 98250

1beds
1baths
680sqft
$869,000
$1,278price/sqft
$5,297/moest. monthly cost
$211,880/yrincome needed

About This Home

Discover the charm of island living at this beautifully updated Mitchell Bay waterfront cottage. Nestled on 1.2 acres with 200± feet of shoreline, this private and cozy 1 bedroom, 1 bath retreat offers 680± sf of thoughtfully renovated living, blending modern comfort with timeless cabin appeal. Wake to the sights of herons, eagles, and ever changing tides, then spend your days exploring nearby Mitchell Hill, English Camp, or the dining, marina, and resort amenities of Roche Harbor. Designed for easy ownership with a durable metal roof, natural landscaping, and an efficient ductless heat pump, this turnkey property is the perfect weekend escape or island retreat. Owner is licensed WA real estate broker.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
9/10
Friday Harbor High SchoolGrades 9-126.6 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Poured Concrete,Slab
  • Roof: Metal
  • Construction materials: Wood Siding

Notable Dates

  • Major remodel year: 2019

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 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)

Basement

  • Basement: None

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Entry Hall

  • Level: Main

Features

  • Flooring: Ceramic Tile

Great Room

  • Level: Garage

Heating & Cooling

  • Heating features: 90%+ High Efficiency,Ductless,Electric
  • Cooling features: Ductless

Interior Area

  • Total structure area: 680
  • Total interior livable area: 680 sqft

Kitchen Without Eating Space

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 462651032000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Has view: Yes
  • View description: Bay,Territorial
  • Has water view: Yes
  • Water view: Bay
  • On waterfront: Yes
  • Waterfront features: Bayfront,No Bank,Saltwater
  • Frontage length: Waterfront Ft: 200±
  • Topography of land: Level

Lot

  • Lot size: 1.22 Acres
  • Features: Dead End Street,Secluded,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

  • Earthquake
    EarthquakeRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Winter Weather
Coastal Flooding
Cold Wave
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 $4,394$52,728
Home Insurance *$196$2,352
Property Taxes $558$6,696
Electricity $149$1,793
Total$5,297$63,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$181,611/yr
40% on housing$158,910/yr
45% on housing$141,253/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

$1,278This listing

vs Other Active Listings

Avg $/sqft

ZIP 98250$473
San Juan County$451

vs Homes Sold Last Month

Median $/sqft

ZIP 98250
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)

Price History

DateEventPrice
2026-07-04Listed for sale$869,000
2025-10-01Listing removed$3,750
2025-09-10Listed for rent$3,750
2018-11-14Sold$255,000

For Sale by Agent

AgentGregory King
BrokerageWindermere RE San Juan Islands

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