Oak Harbor Homes with No Bank Waterfront description

Oak Harbor Homes with No Bank Waterfront description

Welcome to Oak Harbor, a charming city located in Island County, Washington, USA. Known for its picturesque landscapes and vibrant community, Oak Harbor offers a perfect blend of natural beauty and modern amenities.

One of the unique features of Oak Harbor is its stunning waterfront properties with no bank water access. Imagine waking up to the soothing sound of the waves and enjoying breathtaking views right from your doorstep. Homes with no bank waterfront in Oak Harbor provide a rare opportunity to live a tranquil lifestyle surrounded by nature.

Whether you are looking for a cozy cottage overlooking the water or a spacious family home with a private dock, Oak Harbor has a diverse range of waterfront properties to suit every taste and budget. From enjoying water activities like kayaking and fishing to simply relaxing by the shore, living in a no bank waterfront home in Oak Harbor offers a truly idyllic experience.

Explore the real estate options in Oak Harbor and discover the perfect waterfront property that allows you to embrace the beauty of the Pacific Northwest. Experience the best of waterfront living in Oak Harbor, where every day feels like a vacation.

Newest Oak Harbor Homes with No Bank Waterfront description

$1,070,000
2 Beds ⋅ 2 Baths ⋅ 2565516 MLS ⋅ ACTIVE Status
This remodeled no-bank waterfront home would make the ideal and profitable vacation rental!!! Step inside or onto the deck and experience a true wow moment. It’s worth a drive to experience the scale and setting in person. Photos can’t capture how the view draws you across the boardwalk to the beach. Watch the sun rise over the Cascades, Saratoga Passage boat traffic in front of Camano Island, or Olympic sunsets from the firepit. Investment-minded buyers get a turn-key, no-ferry getaway to enjoy now and the long-term flexibility to expand across .72 level acres into a retreat or dream home. Strong short-term stay history and mid-term rental potential for relocating Navy personnel. All new upstairs: kitchen, great room, and two bedrooms with private baths. A large basement offers space for visiting guests and hanging out. Energy-efficient updates include new roof, windows, exterior paint, and generator for years of hassle-free enjoyment. Go crabbing, launch kayaks, or dig for clams in your own backyard. Enjoy shopping, movies, or a play in downtown Oak Harbor. Explore Coupeville, Port Townsend, the San Juan Islands, or any of the many state parks, biking or hiking trails. Mariner’s Cove is a hidden gem, away from heavy jet traffic and the West side’s high banks and high winds. RV hookup and boat parking on property; boat launch a block away. Available furnished. No HOA.

1818 Lola Beach Lane, Oak Harbor

Listing courtesy of Coldwell Banker Danforth.

$375,000
2 Beds ⋅ 2 Baths ⋅ 2561984 MLS ⋅ ACTIVE Status
LOCATION, VIEW, & CONVENIENCE all wrapped up in one condo. Bright, open concept floor plan features spacious living area, which allows for a view from kitchen, living area, dining, and study. Kitchen features: updated appliances, and counter tops, eating bar & plenty of natural light. Easy living with hard surface floors, generous primary bedroom with another bedroom, which could be guest room, office, hobby room or all of the above. Lovely primary en suite with bathtub, shower and sink. Plenty of storage with coat closet, two hall closets, seperate laundry room with lots of storage & loads of garage storage. Windows galore to view the Puget Sound, Windjammer Park, and the city. Watch the moon rise over the ocean, see the sparkling water in the sunshine, count the sailboats as they go out to race, have morning coffee as you watch the eagles soar, seals hide, & smell the salt air. The view is your entertainment. Walk 3 blocks to the Post Office, 6 blocks to the grocery store, across the street to Island Transit to take you all over Whidbey and beyond. Festivals, parades, and businesses downtown are a block away. Walk along the waterfront and pick blackberries, what a life! Fantastic LOCATION, amazing, diverse VIEWS, and close proximity to waterfront and downtown CONVENIENCE. Wonderful opportunity to experience ALL Whidbey has to offer.

651 SE Bayshore Drive Unit #C102, Oak Harbor

Listing courtesy of COMPASS.

$620,000
2547206 MLS ⋅ ACTIVE Status
A rare opportunity on one of Whidbey Island’s most coveted stretches of shoreline, this undeveloped West Beach waterfront lot offers the kind of setting that becomes a legacy. At just over 3/4 of an acre, with approximately 80' of waterfront and 190' of road frontage, the property gently slopes toward the water while maintaining an elevated potential building site designed to take in the drama of the Salish Sea without feeling exposed to it. Much of the groundwork has already been thoughtfully considered. A 3-bedroom septic system is installed off-site on a neighboring property to preserve and maximize the building envelope, and the property includes a water share with Hideaway Water. The sellers have also completed a stunning custom home design with Yonkman Construction, ready for the next step toward engineering and permitting. Here, privacy is not just possible — it is unusually attainable for waterfront. Well-established trees between neighboring properties create a natural buffer, while a 200-year-old Sitka spruce stands as a quiet sentinel over it all. The shoreline tells a story all day long: a shallow bench just offshore creates a beloved local surf wave, eagles glide past, wildlife moves through the landscape, and ships trace the horizon. Evenings bring otherworldly sunsets that stop conversation mid-sentence. Perfectly positioned between the conveniences of Oak Harbor and the historic seaside charm of Coupeville, this property offers both privacy and connection.

West Beach Road, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$1,599,950
3 Beds ⋅ 3 Baths ⋅ 2545289 MLS ⋅ ACTIVE Status
A private Pacific Northwest retreat with breathtaking mountain, ocean, Puget Sound, and Strait views on 4.58 secluded acres! Tucked behind a gated entry at the end of a quiet dead-end street, this custom 3-bedroom, 2.5-bath home offers a main-level primary suite with fireplace and jetted tub, soaring vaulted ceilings, skylights, a spacious great room, den/office, wet bar, walk-in pantry, and French doors that open to expansive outdoor living spaces. Enjoy the large deck and patio surrounded by peaceful natural beauty. The property also features an attached garage plus a detached shop/garage with parking for 4 vehicles, RV parking, and a non-conforming 1-bedroom, 1-bath DADU—ideal for guests, extended living, a home office, or potential rental income. A rare opportunity to own an exceptional estate offering unmatched privacy, panoramic views, and endless possibilities, just minutes from town.

913 Riley Road, Oak Harbor

Listing courtesy of Keller Williams Eastside.

$2,795,000
4 Beds ⋅ 3 Baths ⋅ 2539910 MLS ⋅ ACTIVE Status
A rare opportunity to own a private waterfront estate on Whidbey Island, featuring more than 400 feet of low-bank shoreline and sweeping 180-degree views across Skagit Bay. Set behind a gated entry on 2.4 acres, the property offers exceptional privacy, scale, and direct water access. The 4-bed, 2.5-bath home features an open-concept layout with soaring ceilings, expansive windows, abundant natural light, and marine views. A spacious chef’s kitchen flows into the main living and dining areas, creating an inviting setting for everyday living and waterfront entertaining. Hardwood floors and a thoughtful layout make the home equally suited as a primary residence, second home, or luxury island retreat. Outdoor living includes an expansive waterfront deck, hot tub, and direct shoreline access. Enjoy ever-changing views of Skagit Bay, frequent bald eagle sightings, seals, and passing orcas. A detached three-bay garage provides generous space for vehicles, recreational equipment, or storage. The property has an established history as a successful luxury vacation rental with strong demand and repeat guests. Financials available with inquiry and pre-approval. Experience the privacy, natural beauty, and extraordinary waterfront lifestyle of this one-of-a-kind Whidbey Island estate.

3364 Bultman Lane, Oak Harbor

Listing courtesy of American Dream R. E. Services.

$1,200,000
3 Beds ⋅ 3 Baths ⋅ 2539626 MLS ⋅ ACTIVE Status
Experience refined coastal living in this custom-built waterfront retreat featuring 100 feet of highly desirable low- to no-bank shoreline & sweeping, unobstructed views of the bay, Cascade Mountains, Hope Island, & the La Conner Channel. Watch the Victoria Clipper & sailboats pass by while enjoying abundant wildlife, including eagles overhead plus Blue Herons and sea otters along the shoreline. This thoughtfully designed single-level home offers 3 bdrm’s plus a versatile den or office just off the entry. Expansive windows frame stunning water views from nearly every room, capturing both vibrant sunrises & sunsets, along with the iconic alpenglow on Mt. Baker. Full-length view deck creates seamless indoor-outdoor living, ideal for relaxing in a peaceful waterfront setting. Open-concept kitchen is well-appointed with SS appliances & Corian countertops, flowing effortlessly into the main living areas—perfect for hosting or preparing the day’s fresh catch. Peaceful, low-traffic waterfront community, residents enjoy access to a nearby boat launch for crabbing & salmon fishing, scenic walking paths around the lagoon, & a private community clubhouse. Terraced in front for added privacy, with ample parking above & along the side of the home, providing plenty of space for boats & recreational vehicles. Spacious backyard offers endless possibilities for outdoor living & entertaining. Included parcel across the street, home to the offsite septic mound, offering future flexibility.

639 E Beacon View Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$630,000
2 Beds ⋅ 1 Baths ⋅ 2536643 MLS ⋅ ACTIVE Status
Perched above the shores of El Capitan Beach, this extraordinary waterfront property offers a rare opportunity to own a piece paradise where you can live on the beach & have the potential to build a house on the bluff with incredible views. With 35+/- feet of water frontage at the beach & views stretch across Saratoga Passage to Mt. Baker & North Cascades, creating a spectacular backdrop from sunrise to sunset. Rarely does a property combine property, beach access, panoramic views, & development potential in such an exceptional waterfront setting. Wander down 72 steps to the charming waterfront 2 bedroom beach cottage that captures the essence of coastal living. Windows frame stunning water & mountain views, an expansive deck provides a perfect setting for entertaining, relaxing, & watching passing boats, eagles soaring, & seasonal whale sightings. Direct beach access to the shoreline for beachcombing, kayaking, paddleboarding, & waterfront adventures. Just minutes from town & Deception Pass. Whether you're seeking a waterfront getaway, investment opportunity, vacation rental potential, or an ideal site to create your dream estate, this remarkable property delivers unmatched possibilities. Experience the tranquility, beauty, & timeless appeal of island living where every day feels like a vacation & the ever-changing waters of Saratoga Passage become part of your daily landscape. This is a once-in-a-lifetime opportunity to own a truly special piece of Whidbey Island waterfront

3130 Green Road, Oak Harbor

Listing courtesy of Coldwell Banker 360 Team.

$995,000
1 Beds ⋅ 2 Baths ⋅ 2526145 MLS ⋅ ACTIVE Status
New Bulkhead - an investment of over $200,000! Fantastic AirBNB opportunity! Spectacular views from this Waterfront Home on West Beach Drive! You will Love the Sunsets from your Oceanfront Patio! If Nature is your thing, take in the regular sightings of Eagles, Whales, Seals and more! This home is Fully Reconstructed from the slab up – Everything is Brand Spanking New! Beautiful New Stainless Steel Kitchen with Quartz countertops! Gorgeous New Acacia Real Hardwood Floors! Spacious Open Concept Main Floor (Your Guests Will Love You if You have a Sleeper Sofa for their Overnight Stays!) Private upstairs bedroom with separate Bathroom! A Brand Will keep the Home Safe for Years to Come! Plenty of Room for Off-Street Parking!

2629 W Beach Road, Oak Harbor

Listing courtesy of Hallmark Realty.

$699,000
2524413 MLS ⋅ ACTIVE Status
With 133 ft of Sound waterfront and a short walk to a freshwater lake, you can enjoy the best of both worlds! This beachfront property is flat, level, west-facing and just south of Deception Pass. Located within the gated Surfcrest community with beautiful sandy beaches and views to take in, this home already has septic system and drain field installed and all utilities ran to property so you can focus on the more fun stuff like designing your dream home!

38 A Surfcrest Drive, Oak Harbor

Listing courtesy of Windermere Real Estate Central.

$339,000
2487674 MLS ⋅ ACTIVE Status
Build with confidence in Mariners Cove, where the hard work is already done. This build-ready lot features a newly installed 2-bedroom septic system and offers flexibility with potential house plans—or bring your own custom design and make it truly yours. Wake up to panoramic views of Skagit Bay, Camano Island, and the Cascade Mountains, all from your future home site. Positioned along the canal, this property delivers both scenery and lifestyle. Enjoy private community amenities including a boat ramp, beach access, and community docks—perfect for days spent on the water or evenings with neighbors. Whether you envision a peaceful coastal escape or an active waterfront lifestyle, this rare opportunity gives you the foundation to start building right away. Secure your place in Mariners Cove and turn your vision into reality.

2271 Mariner Beach Drive, Oak Harbor

Listing courtesy of RE/MAX Gateway.

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