Island Homes with No Bank Waterfront description

Island Homes with No Bank Waterfront description

Welcome to Island County, located in the beautiful state of Washington, USA. Nestled in the heart of the Pacific Northwest, Island County offers a unique blend of natural beauty, vibrant communities, and a thriving real estate market.

One of the most sought-after features in this county is the availability of homes with no bank waterfront. True to its name, these properties offer direct access to the water without the need for a bank or cliff to navigate. Imagine waking up to breathtaking views of the shimmering waters, enjoying your morning coffee on your private deck, or indulging in water activities right from your backyard.

Island County's no bank waterfront homes cater to a variety of lifestyles and budgets. Whether you're looking for a cozy cottage or a luxurious estate, there are options to suit every taste. From Whidbey Island to Camano Island, you'll find an array of properties that provide the perfect balance between privacy and convenience.

Aside from the stunning waterfront properties, Island County boasts a rich history, vibrant arts scene, and an abundance of outdoor recreational opportunities. Explore the quaint towns and villages, visit local galleries and museums, or embark on hiking trails that lead to breathtaking vistas.

If you're considering investing in real estate in Island County, now is the perfect time to explore the available options. Don't miss out on the opportunity to own a piece of this idyllic waterfront paradise. Contact a local real estate agent today to start your journey towards finding the perfect home with no bank waterfront in Island County, Washington.

Newest Island Homes with No Bank Waterfront description

$1,070,000
2 Beds ⋅ 3 Baths ⋅ 2565516 MLS ⋅ ACTIVE Status
Stunning fully remodeled no-bank waterfront home with 85 ft of beachfront and panoramic south-facing views across Saratoga Passage to Camano Island. This beautiful beachfront home is designed for easy living with the focus on what matters most—the view. Enjoy morning coffee with eagles, migrating gray whales, and Cascade sunrises. Step across your private boardwalk for beach walks, kayaking, crabbing, and waterfront relaxation. Evening time? Olympic sunsets and a beachfront fire pit. NOTE: A camera lens simply can't capture how the expansive view and natural setting feel. It's worth a drive to check out this one-of-a-kind slice of island life. The home features private bedrooms, 2.5 baths, flexible basement that can sleep plenty of guests, kayak storage, boat parking, RV hookup, and a level .72-acre lot. Nearby attractions include Strawberry Point Preserve, Fort Casey, Coupeville, and the San Juans. No ferry required—90 minutes from Snohomish County via Deception Pass. Can be sold turn-key with furnishings, electronics, and housewares. No HOA; would make an amazing and profitable vacation rental. New roof, paint, energy-efficient windows, and generator for years of hassle-free enjoyment. Mariner’s Cove beach is North Whidbey’s hidden gem, known for peaceful waterfront living away from the heavier jet noise, winds and high banks found in many other beach communities. The boat launch is just down the street.

1818 Lola Beach Lane, Oak Harbor

Listing courtesy of Coldwell Banker Danforth.

$1,795,900
3 Beds ⋅ 2 Baths ⋅ 2562566 MLS ⋅ ACTIVE Status
Welcome to this Whidbey Island Beachfront Retreat! This mid-century beach house is full of character and original charm, offering 3 bedrooms, 2 baths, and 1,937 square feet spread comfortably across two stories, a convenient footprint that lives easy and welcomes gatherings and is perfect for entertaining. Generous windows frame incredible views: Useless Bay, the Olympic Mountains, partial Mt. Rainier, the Seattle skyline, and the big ships passing by. Every room invites you to slow down and take it in. Head outside where this property truly shines. A true stretch of waterfront, framed by driftwood and sea grass, captures everything that makes this part of Whidbey Island so beloved. Watch eagles ride the thermals over Useless Bay, build a beach fire as the sun drops behind the Olympics, or simply sit with your coffee and watch the tide roll in. Sunlight Beach Road is one of South Whidbey's quiet, established beach communities, just minutes from the Clinton ferry and close to Langley's shops and restaurants. You'll be surrounded by the kind of neighbors who've been coming here for generations. Whether you're looking for a full-time residence, a weekend retreat, or an investment in island living, this home offers something that's hard to find: a walk-out waterfront at a scale that feels like home.

2556 Sunlight Beach Road, Clinton

Listing courtesy of KW Greater Seattle.

$849,900
1 Beds ⋅ 1 Baths ⋅ 2535976 MLS ⋅ ACTIVE Status
Set on the tranquil shores of Penn Cove along sought-after Madrona Way, this waterfront retreat is all about the views, the setting & the lifestyle. Major remodel, top to bottom: NEW 50-year roof, concrete siding & trim, vinyl windows, gutters & synthetic decking — plus new carpet & LVP flooring, paint (inside & out), doors & updated bath over a treated crawl space. The big work is behind you, so weekends go to the water instead of the to-do list. Inside, 912 sq ft offers 2 bedrooms, 1 bath & a living room warmed by a cozy free-standing wood stove--where picture windows frame panoramic views of Penn Cove, Mount Baker & the Cascades. Outside, 50+ feet of no-bank waterfront & tideland rights open to your very own private beach. Kayak, paddle-board or beach-comb, then watch the sun set from the deck while sailboats drift across protected waters. Add in frequent Orca sightings & everyday life feels extraordinary. Minutes from historic Downtown Coupeville...and you've just unlocked something truly special...

1982 Madrona Way, Coupeville

Listing courtesy of Windermere Whidbey Island.

$409,000
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.

$1,698,520
2 Beds ⋅ 2 Baths ⋅ 2546969 MLS ⋅ ACTIVE Status
No-bank waterfront home with 70+ ft of shoreline + owned tidelands! (Significant legal/premium value) Rare West-facing Utsalady Bay with spectacular sunsets. Direct steps-from-yard to beach for crabbing, clamming, kayaking or just relaxing and soaking up the sun. No ferry required. Sits on a private, gated dead-end street with NO HOA. Over $125k invested on new engineered concrete bulkhead (30+ yr protection), new Sierra Pacific windows/doors, new composite decking, and gas generator (warranty to 2028). Features 2BR + Den, 2 BA, fireplace, and a finished basement on a 15682 SF lot with a custom paved drive. Primary suite features French doors opening directly to the beach. Step from your yard to kayak, crab, or enjoy epic sunsets. Minutes to Stanwood!

1287 Gerdes Road, Camano Island

Listing courtesy of Skyline Properties, Inc..

$857,000
2 Beds ⋅ 3 Baths ⋅ 2554283 MLS ⋅ ACTIVE Status
Discover an exceptional lakefront lifestyle on Smith Lake in Camaloch. Designed for effortless main-level living, this home offers 2 bedrooms plus a guest room, primary bath with heated floors, soaring vaulted ceilings, expansive windows that provides abundant natural light, and tranquil water views. Entertain from two levels of lakeside decking featuring a new saltwater hot tub, sauna, beautiful gardens, and a lower-level wet bar. Great opportunity for multi-generational living. Recent improvements include a new furnace with A/C, tankless water heater, upgraded insulation, generator-ready electrical system, and fully fenced yard. Enjoy gated community living with complimentary golf on the 18-hole course, two pools, clubhouse, dining that overlooks the course, and the trout stocked lake.

299 Lochwood Drive, Camano Island

Listing courtesy of Windermere Real Estate/CIR.

$1,775,000
3 Beds ⋅ 3 Baths ⋅ 2546190 MLS ⋅ ACTIVE Status
Some properties are simply special. This charming waterfront beach cabin on coveted Old Beach Road has been a treasured family retreat for decades and is ready for its next chapter. Set on one of Whidbey Island's most desirable beaches, it's the kind of place where memories are made year after year. Spend your days beachcombing, kayaking, paddleboarding, watching eagles soar overhead, or simply relaxing as the tides ebb and flow. This is the timeless Whidbey beach lifestyle so many dream about. The property includes the original beach cabin, the original boathouse, a detached garage, and a separate guest cottage with a half bath, offering wonderful flexibility for hosting friends. A private well serves the property, and the septic system has already been inspected. Whether you envision preserving it's nostalgic charm or creating your own waterfront legacy, opportunities like this are few and far between. If you've been searching for an authentic Whidbey Island beach property on one of the island's most treasured stretches of shoreline, this is a place you'll never forget.

848 Old Beach Road, Freeland

Listing courtesy of Windermere RE/South Whidbey.

$2,795,000
3 Beds ⋅ 4 Baths ⋅ 2553398 MLS ⋅ ACTIVE Status
A once-in-a-generation opportunity on coveted Madrona Beach. This rare west-side, walk-out waterfront estate is being offered for the first time ever. Remarkably, no property within this intimate enclave of just four homes has transferred outside of family ownership in more than 40 years, making this one of Camano Island's most desirable waterfront offerings. Enjoy level access to the beach, sought after tideland ownership, breathtaking sunsets, and an ever-changing marine panorama. Thoughtfully designed and impeccably maintained, the home showcases timeless materials, quality craftsmanship, and numerous updates throughout. Walls of windows frame sweeping water views while warm wood ceilings create an atmosphere that is both elegant and inviting. All 3 bedrooms feature private ensuite baths, plus heated bathroom floors and an office, with murphy. Expansive beachfront decking with electric sunshades, beautifully landscaped grounds, abundant parking, and a rare beachside workshop with sink provide flexibility for hobbies & waterfront recreation. Four irrigated raised garden beds, Marionberry, blueberry, and raspberry plantings offer a rare opportunity to garden and harvest just steps from the shoreline.Whether gathering, entertaining friends, or simply enjoying the tranquility of the beach, this is a legacy property designed to be treasured for generations. Rarely does a west-facing walk-out waterfront home with tideland ownership and such a storied history become available.

309 Seascape Drive, Camano Island

Listing courtesy of Windermere Real Estate/CIR.

$2,395,000
3 Beds ⋅ 3 Baths ⋅ 2549084 MLS ⋅ ACTIVE Status
Experience 770 feet of waterfront surrounding a crystal-clear lagoon that is continuously replenished by the adjoining Saratoga Passage known for its deep-water boat traffic. Race Lagoon serves as a peaceful bird sanctuary for the White Pelican, herons, eagles, owls and more. Set on 2.4 PRIVATE, level acres, this extraordinary retreat offers breathtaking water views from nearly every room. Launch a kayak or paddleboard from your shoreline, paddle directly into the open waters of Saratoga Passage, and enjoy one of Whidbey Island's most desired waterfront settings. Inside, this extraordinary timber-framed home features soaring vaulted ceilings with dramatic exposed beams and walls of glass that frame the spectacular views while seamlessly connecting to a private courtyard. The main-level primary suite and great room open to an entertainer's dream, complete with a hot tub, outdoor kitchen, fire pit, and the sparkling lagoon with Mt Baker as your backdrop. Radiant-heated concrete floors and a gas fireplace provide year-round comfort. A proven luxury vacation rental, this property is one of Whidbey Island's most sought-after VRBO generating exceptional rental income thanks to its rare waterfront setting, privacy, resort-style amenities, and unforgettable guest experience.

507 Race Road, Coupeville

Listing courtesy of Realogics Sotheby's Int'l Rlty.

$599,000
1 Beds ⋅ 1 Baths ⋅ 2549246 MLS ⋅ ACTIVE Status
Rare opportunity to own a charming waterfront beach cottage in coveted Juniper Beach, where homes rarely become available. Enjoy Camano Island's sought-after no-ferry lifestyle with convenient bridge access and an expansive beach that stretches for what feels like miles at low tide. Whether you're searching for a peaceful full-time residence, weekend retreat, or waterfront getaway, this home offers an authentic Pacific Northwest coastal experience .Inside, you'll find vaulted cedar ceilings, an open-concept living area, loft overlooking the main living space, driftwood chandelier, stainless appliances, newer dishwasher, mini-split heating and air conditioning, wall heaters, and a spacious Trex deck designed for taking in the ever-changing waterfront views. The unfinished lower level provides abundant storage and houses the laundry hookups and water heater. Step outside to enjoy beachcombing, kayaking, paddleboarding, wildlife viewing, and unforgettable sunsets from your own stretch of shoreline. Shared bulkhead provides shoreline protection while preserving easy beach access. Looking for additional space? This home is also available as part of a rare, combined offering with the neighboring waterfront residence MLS#2549244, as combined listing MLS#2549244.

872 Juniper Pointe Lane, Camano Island

Listing courtesy of Salt & Sound Realty.

$1,799,950
2 Beds ⋅ 2 Baths ⋅ 2546567 MLS ⋅ ACTIVE Status
Rare waterfront opportunity in Driftwood Shores! This 2BR + flex room, 2BA home enjoys water views from both the front and back of the house. The beachfront features 100ft of sound frontage with a built-in fire pit, custom 6-hole putting green & boat ramp access. The fully fenced backyard also boasts 100ft of bayfront, plus a wraparound deck with new Brazilian hardwood. 50-yr metal roof has more than half its life left. Inside: floor-to-ceiling windows showcase stunning water views, heated floors, A/C, tankless hot water & built-in surround sound. Large kitchen w/ SS appliances. Primary suite w/ en suite on the 2nd floor, plus a versatile office loft. 892 sq ft heated 3-car garage w/ finished attic adds rare storage/shop space. A true Puget Sound retreat in a private community—don't miss it!

301 Driftwood Shores Road, Camano Island

Listing courtesy of Rain Town Realty + JPAR.

$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.

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