$894,950
Est. $4,957/moPrice reduced $64,050 from the original $959,000 asking price
4 bd•2.5 ba•3,047 sq ft
654 W Main Street, Monroe, WA 98272
• Listed May 8, 2026•123 days active · 123 cumulative
Listing Broker: Windermere Real Estate JS; Debbie Barger Smith; 425-356-9177; debbiebargersmith@windermere.com
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Listing Broker: Windermere Real Estate JS; Debbie Barger Smith; 425-356-9177; debbiebargersmith@windermere.com
About this home
Rare opportunity in one of Monroe’s most cherished neighborhoods! Situated on .46 acres with flexible Multi-Use Neighborhood Zoning, this exceptional property offers live/work, investment, or redevelopment potential allowing 4–7 dwelling units including the existing home. For over 20 years, the property successfully operated as offices for a private company with live-in extern housing, showcasing its versatility and functionality. Thoughtfully updated throughout with maple flooring, remodeled kitchen with granite countertops, renovated bathrooms, updated electrical panel, furnace, hot water tank, roof/gutters, paint, decking, and more. Flexible floor plan easily adapts to residential, group home, bed & breakfast, professional or health care offices, or mixed-use living with open gathering spaces, multiple office or bedroom options, and separate-entry basement ideal for additional workspace or guest quarters. Main floor features inviting wraparound covered porch, living and dining rooms, bedroom, office, kitchen, and family/conference room. Upstairs offers spacious suite with 3/4 bath, walk-in closet, 2 bonus rooms, and private deck overlooking beautiful grounds. Lower level includes additional office/living space, bathroom, bedroom, storage, and mechanical room. 768 ASF garage with plumbing and separate room offers additional flex space. No commercial use requirement for Mixed Use Neighborhood Zoning but opportunities for multigenerational living or investment returns!
Listed by Debbie Barger Smith • Windermere Real Estate JS
Listing updated: September 21, 2026 at 09:35am
RexMont checked: moments ago
Source: NWMLS as Distributed by MLS Grid #2520630
Around this home
How much should you offer?
654 W Main Street, Monroe, WA 98272
Source:RexMont analysis of Northwest MLS sales data for this ZIP code plus third-party market data (RentCast). The estimates are RexMont's, not Northwest MLS listing data.
Estimates only and not guaranteed. Consult a RexMont agent for accurate, personalized guidance before making an offer. RexMont OfferEdge™ · © 2026 RexMont Real Estate. Proprietary tool.
Property details
Interior features
- Dbl Pane/Storm Window
- Dining Room
- Security System
- Vaulted Ceiling(s)
- Walk-In Closet(s)
- Water Heater
- Finished basement
Kitchen
- Dishwasher
- Disposal
- Microwave
- Refrigerator
- Stove(s)/Range(s)
Bedrooms
- 4 bedrooms total
- 2 on the main level
- 1 upstairs
- 1 on the lower level
Bathrooms
- 1 full bathroom
- 2 three-quarter bathrooms (shower, no tub)
- 2.5 bathrooms total (NWMLS count)
- 1 on the main level
Layout
- 2 Stories w/Bsmnt
- 3,047 sq ft finished
- 768 sq ft garage
Flooring
- Hardwood
- Vinyl
- Carpet
Heating & cooling
- Heat Pump heating
- None cooling
Single-family home facts
As entered by the listing broker on Northwest MLS
Lot & site
- Topography
- Level,Partial Slope
- Vegetation
- Fruit Trees, Garden Space
- Zoning code
- Mixed Use Neighborhood
- Zoning jurisdiction
- City
- Faces
- North
Systems
- Energy source
- Electric,Natural Gas
- Power production
- Electric, Natural Gas
- Water heater
- Gas
- Water heater location
- Basement-Mechanical Room
- Power company
- PUD # 1 of Snohomish County
- Water company
- City of Monroe
- Sewer company
- City of Monroe
- Gas company
- Puget Sound Energy
- Garbage service
- Republic Services
- Irrigation water rights
- No
- Internet connected
- xfinity
- Cable connected
- xfiinity
Rooms & extras
- Bathtubs
- 1
- Showers
- 3
New construction
- Square footage source
- Tax Records + Seller
- Lot size source
- Tax Records
- Effective year built source
- Public Records
Manufactured home
- Land lease
- No
RexMont Site Report
What it is like to live at this address
Walkability, ground, noise, commute, transit, zoning — from public records, read for this exact home.
Schools
Ratings via SchoolDigger- Cascade View ElementaryPublic · Grades K-6 · 7.8 mi · State rank 551 of 1,1606/10
- Centennial Middle SchoolPublic · Grades 7-8 · 9.0 mi · State rank 273 of 5344/10
- Cedarcrest High SchoolPublic · Grades 9-12 · 8.2 mi · State rank 40 of 43810/10
Schools shown are the nearest public Elementary, Middle, and High school for this property and may not be the assigned schools. Verify attendance boundaries with the district before purchasing.
Sales & Tax Records for 654 W Main Street
NWMLS via MLS GridEvery listing, pending, price change and closing filed on this home with the NWMLS, the county’s recorded sales, and its assessed values by tax year.
- Sep 21, 2026Price reducedNWMLS via MLS Grid · #2520630$894,950$294/sq ft
- Sep 21, 2026Price reducedNWMLS via MLS Grid · #2521249$894,950$294/sq ft
- May 8, 2026ListedNWMLS via MLS Grid · #2520630$959,000$315/sq ft
- May 8, 2026ListedNWMLS via MLS Grid · #2521249$959,000$315/sq ft
Down payment assistance
6 programs may be available to provide you with up to $55,000 in down payment assistance, depending on your specific information.
Northwest MLS lists this home as eligible for down payment assistance programs
Source: program list compiled by RexMont from ARCH (A Regional Coalition for Housing) member-jurisdiction information. This is not Northwest MLS listing data.
Mortgage payment forecast
$5,687 per month
Great rateTakes about 5 minutes & won't affect your credit
Get pre-approvedSource: RexMont estimate, not Northwest MLS listing data. Interest rates from Freddie Mac's Primary Mortgage Market Survey via FRED (Federal Reserve Bank of St. Louis). Property tax and HOA dues from the NWMLS listing where provided, otherwise estimated; insurance estimated at 0.3% of price per year.
Estimate only. Actual payment depends on credit, lender, and program. PMI not included for down payments below 20%.
Ask about this home
A licensed RexMont broker will get back to you, usually in under 5 minutes during business hours.
Listing Broker: Windermere Real Estate JS; Debbie Barger Smith; 425-356-9177; debbiebargersmith@windermere.com
Market pulse
Monroe is a balanced market.
Supply and demand are roughly in balance. Neither side has a clear edge.
Offer insight: Homes typically sell with one offer near asking price.
List to sale price: The average home sells very close to list price.
Time on market: The average home goes pending in around 70 days.
Recent sales nearby
Within 1 mile · last 6 months$574,900 Sold
0 days ago
4 bd•2.25 ba•~1,440 sq ft•Single Family
17660 149th Street SE, Monroe, WA 98272
0%
Over list
29
Days on market
0.9 mi
Distance
$560,000 Sold
2 days ago
2 bd•0.75 ba•~972 sq ft•Single Family
15721 179th Avenue SE, Monroe, WA 98272
3%
Under list
105
Days on market
0.5 mi
Distance
$475,000 Sold
1 week ago
2 bd•1 ba•~660 sq ft•Single Family
641 North Street, Monroe, WA 98272
0%
Over list
49
Days on market
0.5 mi
Distance
$599,000 Sold
3 weeks ago
3 bd•1.75 ba•~1,368 sq ft•Single Family
15813 179th Avenue SE, Monroe, WA 98272
0%
Over list
—
Days on market
0.5 mi
Distance
$695,000 Sold
4 weeks ago
3 bd•2 ba•~1,785 sq ft•Single Family
17272 158th Street SE, Monroe, WA 98272
3%
Under list
56
Days on market
0.9 mi
Distance
Closed sales from MLS GRID / NWMLS within the past 6 months, matched on property type and within 1 mile. Comps approximate.
Want a deeper read on this market?
Ask a RexMont agentMarket data from MLS GRID / NWMLS · Updated Oct 2026
MLS GRID Disclaimer
Based on information submitted to the MLS GRID as of September 21, 2026 at 09:35am (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.
Listing information courtesy of Northwest Multiple Listing Service (NWMLS). The listing data relating to real estate for sale on this web site comes in part from the Northwest Multiple Listing Service. Real estate listings held by brokerage firms other than RexMont Real Estate are marked with the “Listing courtesy of NWMLS” designation. Information provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
© 2026 Northwest Multiple Listing Service. All rights reserved.
HO
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