Pending FeasibilityWaterfront

3169 Agate Bay Lane, Bellingham, WA 98226

Bellingham, WA 98226 · Bellingham
3 bd3 ba2,933 sqft3.1 ac lotBuilt 1980House
$4,495,000 $1533 / sqft · Cumulative Days Active: 65 Estimate your monthly payment ↓
Contemporary, Bellingham Listing by COMPASS 1 / 40
Price / sqft$1533
Lot3.1 acres
Year built1980
TypeHouse
HOANone
Cumulative Days Active65

About this home

Tucked along the sunny eastern edge of Lake Whatcom sits this exceptional private estate. Comprising 3.1 private acres of flat, usable land, the property features nearly 900 feet of low-bank sandy shoreline—an increasingly rare amount of direct, effortless lake access. The west facing orientation, with unobstructed exposure delivers sunlight from dawn through the long, cinematic sunsets that define life on Lake Whatcom. Three docks and a dedicated boat ramp ensure seamless launch points for whatever vessels or watercraft suit the season, while the generous moorage invites both serious boating and spontaneous summer afternoons. At the heart of the estate are two primary residences. The main home is a refined contemporary with three bedrooms and two-and-a-half baths, designed to frame sweeping 180-degree lake views from nearly every room. Positioned on its own private peninsula, it showcases timeless modern lines with unparalleled potential. Steps away, at the water’s edge, rests the second home—a warmly appointed two-bedroom, two-bath home with loft, perfectly suited for guests or simply changing the daily perspective. Four additional historic cabins complete the offering, one of which has been thoughtfully finished and used as an ADU. Together they create layered possibilities: a true multi-generational compound, thoughtful income potential, or flexible space for a weekend escape. One of a kind would be an understatement for this rare property.

NWMLS logoListing courtesy of the Northwest Multiple Listing Service (NWMLS).

Waterfront
Listed Jun 19, 2026MLS# 2543138

Facts & features

3Beds
3Baths
2,933 sqftLiving area
$1533Price / sqft
1980Year built
3.1 acLot
Interior
Bedrooms3
Bathrooms3
Living area2,933 sqft
StoriesOne and One Half
FlooringCeramic Tile, Vinyl, Carpet
AppliancesDishwasher, Double Oven, Dryer, Microwave, Refrigerator, Stove(s)/Range(s), Washer
Building
TypeHouse
StyleContemporary
Year built1980
RoofComposition
FoundationPoured Concrete
Lot & exterior
Lot size3.1 acres (135,036 sqft)
ViewLake, Territorial
WaterfrontLake
Parking
ParkingDriveway, Attached Garage, Detached Garage, RV Parking
Utilities
HeatingElectric, Natural Gas, Wood
SewerSewer Connected
WaterLake
HOA & taxes
HOA duesNone
Property tax (2026)$49,030 / yr
Interior features
Bath Off PrimaryBuilt-In VacuumDining RoomFireplaceHot Tub/SpaJetted TubPantrySecurity SystemSkylight(s)Vaulted Ceiling(s)Walk-In Closet(s)Water HeaterWired for Generator
Exterior & lot
WoodWood Products

Monthly payment

Full calculator →

Payment estimate calculated by irenakolbert.com from the assumptions below — not part of the NWMLS listing data. A lender will confirm actual figures.

Loan term
Down payment$20%
Interest rate%
Est. total / month$26,92530-year fixed · 6.5%
P&I $22,729Taxes $4,086Insurance $110
Plus ~$134,850 closing costs (est. 3%), paid once at closing. Get pre-approval guidance →
Estimate only, using the down payment, interest rate, and loan term set above. The APR, which includes loan costs, may be higher than the rate. Includes estimated property tax (~0.95%), insurance (~$110/mo), and any HOA dues. Not an offer of credit — a lender will confirm actual terms.

Price history

DateEventPrice Jun 19, 2026Listed for sale $4,495,000

Tax history

YearAssessed valueProperty tax
Source: Whatcom County Assessor. Assessed value is not a market value.

Schools

Bellingham School District
ElementaryBuyer To Verify
MiddleBuyer To Verify
HighBuyer To Verify
School assignments come from the listing data provided by NWMLS. They're based on address and can change — verify with the district before relying on them.
⬤ Street view ↗
Downtown Bellingham11 min
WWU12 min
St. Joseph Hospital11 min
Peace Arch border37 min

Drive times are straight-line estimates calculated by irenakolbert.com — not part of the NWMLS listing data.

Listing details

StatusPending Feasibility
MLS #2543138
ListedJun 19, 2026
List price$4,495,000
Cumulative Days Active65
Property typeHouse
StyleContemporary
Listing brokerageCOMPASS
SourceNWMLS as distributed by MLS GRID
Listing courtesy of COMPASS. Based on information submitted to the MLS GRID as of Oct 23, 2026, 12:46 PM (date and time MLS GRID Data was obtained). 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. Some IDX listings have been excluded from this website: listings located outside Whatcom and Skagit counties are not displayed.
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