Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$1,026,578$439 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,025,000 on Aug 13, 2024

397 CARDINAL WAY

FREELAND, WA 98249
2
Beds
3
Baths
2,338 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.84 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1M
$905K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,025,000 · Aug 13, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$260,078
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$208,062
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.73%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$766,500
DAS ACQUISITION · recorded Aug 13, 2024

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,009,382 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$400,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$609,382
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$853,653
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,009,382

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.42
86
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
38
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
51
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.70 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyIsland
Lot (acres)The size of the land the home sits on, from county records.0.84
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Aluminum
HeatingThe type of heating system in the home.Gas
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Built-in
PoolWhether the property has a pool, and what kind, such as in-ground.Spa/Hot Tub (Only)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 180 ft²Porch · 843 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
South Whidbey Elementary SchoolB+
Elementary · Grades KG–5 · 8.6 mi
H
South Whidbey High SchoolA+
High · Grades 9–12 · 8.8 mi
M
South Whidbey Middle SchoolB
Middle · Grades 6–8 · 8.8 mi

District: South Whidbey School District

Neighborhood · ZIP 98249These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.146
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.300

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.4,390
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.179 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$90,838
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,171
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.25 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.33%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

397 Cardinal Way measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 86% of homes in Island County
  • Costs more per square foot than 71% of homes in Island County
  • Bigger than 77% of homes in Island County
  • Has a bigger lot than 75% of homes in Bush Point
  • Newer than 80% of homes in Bush Point

What homes are worth in Freeland 98249

Each bar is how many homes fall in that price range. The marker is this home.

This home
$284K$2.8M

This home is worth more than 75% of homes in Freeland 98249.

How it measures up in Freeland 98249

The dot is this home. The mark in the middle is the typical home in Freeland 98249.

Estimated value$1,026,578
CheaperTypical $754,234Pricier

Pricier than 75% of homes nearby

Price per ft²$439
CheaperTypical $439Pricier

Pricier than 50% of homes nearby

Living area2,338 ft²
SmallerTypical 1,736 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.84 ac
SmallerTypical 0.44 acBigger

Bigger than 60% of homes nearby

Year built1997
OlderTypical 1991Newer

Newer than 61% of homes nearby

How 397 Cardinal Way ranks against every home in each area.
MeasureThis homeBush PointFreeland 98249Island County
Estimated valuepricier than$1,026,57866% of homes75% of homes86% of homes
Price per ft²pricier than$43942% of homes50% of homes71% of homes
Living areabigger than2,338 ft²75% of homes75% of homes77% of homes
Lot sizebigger than0.84 ac75% of homes60% of homes53% of homes
Year builtnewer than199780% of homes61% of homes67% of homes

About 397 Cardinal Way

How much is 397 Cardinal Way, Freeland, WA worth?

The TopHap Estimate for 397 Cardinal Way, Freeland, WA is $1,026,578 as of Jul 14, 2026. The likely range is $905,102 to $1,148,054. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 397 Cardinal Way, Freeland, WA last sell?

397 Cardinal Way, Freeland, WA last sold on Aug 13, 2024 for $1,025,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 397 Cardinal Way, Freeland, WA?

397 Cardinal Way, Freeland, WA has 2 bedrooms, 3 bathrooms, 2,338 square feet of living space and a 0.84-acre lot.

When was 397 Cardinal Way, Freeland, WA built?

397 Cardinal Way, Freeland, WA was built in 1997, making it 29 years old. The building has 1 story.

What schools serve 397 Cardinal Way, Freeland, WA?

397 Cardinal Way, Freeland, WA is assigned to South Whidbey Elementary School (elementary), rated B+; South Whidbey High School (high), rated A+; South Whidbey Middle School (middle), rated B. All sit in South Whidbey School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 397 Cardinal Way, Freeland, WA compare to other homes in Freeland 98249?

Among the 3,432 homes in Freeland 98249, it is worth more than 75% of them ($1,026,578 against a typical $754,234), its price per square foot is higher than 50% of them ($439 against a typical $439), it is bigger than 75% of them (2,338 ft² against a typical 1,736 ft²), its lot is bigger than 60% of them (0.84 ac against a typical 0.44 ac) and it is newer than 61% of them (1997 against a typical 1991). Measured against all of Island County, it is worth more than 86% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Freeland 98249

Assigned schools

Explore the area

See this home in context

Open 397 Cardinal Way on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map