2540 E Phinney Bay Place

Bremerton, WA
$ 899,999 Beds 5 Baths 3 Sq 4,106 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to 2540 E Phinney Bay Pl, where sweeping water views, Olympic Mountain vistas and unforgettable western sunsets create a true Pacific Northwest retreat. With over $175,000 invested in upgrades and remodeling, this move-in-ready home offers space, style and flexibility. The refreshed kitchen features quartz countertops, stainless steel appliances and an inviting layout made for entertaining. Enjoy new flooring, fresh paint, updated bathrooms and professionally leveled floors. Step outside to dual decks, a private primary balcony, fenced side yard with fruit trees and two newly added parking spaces on the north side of the property. Additional improvements include updated/certified electrical, an Arc Fault panel and generator-ready setup. Seller is offering a 3-2-1 interest-rate buydown with an acceptable $936,000 purchase offer, subject to lender approval and buyer loan qualification. See supplements for additional details. Come experience the views, sunsets, outdoor living and thoughtful improvements that make Phinney Bay special.

Active

  • Price
  • $ 899,999
  • City
  • Bremerton
  • Bedrooms
  • 5
  • Full Bathrooms
  • 3
  • County
  • KITSAP
  • Half Bathrooms
  • 0
  • Area
  • West Bremerton
  • Lot Size
  • 0.28 Acres
  • Zip
  • 98312
  • Sqr Footage
  • 4,106
  • Year Built
  • 1984
  • Taxes
  • $ 6881
  • Style
  • Contemporary
  • MLS#
  • 2463034
Listed By: Pellego, Inc. and NWMLS
Data Source: Northwest Multiple Listing Service (NWMLS)

Features

General

Living Area 4106
Sewer Available,Sewer Connected
Heating 90%+ High Efficiency,Ductless,Heat Pump,High Efficiency (Unspecified)
Cooling 90%+ High Efficiency,Ductless,Heat Pump,High Efficiency (Unspecified)
Possession Closing
Roof Composition
Appliances Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Stove(s)/Range(s),Washer
Architectural Style Contemporary
Security Features Fully Fenced
Year Built 1984
View Bay,Mountains,Ocean,Sound,Territorial
Topography Partial Slope
Levels Two
Property Subtype Single Family Residence
Tax Year 2026
County Kitsap
New Construction No
Property Type Residential
HOA No
Attached Garage Yes
Subdivision Name Phinney Bay
Facing Direction West
Garage Y/N Yes
Full Baths 2
Special Listing Conditions None
Status Active
Directions Hwy 3 _ Take Kitsap Way Exit _ East on Kitsap Way _ Left on Corbet Ave _ Left at Three-Way stop _ Stay on Corbet _ Right at Fork onto Phinney Bay Dr _ Left onto Phinney Bay Pl _ House at End of Stree
High School Bremerton High
City Bremerton
Entry Location Main
Senior Community Y/N No
High School District Bremerton #100c
MLS Area 148 - West Bremerton
Lot Size Units Square Feet
Lot Size Square Feet 12197
Carport Y/N No
Listing Terms Cash,Conventional,VA Loan
Elementary School Crownhill Elem
Land Lease Y/N No
Tax Annual Amount 6881.05
Middle/Junior High School Mtn View Mid
Property Condition Updated/Remodeled
Public Remarks Welcome to 2540 E Phinney Bay Pl,where sweeping water views,Olympic Mountain vistas and unforgettable western sunsets create a true Pacific Northwest retreat. With over $175,000 invested in upgrades
Structure Type House
Building Area Units Square Feet
Standard Status Active
Water Company City of Bremerton
Property Style 18 - 2 Stories w/Bsmnt
NWM_ShowMapLink Yes

Interior Features

Interior Amenities Second Primary Bedroom,Bath Off Primary,Ceiling Fan(s),Dbl Pane/Storm Window,Dining Room,Fireplace,Pantry,Vaulted Ceiling(s),Water Heater,Wired for Generator
Basement Daylight,Finished
Flooring Ceramic Tile,Vinyl,Vinyl Plank,Carpet
Total Fireplaces 2
Fireplace Features Gas
Air Conditioning Y/N Yes
Heating Y/N Yes
Fireplace Y/N Yes
3/4 Baths 1
Total Bedrooms 5
Total Baths 3
Water Heater Type Electric and Hybrid
Water Heater Location Finished Basement & Prim Bathroom Closet
Fireplaces Main 1
Fireplaces Lower 1
Power Production Type Electric,Natural Gas
Baths Three Quarter Upper 1
Bedrooms Lower 1
Bedrooms Upper 4
Baths Full Upper 1
Baths Full Main 1
Bathrooms 2.75

Exterior Features

Exterior Amenities Wood
Vegetation Fruit Trees,Garden Space
Parking Features Driveway,Attached Garage,Off Street
Lot Features Corner Lot,Cul-De-Sac,Dead End Street,Paved
Water Source Public
Total Parking 5
Inclusions Dishwasher(s),Dryer(s),Garbage Disposal,Microwave(s),Refrigerator(s),Stove(s)/Range(s),Washer(s)
Foundation Details Block,Poured Concrete
Spa Yes
Building Area Total 4106
Lot Size Acres 0.28
Waterfront Y/N No
Covered Spaces 3
Irrigation Water Rights Y/N No
Site Features Cable TV,Deck,Fenced-Fully,Gas Available,High Speed Internet,Hot Tub/Spa,Patio
Parking Uncovered Total 2

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Vancouver, WA office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Crownhill Elem
Middle School Mtn View Mid
High School Bremerton High

Price History

3/9/2026 Listed $950,000
4/23/2026 2% - $939,000
7/14/2026 2% - $929,000
7/28/2026 4% - $899,999

Property vs Zip Code Average in 98312

Price
AVG $620K
$900K
Taxes
AVG $4,221
$6,881
Year Built
AVG 1989
1984
Visits
AVG 188
728
Data Provided by Inside Real Estate®

Areas That We Cover

2540 E Phinney Bay Place Bremerton, WA is a Single Family Home for sale at $899999 with 4106 sqft and a lot size of 0.28 Acres Acre(s). 2540 E Phinney Bay Place Bremerton has 5 bedrooms, 3 baths and was built in 1984. The property's zip code is 98312 which is in Bremerton, WA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.