Lummi Island Homes with Conventional Terms

Lummi Island Homes with Conventional Terms

Lummi Island: A Hidden Gem in Whatcom County, Washington

Nestled in the picturesque Whatcom County of Washington state, Lummi Island is a charming destination that offers a tranquil and idyllic lifestyle. Situated in the United States, Lummi Island is a hidden gem that attracts those seeking a peaceful retreat away from the hustle and bustle of city life.

Lummi Island is renowned for its natural beauty, with breathtaking views of the surrounding waters and lush greenery. The island is a haven for outdoor enthusiasts, offering opportunities for hiking, kayaking, and beachcombing. With its close proximity to the San Juan Islands, Lummi Island also provides easy access to a myriad of recreational activities, including whale watching and sailing.

For those considering a move to Lummi Island, there is a range of homes available with conventional terms. Whether you are looking for a cozy cottage or a spacious waterfront property, Lummi Island has options to suit every taste and budget. Residents can enjoy the tranquility of island living while still having access to essential amenities such as grocery stores, restaurants, and community services.

Lummi Island is not only a residential paradise but also a close-knit community. The island hosts various events and gatherings throughout the year, fostering a strong sense of community spirit. From farmers markets to art festivals, there is always something happening on Lummi Island.

If you are searching for a place to call home where natural beauty meets a tight-knit community, Lummi Island should be at the top of your list. Discover the serenity and charm that Lummi Island has to offer, and make this hidden gem your own.

Newest Lummi Island Homes with Conventional Terms

$2,850,000
3 Beds ⋅ 1 Baths ⋅ 2563020 MLS ⋅ ACTIVE Status
TWO HOMES + Buildable Lot. First time on market in over 70 years, this extraordinary legacy waterfront offering is a rare opportunity to own two homes + buildable lot w/shop! Totaling 1.92 acres along w/250' of premium waterfront on Lummi Island’s east-facing shoreline overlooking Hales Passage, Portage Island, & the Cascade Mountains w/stunning Mt Baker views. Entire waterfront is 2nd class tidelands. The beach home is at 1442 Seacrest is a 2,066 SF, 3-bed home wi/main-level primary suite, uniquely positioned just 8’ from the bulkhead—an irreplaceable location no longer permitted under current shoreline setback regulations. Enjoy unmatched proximity to the water, expansive views & direct beachfront living. Includes 2 private mooring buoys.The secondary home at 1438 Seacrest sits on the bluff & offers 1,466 SF, 2 beds & extensive updates including new roof (2020), bath remodel & flooring (2021), range & microwave (2023), furnace & HWT (2024), plus an 800 SF TREX deck w/glass railing, 400 SF tile patio, 300 SF shop/storage building & charming 12’×20’ beach cookhouse log cabin. 100’ of bulkhead-protected no-bank waterfront includes steps, ramp & 10’ boat launch area.The third parcel is over an acre itself of 100' high-bank waterfront & a substantial 1,200 SF shop with power, propane, mezzanine & oversized doors (13’6”, two 12’, one 8’). Ideal for storage, marine use, hobby space or future homesite.A truly rare multi-generational waterfront estate opportunity on Lummi Island.

1442 Seacrest Drive, Lummi Island

Listing courtesy of NextHome Northwest Living.

$323,000
2558674 MLS ⋅ ACTIVE Status
Bring your island dream to life on this beautiful, sun-filled lot overlooking iconic Legoe Bay and the San Juan Islands. Partially cleared to showcase the breathtaking views, this property offers the perfect canvas for your custom home or peaceful island retreat. Hilltop Water Association service is already connected, and electricity is available at the street, making it easy to begin planning your build. Just bring your septic design and vision! A 10x20 shed is already on the property, offering lots of possibilities. Conveniently located less than a mile from the ferry, island market, restaurants, and beaches, this is a rare opportunity to own a piece of Lummi Island paradise.

2077 Granger Way, Lummi Island

Listing courtesy of Windermere RE Whatcom, Inc..

$1,150,000
2 Beds ⋅ 2 Baths ⋅ 2551048 MLS ⋅ ACTIVE Status
Discover the best of Lummi Island living in this beautifully crafted 2008 Lindal waterfront home featuring 2 bedrooms, 2 baths, a spacious loft, and a daylight basement. Thoughtfully designed with vaulted ceilings and expansive windows, the open-concept living area is filled with natural light and showcases stunning Mt. Baker & Hales Passage views. Fully equipped kitchen with seating & dining space.Step outside to the generous wraparound deck, the perfect place to enjoy morning coffee, entertain guests, or unwind while taking in spectacular sunsets and abundant marine wildlife with Orcas on occasion. Private beach access invites you to kayak, paddleboard, beachcomb, or simply enjoy the peaceful shoreline just steps from your door.The versatile loft offers additional living or office space, with 3/4 bath. The fully finished daylight basement provides room for hobbies, recreation, or additional guests.. French doors exit to an expansive patio, steps away from the private beach access. A detached shop adds exceptional flexibility for projects, equipment, or extra storage. Topped with a distinctive red metal roof, this home blends timeless Northwest style with durability and coastal living. The Ferry is 1/4-mile away for your commuting convenience.Whether you’re looking for a full-time residence, or island getaway, this exceptional waterfront retreat offers privacy, breathtaking views, and the relaxed coastal lifestyle that makes Lummi Island so special.

2339 N Nugent Road, Lummi Island

Listing courtesy of KW Greater Seattle.

$617,499
3 Beds ⋅ 2 Baths ⋅ 2549290 MLS ⋅ ACTIVE Status
Lummi Island living at its finest! Perched in the desirable Isle Aire community, this 3-bedroom, 1.75-bath home offers 2,352 square feet of flexible living space and breathtaking west-facing views of the San Juan Islands and Strait of Juan de Fuca. Watch spectacular sunsets from your expansive deck and keep an eye out for passing orcas, eagles, and ever-changing marine activity. The main level features comfortable living with two bedrooms, a full bath, eat in kitchen, and inviting living room centered around a cozy wood-burning fireplace. Downstairs, a separate living area with an additional bedroom, ¾ bath, second wood-burning fireplace, and private entrance provides ideal space for guests, extended living, or a private retreat. The detached two-car garage offers excellent workshop space, built-in storage, and room for hobbies, recreational gear, or island projects. Outside, enjoy beautifully landscaped gardens, ample space for growing your own vegetables and flowers, and a welcoming fire pit gathering area perfect for relaxing under the stars. Located just blocks from Isle Aire’s private west-facing beach, ownership includes deeded beach rights and the opportunity for your own mooring buoy. Miles of nearby walking trails begin just beyond the backyard, offering easy access to the island’s natural beauty. Whether you’re seeking a full-time residence or the perfect island getaway, this property delivers the best of Lummi Island’s relaxed coastal lifestyle.

2536 Island View Lane, Lummi Island

Listing courtesy of RE/MAX Whatcom County, Inc..

$1,499,000
3 Beds ⋅ 3 Baths ⋅ 2548503 MLS ⋅ ACTIVE Status
Discover an extraordinary custom-built waterfront home that beautifully captures the spirit of Northwest contemporary design. Meticulously crafted by the original owners, this one-of-a-kind home features reclaimed siding from a local bank, rich interior wood from the GP Mill, and elegant marble sourced from WWU. Nestled on 103 feet of private, low-bank saltwater beach, this property offers panoramic views of majestic Mt. Baker and the cityscape of Bellingham. Step outside your door to enjoy clamming and oyster picking at low tide, or set off for a day of kayaking and paddleboarding on tranquil waters. Boating enthusiasts will appreciate the private mooring buoy, while the home itself is engineered to exceed seismic and building codes, ensuring peace of mind and lasting value. Inside, soaring eucalyptus and old-growth timber ceilings frame generous living spaces with radiant-heated concrete and wood floors. The home’s three expansive levels include two fully equipped kitchens, making the lower level an ideal private suite for guests or multi-generational living. Entertain effortlessly with an oversized garage, ample parking, two sunny decks, and a patio featuring a fire pit, hot tub, and sauna. This property is a rare blend of artistry, comfort, and Pacific Northwest beauty—a home that must be experienced in person to truly appreciate its exceptional character and endless amenities. Life is better on the beach...improve yours!

1822 Seacrest Drive, Lummi Island

Listing courtesy of Windermere RE Whatcom, Inc..

$699,000
3 Beds ⋅ 3 Baths ⋅ 2535726 MLS ⋅ ACTIVE Status
Discover refined island living in this beautifully updated 3-bedroom, 2.5-bath home on Lummi Island, featuring sweeping saltwater views, protected natural surroundings, and the welcoming lifestyle of Scenic Estates. Soaring vaulted ceilings and expansive picture windows fill this home with natural light and showcase stunning water and territorial views. The 2024 composite deck offers the perfect setting for outdoor dining, entertaining, or relaxing in the hot tub while enjoying island tranquility. A standout feature is the walk-out lower level with a private bedroom, full bath, and living area. This flexible space offers separation for guests, multigenerational living, a home office, or a private retreat. A secure covered storage area provides ideal space for kayaks, paddleboards, bicycles, island adventure gear, hobbies or other essentials. Recent updates include a brand-new roof (2026), fresh interior and exterior paint, updated window treatments, new range, generator wiring, and a remodeled primary bath with a spacious walk-in shower (2024). Located in desirable Scenic Estates bordering protected open space, enjoy private beaches, marina, clubhouse, freshwater swim lake, trails, and recreation areas. Whether as a full-time residence or weekend escape, this home offers the perfect blend of comfort, privacy, and Pacific Northwest Island living—all just a short ferry ride from the mainland.

1058 Dana Circle, Lummi Island

Listing courtesy of Sterling Real Estate Group.

$695,000
3 Beds ⋅ 3 Baths ⋅ 2533492 MLS ⋅ ACTIVE Status
This beautifully crafted 2-bedroom home with a den/office (or optional 3rd bedroom) and 2.5 baths welcomes you with a slate entry, built-in storage bench, vaulted ceilings, warm wood floors, and stunning custom woodwork throughout.A wall of clerestory windows fills the main living space with natural light while framing peaceful wooded, water, and Mt. Baker views. Surrounded by nature, the property feels wonderfully private while still offering access to neighborhood amenities. The custom cherry kitchen provides exceptional storage and flows easily into the living and dining areas. Expansive composite decks on both levels create inviting spaces for entertaining or simply enjoying the tranquil setting.The lower level features a spacious primary suite with radiant heated floors, a walk-in closet, and a deep soaking Jacuzzi tub, along with a second bedroom, den, and additional bath.Included in the sale is the adjacent lot, which had approval (current design has expired) for a 2-bedroom septic system, offering flexibility and value. Build a guest cottage, garage with living quarters, studio, or other future improvements, or hold the lot as an investment to potentially sell separately in the future (buyer to verify intended uses).Community ownership includes access to a private boat launch, swimming lake, and clubhouse. A rare opportunity to enjoy privacy, views, and future potential in one exceptional property. If buyer is interested, this home can be sold (mostly) furnished.

2986 Hales Passage Drive, Lummi Island

Listing courtesy of Lummi Island Realty LLC.

$950,000
1 Beds ⋅ 1 Baths ⋅ 2533034 MLS ⋅ ACTIVE Status
Rare low-bank waterfront retreat on Lummi Island offering nearly an acre of shoreline, timeless NW character & exceptional future potential. Set on two legal lots, this unique property includes a charming beachfront cottage on one parcel & a 2nd buildable lot included in the sale, creating a rare opportunity for expansion, a guest home, future residence, or investment. Warm natural wood interiors, a cozy wood stove, and walls of windows frame peaceful Salish Sea & Mt. Baker views from the main living spaces. Twin French doors open to a waterfront deck perched just steps above a protected beach ideal for beachcombing, clamming, crabbing, oystering, kayaking, and exploring the shoreline. The detached optional guest quarters or game room provides flexible space for visitors & recreation. For years, guests have returned to this special property to experience the peaceful waterfront setting & authentic island lifestyle, creating a successful history and current performance as a sought-after AirBNB. Walk the beach to the island market, enjoy dinner at the Beach Store Café, or simply spend the day watching wildlife and the changing tides from your deck. Located just a short ferry ride from the mainland, this is a rare opportunity to enjoy waterfront living today while preserving the flexibility, income potential, and long-term value of a second legal buildable lot. Schedule your visit and experience the magic!

1865 Seacrest Drive, Lummi Island

Listing courtesy of COMPASS.

$465,000
2 Beds ⋅ 3 Baths ⋅ 2523089 MLS ⋅ ACTIVE Status
Two Lots. Three Levels. Infinite Views. Perched across two expansive lots among the towering evergreens of Lummi Island Scenic Estates, this magnificent three-story coastal retreat commands sweeping, east-facing views of Bellingham Bay and the snow-capped peak of Mt. Baker. Designed to effortlessly merge indoor luxury with outdoor beauty, each of the three distinct levels features its own private deck and dedicated bathroom, offering unmatched privacy and comfort for guests. Light pours into the main living floor, highlighting an inviting, open layout where the kitchen and living spaces take full advantage of the scenery. Upstairs, the spacious primary suite serves as a boutique sanctuary, complete with its own panoramic view deck and a spa-inspired travertine bath. The lower walk-out level is an entertainer’s dream, featuring a massive cinema room with a pull-down projector screen and seamless slider access to nature. Beyond your double-lot estate, exclusive Scenic Estates community amenities await—including a private beach, boat launch, swimming pool, clubhouse, and sports courts. Your ultimate Pacific Northwest island lifestyle has arrived.

2944 Dogwood Terr, Lummi Island

Listing courtesy of Skyline Properties, Inc..

$439,000
2 Beds ⋅ 2 Baths ⋅ 2520054 MLS ⋅ ACTIVE Status
Lovingly known as “The Birdhouse,” this charming two bedroom, one bath home plus office/art bonus room is nestled among beautiful evergreens, offering privacy and peaceful island living. The home features gleaming wood floors, two Trex decks, a new Jotul fireplace, new range, Rinnai on-demand hot water heater, and a wired fast-charge electric vehicle charger. Relax in the nearly new state-of-the-art saltwater hot tub surrounded by nature. The lower partially finished daylight level is heated and plumbed, providing excellent space for a workshop, studio, hobby room, or storage. Homeownership includes access to a swimming lake, playground, saltwater boat launch, beach access, and community clubhouse—bringing together the best of recreation, community, and island living. Additional storage shed for all of your outdoor tools.

1136 Island Drive, Lummi Island

Listing courtesy of Lummi Island Realty LLC.

$2,400,000
3 Beds ⋅ 2 Baths ⋅ 2508283 MLS ⋅ ACTIVE Status
An exceptional west-side investment and development opportunity on Lummi Island. This rare 6+ acre waterfront offering features 700 feet of private shoreline, fertile farmland, and expansive west-facing views across the Strait of Georgia and San Juan Islands—where sunsets become part of daily life. Flexible zoning supports both agricultural and residential use, presenting outstanding potential for an estate compound, working farm, or thoughtfully planned multi-parcel development. Adjoining parcels are available, creating nearly 20 contiguous acres—one of the island’s most compelling west-facing land opportunities. A true highlight is the exceptional ~7,000 square foot barn, offering remarkable versatility for a range of uses including agricultural operations, artist or retreat space, event venue, makers space, or a farm-to-table concept—blending lifestyle and income potential. The land is peaceful and abundant, with organic orchards, established gardens, open pasture, and meandering walking trails that invite connection to the natural surroundings. Owner financing available with excellent terms offers a rare and compelling opportunity in today’s market.

2395 W Shore Drive, Lummi Island

Listing courtesy of Lummi Island Realty LLC.

$99,000
2490415 MLS ⋅ ACTIVE Status
Lummi Island view lot with sweeping views of Bellingham Bay, Mount Baker, and the Twin Sisters. Multiple potential building sites in this sloped terrain, allowing for flexible placement and view-oriented design. Scenic Estates water hookup on property. Approved septic permit in place with primary and reserve drain field areas staked. Existing shared driveway access on the lower portion of the property, with a trail extending upslope. The lot backs directly onto state land with access to protected open space and connection to the Baker Preserve trail system. Can be purchased individually or in combination with the adjacent lot for expanded development options. Schedule a tour today!

3071 Hales Passage Drive, Lummi Island

Listing courtesy of Keller Williams Western Realty.

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