Lummi Island Homes under $1.25 million

Welcome to Lummi Island, a hidden gem nestled in the picturesque waters of the Puget Sound in Whatcom County, Washington. Just a short ferry ride from the mainland, this enchanting island offers a serene escape from the hustle and bustle of city life, making it a perfect destination for those seeking a tranquil retreat or a charming community to call home.

Lummi Island is renowned for its stunning natural beauty, featuring lush forests, breathtaking waterfront views, and an abundance of outdoor activities. Whether you enjoy kayaking in the calm waters, hiking through scenic trails, or simply soaking in the views of the San Juan Islands, Lummi Island has something for everyone. The island's vibrant community is known for its artistic spirit, with local galleries, farms, and markets that showcase the best of Pacific Northwest culture.

For those looking to invest in a piece of this idyllic paradise, you'll be delighted to discover that there are beautiful homes available for under $1.25 million. These properties offer a range of styles, from cozy cottages with ocean views to modern homes nestled among the trees, all designed to embrace the island's natural charm. With the average price of homes in this stunning location, you can find a perfect retreat that fits your lifestyle and budget.

Experience the magic of Lummi Island, where community, nature, and tranquility harmoniously blend. Whether you’re searching for a permanent residence or a vacation getaway, this enchanting island awaits you with open arms. Come and discover your dream home in this coastal paradise!

Newest Lummi Island Homes under $1.25 million

$180,000

1 Beds ⋅ 1 Baths ⋅ 2577896 MLS ⋅ ACTIVE Status

Great opportunity on Lummi Island! Tucked up off the road on a beautifully forested .28-acre lot, this cabin offers privacy and filtered natural light that's hard to find this close to the water. Wooded, sloped, and terraced, the setting feels like a true retreat while still being just minutes from the ferry and the community's shared amenities. The big-ticket items that typically hold buyers back from a project like this have already been handled. The 2-bedroom septic system and water connection are in place, and new subfloor, new drywall, and all-new plumbing have been installed throughout. That means the heavy lifting, the expensive, permit-driven infrastructure work, is done. What's left is largely cosmetic: flooring, paint, finish work, and personal touches, giving a buyer the chance to make this cabin their own without absorbing the cost and hassle of a full gut renovation. Whether you're looking for a weekend getaway, a hands-on project, or an affordable entry point into Lummi Island living, this is a rare chance to get into the community at a lower price point while still ending up with a home built to your own taste. Homeownership includes access to a beach, boat launch, boat docks, clubhouse, swimming lake, and playground, all maintained through the HOA. Bring your vision, your tool belt, and your sense of adventure!

1265 Island Drive, Lummi Island

Listing Broker: van der Velde and Company; Kyle van der Velde; 360-303-8174; Kyle@vdvandco.com

$1,150,000

2 Beds ⋅ 2 Baths ⋅ 2551048 MLS ⋅ ACTIVE Status

Discover the best of Lummi Island living in this beautifully crafted 2008 Lindal waterfront home featuring 2 bedrooms, 2 baths, a spacious loft, and a daylight basement. Thoughtfully designed with vaulted ceilings and expansive windows, the open-concept living area is filled with natural light and showcases stunning Mt. Baker & Hales Passage views. Fully equipped kitchen with seating & dining space.Step outside to the generous wraparound deck, the perfect place to enjoy morning coffee, entertain guests, or unwind while taking in spectacular sunsets and abundant marine wildlife with Orcas on occasion. Private beach access invites you to kayak, paddleboard, beachcomb, or simply enjoy the peaceful shoreline just steps from your door.The versatile loft offers additional living or office space, with 3/4 bath. The fully finished daylight basement provides room for hobbies, recreation, or additional guests.. French doors exit to an expansive patio, steps away from the private beach access. A detached shop adds exceptional flexibility for projects, equipment, or extra storage. Topped with a distinctive red metal roof, this home blends timeless Northwest style with durability and coastal living. The Ferry is 1/4-mile away for your commuting convenience.Whether you’re looking for a full-time residence, or island getaway, this exceptional waterfront retreat offers privacy, breathtaking views, and the relaxed coastal lifestyle that makes Lummi Island so special.

2339 N Nugent Road, Lummi Island

Listing Broker: KW Greater Seattle; Stephanie Anderson; 206-561-4162; steph.anderson@kw.com

$617,499

3 Beds ⋅ 2 Baths ⋅ 2549290 MLS ⋅ ACTIVE Status

Lummi Island living at its finest! Perched in the desirable Isle Aire community, this 3-bedroom, 1.75-bath home offers 2,352 square feet of flexible living space and breathtaking west-facing views of the San Juan Islands and Strait of Juan de Fuca. Watch spectacular sunsets from your expansive deck and keep an eye out for passing orcas, eagles, and ever-changing marine activity. The main level features comfortable living with two bedrooms, a full bath, eat in kitchen, and inviting living room centered around a cozy wood-burning fireplace. Downstairs, a separate living area with an additional bedroom, ¾ bath, second wood-burning fireplace, and private entrance provides ideal space for guests, extended living, or a private retreat. The detached two-car garage offers excellent workshop space, built-in storage, and room for hobbies, recreational gear, or island projects. Outside, enjoy beautifully landscaped gardens, ample space for growing your own vegetables and flowers, and a welcoming fire pit gathering area perfect for relaxing under the stars. Located just blocks from Isle Aire’s private west-facing beach, ownership includes deeded beach rights and the opportunity for your own mooring buoy. Miles of nearby walking trails begin just beyond the backyard, offering easy access to the island’s natural beauty. Whether you’re seeking a full-time residence or the perfect island getaway, this property delivers the best of Lummi Island’s relaxed coastal lifestyle.

2536 Island View Lane, Lummi Island

Listing Broker: RE/MAX Whatcom County, Inc.; Sandiann (Sandi) Qualls; 360-739-2211; sandiharmoney@gmail.com

$699,000

3 Beds ⋅ 3 Baths ⋅ 2535726 MLS ⋅ ACTIVE Status

Discover refined island living in this beautifully updated 3-bedroom, 2.5-bath home on Lummi Island, featuring sweeping saltwater views, protected natural surroundings, and the welcoming lifestyle of Scenic Estates. Soaring vaulted ceilings and expansive picture windows fill this home with natural light and showcase stunning water and territorial views. The 2024 composite deck offers the perfect setting for outdoor dining, entertaining, or relaxing in the hot tub while enjoying island tranquility. A standout feature is the walk-out lower level with a private bedroom, full bath, and living area. This flexible space offers separation for guests, multigenerational living, a home office, or a private retreat. A secure covered storage area provides ideal space for kayaks, paddleboards, bicycles, island adventure gear, hobbies or other essentials. Recent updates include a brand-new roof (2026), fresh interior and exterior paint, updated window treatments, new range, generator wiring, and a remodeled primary bath with a spacious walk-in shower (2024). Located in desirable Scenic Estates bordering protected open space, enjoy private beaches, marina, clubhouse, freshwater swim lake, trails, and recreation areas. Whether as a full-time residence or weekend escape, this home offers the perfect blend of comfort, privacy, and Pacific Northwest Island living—all just a short ferry ride from the mainland.

1058 Dana Circle, Lummi Island

Listing Broker: Sterling Real Estate Group; Suzzanne Medina; 360-223-0580; suzzannemedina@msn.com

$670,000

3 Beds ⋅ 3 Baths ⋅ 2533492 MLS ⋅ ACTIVE Status

This beautifully crafted 2-bedroom home with a den/office (or optional 3rd bedroom) and 2.5 baths welcomes you with a slate entry, built-in storage bench, vaulted ceilings, warm wood floors, and stunning custom woodwork throughout.A wall of clerestory windows fills the main living space with natural light while framing peaceful wooded, water, and Mt. Baker views. Surrounded by nature, the property feels wonderfully private while still offering access to neighborhood amenities. The custom cherry kitchen provides exceptional storage and flows easily into the living and dining areas. Expansive composite decks on both levels create inviting spaces for entertaining or simply enjoying the tranquil setting.The lower level features a spacious primary suite with radiant heated floors, a walk-in closet, and a deep soaking Jacuzzi tub, along with a second bedroom, den, and additional bath.Included in the sale is the adjacent lot, which had approval (current design has expired) for a 2-bedroom septic system, offering flexibility and value. Build a guest cottage, garage with living quarters, studio, or other future improvements, or hold the lot as an investment to potentially sell separately in the future (buyer to verify intended uses).Community ownership includes access to a private boat launch, swimming lake, and clubhouse. A rare opportunity to enjoy privacy, views, and future potential in one exceptional property. If buyer is interested, this home can be sold (mostly) furnished.

2986 Hales Passage Drive, Lummi Island

Listing Broker: Lummi Island Realty LLC; Angie Dixon; 360-815-6569; angie@lummiislandrealty.com

$950,000

1 Beds ⋅ 1 Baths ⋅ 2533034 MLS ⋅ ACTIVE Status

Rare low-bank waterfront retreat on Lummi Island offering nearly an acre of shoreline, timeless NW character & exceptional future potential. Set on two legal lots, this unique property includes a charming beachfront cottage on one parcel & a 2nd buildable lot included in the sale, creating a rare opportunity for expansion, a guest home, future residence, or investment. Warm natural wood interiors, a cozy wood stove, and walls of windows frame peaceful Salish Sea & Mt. Baker views from the main living spaces. Twin French doors open to a waterfront deck perched just steps above a protected beach ideal for beachcombing, clamming, crabbing, oystering, kayaking, and exploring the shoreline. The detached optional guest quarters or game room provides flexible space for visitors & recreation. For years, guests have returned to this special property to experience the peaceful waterfront setting & authentic island lifestyle, creating a successful history and current performance as a sought-after AirBNB. Walk the beach to the island market, enjoy dinner at the Beach Store Café, or simply spend the day watching wildlife and the changing tides from your deck. Located just a short ferry ride from the mainland, this is a rare opportunity to enjoy waterfront living today while preserving the flexibility, income potential, and long-term value of a second legal buildable lot. Schedule your visit and experience the magic!

1865 Seacrest Drive, Lummi Island

Listing Broker: COMPASS; Brandon Nelson; 360-319-0696; brandon@brandonnelson.com

$465,000

2 Beds ⋅ 3 Baths ⋅ 2523089 MLS ⋅ ACTIVE Status

Two Lots. Three Levels. Infinite Views. Perched across two expansive lots among the towering evergreens of Lummi Island Scenic Estates, this magnificent three-story coastal retreat commands sweeping, east-facing views of Bellingham Bay and the snow-capped peak of Mt. Baker. Designed to effortlessly merge indoor luxury with outdoor beauty, each of the three distinct levels features its own private deck and dedicated bathroom, offering unmatched privacy and comfort for guests. Light pours into the main living floor, highlighting an inviting, open layout where the kitchen and living spaces take full advantage of the scenery. Upstairs, the spacious primary suite serves as a boutique sanctuary, complete with its own panoramic view deck and a spa-inspired travertine bath. The lower walk-out level is an entertainer’s dream, featuring a massive cinema room with a pull-down projector screen and seamless slider access to nature. Beyond your double-lot estate, exclusive Scenic Estates community amenities await—including a private beach, boat launch, swimming pool, clubhouse, and sports courts. Your ultimate Pacific Northwest island lifestyle has arrived.

2944 Dogwood Terr, Lummi Island

Listing Broker: Skyline Properties, Inc.; Faezeh Amjadi; 458-202-1002; faezehamjadi@gmail.com

$439,000

2 Beds ⋅ 2 Baths ⋅ 2520054 MLS ⋅ ACTIVE Status

Lovingly known as “The Birdhouse,” this charming two bedroom, one bath home plus office/art bonus room is nestled among beautiful evergreens, offering privacy and peaceful island living. The home features gleaming wood floors, two Trex decks, a new Jotul fireplace, new range, Rinnai on-demand hot water heater, and a wired fast-charge electric vehicle charger. Relax in the nearly new state-of-the-art saltwater hot tub surrounded by nature. The lower partially finished daylight level is heated and plumbed, providing excellent space for a workshop, studio, hobby room, or storage. Homeownership includes access to a swimming lake, playground, saltwater boat launch, beach access, and community clubhouse—bringing together the best of recreation, community, and island living. Additional storage shed for all of your outdoor tools.

1136 Island Drive, Lummi Island

Listing Broker: Lummi Island Realty LLC; Angie Dixon; 360-815-6569; angie@lummiislandrealty.com

$799,000

3 Beds ⋅ 2 Baths ⋅ 2446657 MLS ⋅ ACTIVE Status

For those who treasure nature and admire true craftsmanship, this rare find is perfectly positioned with breathtaking views of Mt. Baker, the Sisters, Portage Island, Hales Passage, and the Canadian Coastal Range—offering a true scenic masterpiece. Meticulously cared for, this 3BD/2BA home radiates pride of ownership. Soaring ceilings and clerestory windows frame panoramic vistas, filling the home with ever-changing light and natural beauty. Enjoy newer appliances, a cozy wood stove, and a durable metal roof built to last. Nearly an acre of native landscape with sculpted stone outcroppings provides tranquil privacy, while a detached two-car garage with workspace adds flexibility. A separate space with its own exterior entrance offers versatility as a gym, guest quarters, or art/yoga studio. Homeownership includes access to a swimming lake, saltwater boat launch, and waterfront clubhouse for gatherings. Additional land available. A haven for those seeking lasting quality and serenity of extraordinary views.

3093 Mt Vista Drive, Lummi Island

Listing Broker: Lummi Island Realty LLC; Angie Dixon; 360-815-6569; angie@lummiislandrealty.com

$407,000

2 Beds ⋅ 2 Baths ⋅ 2316875 MLS ⋅ ACTIVE Status

Island living has never been more inviting! Just a scenic 5-minute ferry ride across Hales Passage from Bellingham, this charming Lummi Island retreat offers the perfect blend of peaceful getaway, full-time living, or investment opportunity. This well-built 2-bedroom, 1.25-bath home features 1,025 sq. ft. of comfortable living space with a bright and welcoming main floor designed for easy entertaining and relaxed island living. An unfinished basement with private exterior access provides abundant storage and exciting potential for expansion, workshop space, or future customization. The flexible converted garage is currently used as a recording studio but could easily transform into a spacious primary suite, media room, art studio, guest space, or be converted back to traditional garage use. Situated on a generous 18,000 sq. ft. double lot, the low-maintenance property gives you more time to enjoy the beauty and recreation of island life. Located in the highly desirable Scenic Estates community, owners enjoy access to exceptional amenities including a private boat launch, seasonal marina, clubhouse, swim lake, cabana, and BBQ area — perfect for summer gatherings and waterfront fun. This is a definite "Must See". Please note that the ferry is in dry dock for it's annual maintenance. 9/12/2026 - 10/4/2026. Access to island is via a walk on ferry during that time.

2940 Cedar Avenue, Lummi Island

Listing Broker: Windermere RE Whatcom, Inc.; Ken Swanson; 360-961-6066; kenswanson@windermere.com

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