:No-Bank Utsalady Waterfront | Owned Tidelands | West Sunsets | No Ferry, No HOA-No-bank waterfront on Utsalady Bay with 70+ feet of shoreline and owned tidelands. This is true walk-out beach living—not a mid-bank house with stairs. West-facing for nightly sunsets over Saratoga Passage. Step from the yard, and from the primary suite’s French doors, onto the sand to crab, clam, kayak, or simply sit by the water. Camano Island, no ferry required. Private gated dead-end street with no HOA. Minutes to Stanwood. The shoreline is protected by a new engineered concrete bulkhead (over $125,000 invested; 30+ year design). Recent upgrades also include new Sierra Pacific windows and doors throughout, new composite decking, and a gas generator with warranty through 2028. The home offers 2 bedrooms plus den, 2 baths, a fireplace, and a finished daylight basement on a 15,682 SF lot with a custom paved drive and ample parking. Primary suite opens directly toward the beach. Lower level includes den/office, rec, and bonus space for guests, hobbies, or flexible living.Rare combination on Camano: no-bank access, owned tidelands, west sunsets, larger lot, gated privacy, and no HOA. Owner-will-carry terms available. Finance options: Owner carry at 5.99–6.49% fixed (30-yr amort / 5- or 7-yr balloon) with 25–35% down or large-down short carry (40–50% down, 12–36 months) for 1031 / bridge timing, or up to $20,000 toward a 2-1 jumbo financed option buy down or loan costs. Cash welcome
Active
Listed by: Skyline Properties, Inc. • Donna Marshall
Price cut: $45K (8/26)
$1,653,520
1287 Gerdes Road, Camano Island, WA 98282
2beds
2,100sqft
Single Family Residence
Built in 1964
0.36 Acres Lot
$1,603,300 Zestimate®
$787/sqft
$-- HOA
What's special
True walk-out beach livingFinished daylight basementOwned tidelandsNew composite deckingGated privacy
- --
- on Zillow
- 371
- views
- 24
- saves
Zillow last checked:
Listing updated:
Listed by:
Donna Marshall,
Skyline Properties, Inc.
Source: NWMLS as distributed by MLS GRID,MLS#: 2546969
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Primary bedroom
- Level: Main
Bedroom
- Level: Main
Bathroom full
- Level: Main
Bathroom full
- Level: Main
Bonus room
- Description: can and has been used as a 3rd bedroom/closet and window
- Level: Lower
Den office
- Level: Lower
Entry hall
- Level: Main
Kitchen with eating space
- Level: Main
Living room
- Level: Main
Rec room
- Level: Lower
Utility room
- Level: Main
Heating
- Fireplace, Baseboard, Forced Air, Wall Furnace, Electric, Natural Gas
Cooling
- None
Appliances
- Included: Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Stove(s)/Range(s), Washer, Dishwasher(s), Dryer(s), Garbage Disposal, Microwave(s), Refrigerator(s), Washer(s), Water Heater: electric, Water Heater Location: basement
Features
- Ceiling Fan(s), Sauna
- Flooring: Concrete, Engineered Hardwood, Laminate
- Doors: French Doors
- Windows: Dbl Pane/Storm Window
- Basement: Daylight,Finished
- Number of fireplaces: 1
- Fireplace features: Electric, Wood Burning, Main Level: 1, Fireplace
Interior area
- Total structure area: 2,100
- Total interior livable area: 2,100 sqft
Video & virtual tour
Property
Parking
- Total spaces: 10
- Parking features: Attached Garage
- Has attached garage: Yes
- Covered spaces: 2
- Uncovered spaces: 8
Features
- Levels: One
- Stories: 1
- Entry location: Main
- Patio & porch: Ceiling Fan(s), Dbl Pane/Storm Window, Fireplace, French Doors, Jetted Tub, Sauna, SMART Wired, Water Heater, Wired for Generator
- Spa features: Bath
- Has view: Yes
- View description: Islands, Mountain(s), Sound
- Has water view: Yes
- Water view: Sound
- Waterfront features: Low Bank, Bulkhead, No Bank, Saltwater, Sound
- Frontage length: Waterfront Ft: 70
Lot
- Size: 0.36 Acres
- Features: Dead End Street, Paved, Cable TV, Deck, Fenced-Partially, Gas Available, Gated Entry
- Topography: Level
- Residential vegetation: Fruit Trees
Details
- Parcel number: R332181152660
- Zoning description: Jurisdiction: County
- Special conditions: Standard
- Other equipment: Wired for Generator
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional,1 Story w/Bsmnt.
- Property subtype: Single Family Residence
Materials
- Stone, Wood Siding
- Foundation: Poured Concrete
- Roof: Composition
Condition
- Updated/Remodeled
- Year built: 1964
- Major remodel year: 2019
Utilities & green energy
- Electric: Company: PUD
- Sewer: Septic Tank
- Water: Community, Company: Utsalady
- Utilities for property: Zipley Fiber, Zipley
Community & HOA
Community
- Features: Boat Launch
- Subdivision: Utsalady
Location
- Region: Camano Island
Financial & listing details
- Price per square foot: $787/sqft
- Tax assessed value: $1,657,648
- Annual tax amount: $10,263
- Date on market: 7/15/2026
- Listing terms: Conventional
- Inclusions: Dishwasher(s), Dryer(s), Garbage Disposal, Microwave(s), Refrigerator(s), Stove(s)/Range(s), Washer(s)
Estimated market value
$1,603,300
$1.52M - $1.68M
$3,603/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/26/2026 | Price change | $1,653,520-2.6%$787/sqft |
Source:  NWMLS as distributed by MLS GRID #2546969 Report a problem | ||
| 7/27/2026 | Price change | $1,698,520-1.5%$809/sqft |
Source: NWMLS as distributed by MLS GRID #2546969 Report a problem | ||
| 7/15/2026 | Listed for sale | $1,725,000+98.3%$821/sqft |
Source: NWMLS as distributed by MLS GRID #2546969 Report a problem | ||
| 1/12/2006 | Sold | $870,000$414/sqft |
Source: NWMLS as distributed by MLS GRID #25178138 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,393 +7% | $1,657,648 +4% |
| 2024 | $2,235 -78.2% | $1,594,386 +18.2% |
| 2023 | $10,263 +26.5% | $1,348,662 +23.2% |
| 2022 | $8,113 +0.1% | $1,094,451 +24.4% |
| 2021 | $8,101 +0.2% | $880,009 +3.4% |
| 2020 | $8,086 +5.2% | $850,675 -0.5% |
| 2019 | $7,689 -6.5% | $855,160 +6.1% |
| 2018 | $8,228 -1.5% | $805,703 -0.1% |
| 2017 | $8,354 +21.2% | $806,786 +9% |
| 2016 | $6,894 -4.1% | $740,260 -0.3% |
| 2015 | $7,187 | $742,477 -0.6% |
| 2013 | -- | $746,911 |
| 2012 | -- | -- |
| 2010 | -- | -- |
| 2009 | -- | $876,583 -14.8% |
| 2008 | -- | $1,028,250 +16.2% |
| 2007 | -- | $884,857 +18.1% |
| 2006 | -- | $749,299 +10% |
| 2005 | -- | $681,413 +41.2% |
| 2002 | -- | $482,724 +8.7% |
| 2000 | $4,861 | $444,081 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 98282
Nearby schools
Schools provided by the listing agent
- High: Stanwood High
Source: NWMLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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