Island County Homes with No Bank Waterfront description

Island County 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 County Homes with No Bank Waterfront description

4495 Moran Beach Drive, Oak Harbor
$760,000
2 Beds ⋅ 1 Baths ⋅ 2601550 MLS ⋅ FIRST LOOK Status
Rarely does an opportunity arise to own 50 feet of coveted no-bank waterfront on the shores of Whidbey Island. Offers direct beach access and owned tideland rights, providing a seamless connection to the Puget Sound and breathtaking views of the Strait of Juan de Fuca. The existing home has a footprint of 980sf with 2 beds/1bath. With a brand new septic system (June 2026) installed and preliminary site plans in hand to streamline your vision. Your creative vision allows the choice to renovate or build a custom coastal retreat, this site is the perfect canvas for waterfront living. Your private shoreline awaits!

4495 Moran Beach Drive, Oak Harbor

Listing Broker: COMPASS; Sterling Roe; 425-785-7107; sterling.roe@compass.com

903 Port Susan Terrace Road, Camano Island
$1,495,000
2 Beds ⋅ 2 Baths ⋅ 2601246 MLS ⋅ ACTIVE Status
Sunrises over the Sound, sweeping mountain views, and your own stretch of sandy beach! Welcome to this classic Port Susan Terrace waterfront retreat, nestled on a LARGE lot with 75 feet of walk-out, sandy beach and deep water along a protected bay. The spacious lot offers abundant parking, including room for your RV and boat trailer.  Inside, vaulted open-beam ceilings and a dramatic wall of windows frame panoramic views of the Cascades, migrating whales, passing boats, and ever-changing beach activity. Gather around the inviting brick fireplace and hearth for cozy evenings after a day on the water or chilly winter nights. The home features a primary bedroom with attached full bath, a spacious guest bedroom, an additional bonus bunk room, laundry area, and full guest bath. Step outside to the covered deck and soak in the spectacular views, with wraparound coverage extending to the carport. A separate toy/storage garage with roll-up door provides convenient space for all your beach and boating gear. Port Susan Terrace is a quiet, private waterfront community featuring some of the area's most desirable shoreline. Enjoy deep water for moorage and an exceptional area for kayaking, paddling, boating, fishing, and swimming. A rare opportunity to own a true legacy beach home where a little updating makes every day feel like a getaway. Camano, the no-ferry island makes this special waterfront retreat even more appealing. Welcome to your beach life! Some photos are virtually staged.

903 Port Susan Terrace Road, Camano Island

Listing Broker: Windermere Real Estate/CIR; Ray Mueller; 360-929-1585; rmueller@windermere.com

75 Utsalady Road, Camano Island
$1,295,000
2 Beds ⋅ 1 Baths ⋅ 2599979 MLS ⋅ ACTIVE Status
Utsalady Bay Waterfront at its best, this adorable full time or part time home has not been offered in over 40 years, truly one of a kind, with elbow room on each side that lets you enjoy your views with no obstruction, includes 45’ of private beach + tidelands. Relax and get cozy next to the natural gas fireplace with panoramic views of Sunsets and Wildlife, Large outdoor patio bulkhead provides the PERFECT spot for seaside dining or throw a fishing line out on high tide to catch dinner, no HOA great STR location, Layout is perfect with two bedrooms on main and a extra bonus room upstairs for guest or office with a view. Ladies Aid just across the street for gatherings or to be apart of the luncheons through out the year and gatherings like the parade on the 4th of July, This location has so much energy and love to make memories forever for everyone, from crabbing out front to boating in your front yard over to La Conner in 20 min for lunch. Beach Walking or Just Relaxing by the Fireplace watching the Seals, Ducks, Whales and Eagle and Heron swing by, no-ferry Camano Island ~ Just 1 hr. North of Seattle!

75 Utsalady Road, Camano Island

Listing Broker: Camano Island Real Estate; Mitzi C. Cameron; 425-308-1188; mitzi@previewnw.com

XY Dallman Road, Camano Island
$85,000
2598892 MLS ⋅ ACTIVE Status
Seller financing available on Camano Island vacant land near Port Susan. This 0.69-acre (30,039 SF) parcel in the Tyee Beach community is located just off Shoreline Drive, with beautiful sunrise views and close proximity to the water. The sloped lot offers an opportunity for investors, builders, and land buyers seeking property on Camano Island. Buyer to verify access, utilities, zoning, critical areas, and development feasibility.

XY Dallman Road, Camano Island

Listing Broker: Keller Williams Western Realty; Rebecca Ann Jancic; 360-445-0239; rebeccajancic@kw.com

8051 Sandy Hook Drive, Clinton
$2,170,000
2 Beds ⋅ 3 Baths ⋅ 2594334 MLS ⋅ ACTIVE Status
Legacy waterfront estates rarely come to market. This custom new build in Sandy Hook, one of South Whidbey Island’s classic waterfront communities, pairs fine craftsmanship with 209' of bulkhead waterfront and a floating tidal dock for your dinghy, kayaks, or swimming. Floor-to-ceiling windows frame the immense living room and its views of passing boats and epic sunrises. The Chef's kitchen is built for gathering, with an oversized island, Gabana Leathered Quartzite, Wolf and Sub Zero appliances, a substantial stone hood, custom rustic alder cabinetry, and a handmade reclaimed wood chandelier overhead. Thoughtful details carry throughout, from reclaimed wood trim to a classic nautical side scuttle door window. In-floor radiant heat and ductless AC keep the home comfortable in every season. Over 2,300 square feet of living space offers two bedrooms, including a primary with ensuite featuring custom floor to ceiling seamless porcelain. The main floor office makes working from home a pleasure, and the flex space welcomes overnight guests or extra gear. The gated property is just steps from the community marina and park. Sandy Hook residents enjoy a pool, sports courts, private community waterfront, and marina access for launching or mooring boats. Properties like this are seldom offered. This is a place to create memories for generations to come. Come find your Whidbey!

8051 Sandy Hook Drive, Clinton

Listing Broker: COMPASS; Tim Criswell; 206-753-9377; tim.criswell@compass.com

1924 Shore Avenue, Freeland
$3,980,000
3 Beds ⋅ 5 Baths ⋅ 2580819 MLS ⋅ ACTIVE Status
Set along coveted Shore Avenue, one of Whidbey Island’s most sought-after waterfront locations, this turnkey luxury home offers an extraordinary combination of refined living, thoughtful updates, and truly breathtaking views. Enjoy 50+/- feet of waterfront with a sweeping southern panorama stretching to Mt. Rainier and downtown Seattle, framed by the majestic Cascade and Olympic mountain ranges. Just beyond your doorstep, a beautiful sandy beach invites leisurely strolls, beachcombing, and exploration along the shoreline, extending down and around the ever-popular Double Bluff Beach. The waterfront setting is also ideal for enjoying the best of Puget Sound recreation, from kayaking and paddleboarding to exploring the shoreline by water. The home has undergone a full interior remodel since being acquired, complemented by all-new windows and doors completed in 2026 and fresh cedar shingle siding on the south side. With 3 bedrooms, 4 baths, and flexible space for additional sleeping areas, the well-designed floor plan offers versatility for hosting guests, with the added convenience of main-floor living should one desire. Enjoy the best of island living just minutes from Freeland’s amenities, including shopping, dining, parks, and everyday essentials. Whether envisioned as a full-time residence or a luxurious island retreat, this exceptional waterfront property delivers ever changing scenery, modern comfort, and connection to the natural beauty of Whidbey Island.

1924 Shore Avenue, Freeland

Listing Broker: Windermere RE/South Whidbey; Louis Muniz; 360-969-1028; louismuniz@windermere.com

742 Livingston Bay Shore Drive, Camano Island
$875,000
3 Beds ⋅ 3 Baths ⋅ 2591124 MLS ⋅ ACTIVE Status
NO BANK WATERFRONT PARADISE on the north end of Camano Island. The nostalgic charm of the 1970's is filled with a rare blend of privacy, waterfront appeal and classic character. Enjoy fabulous views of Mount Rainier, Cascade Mountains & Port Susan along with spectacular sunrises, sunsets and a front row seat to nature's show of eagles, herons and an abundance of waterfowl. The sunny southern exposure shows the entire wall of windows with breathtaking scenery filling the home with natural light. Beautiful cedar vaulted ceilings and thick cedar siding showcase the solid built home, with its 2nd owner. A primary bedroom suite features a walk-in closet and an attached full bath. Two additional bedrooms, a guest bath and a half bath in the utility/mudroom provide comfortable living. Built-in cabinets extend the entire length of the home offering storage galore. The inviting living room flows into the kitchen's seating area and formal dining space filled with views and nature's beauty. Step outside to your expansive view deck on your 90' of level waterfront. This special setting has one of the community's larger waterfront parcels adjacent to a large farm land parcel at the very end of the road. An over-sized 2 car garage and generous driveway provide plenty of area to park your boats, trailers and guests. A new septic system has just been installed along with the fresh new lawn. Conveniently located near restaurants, schools, shopping and a 18 hole golf with easy access to I-5.

742 Livingston Bay Shore Drive, Camano Island

Listing Broker: Windermere Real Estate/CIR; Jan J Mather; 360-507-4133; janmather@windermere.com

371 Vine Street, Camano Island
$2,398,000
4 Beds ⋅ 6 Baths ⋅ 2591784 MLS ⋅ ACTIVE Status
Sunset on Vine! Sweeping westside views of Saratoga Passage, the Olympics & Mt. Rainier, with captivating sunsets! Coveted Camano Island westside setting between Camano Island & Cama Beach State Parks. Walk to scenic park trails & beach! Private gated entry welcomes you to a beautifully landscaped 3/4-acre retreat with fruit trees, gardens & room to play. Open, light-filled floor plan blends casual elegance, custom finishes & over $800K in upgrades. Gorgeous kitchen with Sub-Zero refrigerator, custom cabinetry & slab granite. Sumptuous main-floor primary suite with fireplace, soaking tub, Kohler steam shower & heated floors. Den, en suite guest bedroom, living & dining rooms complete the main level. Beautifully appointed garden level offers recreation room, 2nd kitchen, 2 en suite bedrooms, radiant floor heat & 500+ bottle wine cellar. Laundry rooms on both levels! Three fireplaces add warmth & ambiance. Expansive entertainment-sized view deck with electric heaters, covered patio, gas fire pit & hot tub. Detached carriage house with fitness studio/bedroom, 3/4 bath & 33' boat/RV garage, tons of storage & workbench. Oversized attached 3 car garage at main house with storage galore. Kohler automatic generator, Unico heating/cooling, Navien on demand hot water, Sonos sound inside & out, central vac & art screen TV. Thoughtfully designed for everyday comfort & memorable gatherings. An extraordinary island retreat for building memories, relaxing & savoring unforgettable sunsets!

371 Vine Street, Camano Island

Listing Broker: Windermere Real Estate/East; Randy Reeves; 206-947-9979; rreeves@windermere.com

1878 Shore Avenue, Freeland
$1,800,000
2 Beds ⋅ 2 Baths ⋅ 2592281 MLS ⋅ ACTIVE Status
Welcome to Shore Ave, one of Whidbey Island's most sought-after beach communities. Own your slice of paradise with 35+/- ft of pristine no-bank waterfront on Useless Bay, where you step from the deck straight onto the sand. This single-level 1941 beach cottage offers 2 bedrooms and 1.75 baths, with breathtaking views of Mt. Rainier and the Seattle skyline across the water. Recent updates include a metal roof, new carpet and fresh interior and exterior paint, so the cottage is ready to enjoy from day one. Expansive decks make the most of the setting and lead directly to your private beach and tidelands, all on an 11,326 sq ft lot. Named "Useless" by early sailors who couldn't anchor their large ships here, the bay is anything but. Its unique geography reveals nearly 1,000 ft of sugar-sand beach at low tide, perfect for beachcombing, long walks and everything else that comes with beachfront living. One level, no bank and one of the most coveted beaches in the Pacific Northwest: this is the Whidbey Island waterfront cottage you have been waiting for.

1878 Shore Avenue, Freeland

Listing Broker: Windermere RE North, Inc.; Christopher Wesley Rigby; 425-220-0621; crigby@windermere.com

5924 Cedar Street, Freeland
$2,990,000
2 Beds ⋅ 2 Baths ⋅ 2590498 MLS ⋅ ACTIVE Status
Imagine waking up to the gentle sound of waves and watching West-side sunsets, the Olympic Mountains, and passing marine life right from your door. Situated in the center of coveted Mutiny Bay on Washington’s "Gold Coast" and just around the corner from Double-Bluff Beach, this beachfront gem offers the ultimate island lifestyle—whether as a year-round residence, a summer escape, or a high-potential rental. The 2,184-squarefoot home sits on a spacious 12,000-square-foot lot protected by a bulkhead. Inside, a wide-open main floor with vaulted ceilings and massive windows brings the Puget Sound scenery right into your living space. This fully remodeled 2-bedroom, 2-bath home—featuring an additional versatile office and a spacious bonus room—also boasts two cozy floor-to-ceiling fireplaces and extensive updates completed in 2020. The fully finished basement offers a complete secondary living zone with crisp, recently updated finishes, ensuring the entire home is turn-key and ready. Experience beachfront living at its absolute finest!

5924 Cedar Street, Freeland

Listing Broker: Windermere Real Estate/East; Tammy Yao; 650-288-8242; tammy@vestus.com

507 Race Road, Coupeville
$2,275,000
3 Beds ⋅ 3 Baths ⋅ 2590512 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 Broker: Realogics Sotheby's Int'l Rlty; Alex Thomas; 425-422-8942; alex.thomas@rsir.com

1106 Bayshore Drive, Camano Island
$2,500,000
3 Beds ⋅ 3 Baths ⋅ 2585490 MLS ⋅ ACTIVE Status
Nestled on the convenient north end of Camano Island, this exquisitely remodeled no-bank waterfront home offers an unparalleled blend of luxury and casual coastal island living. Positioned to capture breathtaking, west-facing views of Saratoga Passage and the majestic Olympic Mountains, this residence transforms the Pacific Northwest landscape into a living work of art featuring captivating golden hour sunsets. The residence opens seamlessly to the outdoors, featuring a sprawling waterside deck and the walkout patio is designed for effortless entertaining. The newly built bulkhead has stairs for direct access to the shoreline; beachcomb, swim, crab, paddle all from your own backyard. Inside, the floor plan showcases master craftsmanship, and luxury coastal vibes at every turn. The epicurean kitchen is a chef’s dream featuring high end appliances and finishes. The primary bedroom serves as an oasis escape, boasting an expansive boutique-style walk-in closet and a lavish, spa-inspired ensuite bathroom. The home is complete with a built-in generator, porcelain tile on the first floor, two additional bedrooms, a spacious home office, 2 additional bathrooms and 2 defined living rooms, making entertaining a breeze. This turnkey sanctuary delivers a rare, ferry-free waterfront lifestyle complete with the convenience of being close to all amenities.

1106 Bayshore Drive, Camano Island

Listing Broker: North48 Real Estate; Kerri Jones; 206-963-6615; kerri@camanokerri.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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