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2181 Mariner Beach Dr , Oak Harbor, WA 98277
$1,400,000
Est. Payment: $6,794.38/mo
2 Bed
2.5 Bath
2177 Sqft
Status: active | Days on site: 19
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

Introducing a standout coastal retreat in the coveted Mariner’s Cove beach community. Thoughtfully crafted in 2021, this custom residence was designed to maximize volume, light, and livability—offering a seamless blend of comfort, functionality, and modern coastal elegance. Positioned across two lots, the property invites an immersive waterfront lifestyle, from crabbing and fishing just outside the canal, to quiet beachside moments at home. Two private 36-foot docks, 1 equipped with power & water, 1 w/ water provide exceptional access and convenience for boating enthusiasts. Inside, the home unfolds with refined simplicity. Soaring 11+ foot ceilings and expansive windows flood the main living spaces with natural light, while a striking Quantum Lift & Slide door creates a seamless transition between indoor and outdoor living. The open-concept kitchen, dining, and living areas are perfectly designed for both everyday comfort and effortless entertaining. The primary suite offers a peaceful retreat, complemented by a guest bedroom and a generous third bedroom or office/flex space to suit a variety of lifestyles. A rare pass-through heated garage with dedicated shop space adds versatility and function. After a day on the water or at the nearby pickleball courts, unwind on the patio with friends as the coastal air settles in. Meticulously maintained and thoughtfully designed, this residence is a true gem—offering a lifestyle to be experienced, not just imagined.
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Highlights

Listed by Kent Bergsagel , 425-441-1752 Nexthome NW Experts , 425-441-1752. Northwest Multiple Listing Service

Property Type

Residential
Lot/Acreage
0.54

HOA Fee

2450

Year Built

2021

County

Island

Area

813 - North Whidbey Island

 Neighborhood

Mariners Cove

 School District

Oak Harbor

Listing ID

2516463

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2.5
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Double Oven, Dryer, Microwave, Refrigerator, Stove(s)/Range(s), Washer, Dishwasher(s), Dryer(s), Microwave(s), Refrigerator(s), Washer(s)
Floor:Engineered Hardwood,Laminate
Other:Fireplace,Water Heater,Master on Main
Other:Public

Exterior Features

Lot:Built On Lot,Medium Bank,Canal Front,Jetty,Saltwater,Sound
Garage Capacity:7
Roof:Torch Down
Others:Cement Planked,Stucco,Very Good
Sewer:Septic Tank
Parking Features:Attached Garage,Off Street
Principal Interest
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$6,794
Taxes
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$628

Home Price

$1,400,000

Home Price

Loan Details

30 yrs
6.11%

Interest Rate

Loan Type

Down Payment

20%
$280,000

Down Payment

Down Payment %

All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$6,794.38

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $6,794.38 $628.08 $2,450.00 $9,872.46
Yearly $81,532.53 $7,537.00 $29,400.00 $118,469.53
Total $2,445,975.96 $226,110.00 $882,000.00 $3,554,085.96
Lender profile image
Preferred1765470255 Lender1765470255
My Title 1765470255
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Market insight data is pulled from the same city as the listing being viewed (Oak Harbor, WA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Estimated Payment, Market Insight Calculations, School and Neighborhood Information provided by Blueroof360

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Data last updated: 2026-06-29T06:34:12.000Z

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