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Listed by Kristina Moneypenny • John L. Scott, Inc..
FOR SALE

$599,950

Est. $3,323/mo

3 bd•2 ba•1,624 sq ft

12856 Lake Avenue NW, Poulsbo, WA 98370

• Listed Sep 30, 2026•11 days active · 11 cumulative

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★★★★★5.0·1,242 Google reviews

Listing Broker: John L. Scott, Inc.; Kristina Moneypenny; 360-731-6734; kristinam@johnlscott.com

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Listing Broker: John L. Scott, Inc.; Kristina Moneypenny; 360-731-6734; kristinam@johnlscott.com

About this home

Welcome to life on serene Island Lake! Set on a double lot with low-bank waterfront, this inviting home pairs beautiful lake views with a peaceful, wooded setting. Enjoy morning coffee on the expansive lakeside deck, gather with friends for dinner overlooking the water, or spend a quiet afternoon taking in the scenery. Glass deck railings keep the view front and center, while stairs lead to the yard and shoreline below. Inside, large windows frame the lake and bring natural light into the comfortable living spaces. The living room flows into a dining area with built-in cabinetry, offering space for everyday living and entertaining. A bright kitchen features abundant cabinetry, a center island with seating and a skylight overhead. The spacious primary suite includes a walk-in closet and a private bath with dual sinks, a soaking tub and a separate shower. Additional rooms offer flexibility for guests, hobbies or a home office. A covered entry, generous driveway parking and storage shed add everyday convenience. Mature evergreens, established landscaping and garden paths create a welcoming outdoor setting, with room to relax and enjoy the double lot. From quiet mornings to evenings by the water, this Island Lake property offers a special place to call home!

Property type
Single Family
Year built
1989
Interior
1,624 sq ft
Lot size
0.36 acres
Parking
Driveway, Off Street
Price / sq ft
$369
HeatingForced Air
CoolingNone
Property taxes$4,520/yr (est.)
School districtNorth Kitsap #400

Listed by Kristina Moneypenny • John L. Scott, Inc.

Listing updated: October 8, 2026 at 06:36am

RexMont checked: moments ago

Source: NWMLS as Distributed by MLS Grid #2589372

Around this home

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12856 Lake Avenue NW, Poulsbo, WA 98370

List price
$599,950
Down payment
$119,990

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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

  • Bath Off Primary
  • Dbl Pane/Storm Window
  • Dining Room

Kitchen

  • Dishwasher
  • Microwave
  • Refrigerator
  • Stove(s)/Range(s)
  • Washer

Bedrooms

  • 3 bedrooms total
  • 3 on the main level

Bathrooms

  • 2 full bathrooms
  • 2 on the main level

Layout

  • Manuf-Double Wide
  • 1,624 sq ft finished

Flooring

  • Vinyl
  • Carpet

Heating & cooling

  • Forced Air heating
  • None cooling

Schools

Ratings via SchoolDigger

North Kitsap #400 School District

Assigned schools for this property per the listing's MLS data. School district boundaries change — verify the exact assigned schools with the district before purchasing.

Manufactured home facts

As entered by the listing broker on Northwest MLS

Lot & site

Topography
Level,Partial Slope
Vegetation
Garden Space
Lot number
6/7
Zoning code
UL

Systems

Energy source
Natural Gas
Power production
Natural Gas
Power company
PSE
Sewer company
Septic
Gas company
Cascade Natural Gas
Garbage service
Waste Mng.
Irrigation water rights
No

Rooms & extras

Bathtubs
2
Showers
2

New construction

Square footage source
Realist
Lot size source
Realist
Effective year built source
Public Records

Manufactured home

Make
MODULINE
Serial number
110409
Body type
Double Wide
Land lease
No

Neighborhood mobility

Doorstep, Pedal & Station Scores

Three RexMont scores for this exact address: what is on foot, what is by bike, and what rides past the door.

Ground Truth™

The ground, the slope, the flood zone and the noise at this address

Read from public hazard, flood, terrain and noise maps for this exact home.

Address Insider™

The members' report

Commute, transit, zoning and ADU potential, internet providers and the lifestyle around the home: the nearest grocery, coffee, park, services and transit stop. One free registration opens every home on rexmont.com.

Members

Opens with the report above.

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

$3,850 per month

Great rate
Principal and interest
Property taxes
HOA dues
Home insurance

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Source: 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%.

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Listing Broker: John L. Scott, Inc.; Kristina Moneypenny; 360-731-6734; kristinam@johnlscott.com

Market pulse

Poulsbo is a balanced market.

Supply and demand are roughly in balance. Neither side has a clear edge.

Buyer's marketSeller's market
  • Offer insight: Well-priced homes draw multiple offers; others sell close to asking.

  • List to sale price: The average home sells very close to list price.

  • Time on market: The average home goes pending in around 63 days.

Want a deeper read on this market?

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Market data from MLS GRID / NWMLS · Updated Oct 2026

MLS GRID Disclaimer

Based on information submitted to the MLS GRID as of October 8, 2026 at 06:36am (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.

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