Mercer Island Home Search
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Perched on Mercer Island with sweeping views of Lake Washington and the Seattle skyline, this one-of-a-kind custom residence blends old-world craftsmanship with timeless ...
- 4 Beds
- 4 Baths
- 2562497 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
FULLY REMODELED IN 2015! Nestled at the end of a private drive on a shy 2/3-acre lot, this beautifully updated Northwest Contemporary offers the perfect blend of privacy,...
- 4 Beds
- 3 Baths
- 2562065 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Ideally situated on Mercer Island's sought-after south end, this beautifully refreshed 4-bedroom, 2.5-bath home offers the perfect blend of privacy, comfort, and everyday...
- 4 Beds
- 3 Baths
- 2559621 MLS
- ACTIVE Status
Listing courtesy of Windermere Mercer Island.
Perched above Lake Washington on a rare 1.2-acre estate along one of Mercer Island's most peaceful private lanes, this home, originally designed by acclaimed Northwest ar...
- 7 Beds
- 8 Baths
- 2560135 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Rlty Bellevue.
Imagine coming home to your own secluded Pacific Northwest retreat—without sacrificing convenience. Set on an exquisitely landscaped property in one of Mercer Island's mo...
- 4 Beds
- 4 Baths
- 2558965 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Set on an oversized, beautifully landscaped lot on a quiet cul-de-sac in one of Mercer Island's most sought-after neighborhoods, this authentic Mid-Century Modern offers ...
- 5 Beds
- 3 Baths
- 2559585 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Tucked away at the end of a quiet drive, this Northwest Contemporary home embraces the relaxed beauty of Mercer Island living, where mature evergreens, glimpses of Lake W...
- 4 Beds
- 3 Baths
- 2559222 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Tucked above Groveland Beach in one of Mercer Island's quiet, welcoming neighborhoods, this beautifully renovated home blends timeless style with exceptional livability. ...
- 5 Beds
- 4 Baths
- 2558967 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Rare opportunity to acquire one of Mercer Island's few fully permitted, construction-ready custom homesites. Included with the sale are approved architectural plans by Se...
- 2559421 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Rare opportunity to secure a fully permitted custom residence on Mercer Island before construction begins. Designed by Seattle-based Citizen Design, this modern home blen...
- 7 Beds
- 5 Baths
- 2559422 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Turnkey south-end home on a peaceful 0.27-acre lot — walking distance to Lakeridge Elementary, Islander Middle School & Mercer Island Country Club. Meticulously maintaine...
- 3 Beds
- 3 Baths
- 2558959 MLS
- ACTIVE Status
Listing courtesy of VerraTerra.
Welcome to this inspirational Leo Fisher-designed Northwest Contemporary home, set in the desirable Mercer Terrace neighborhood. Step into dramatic interiors with cedar-l...
- 5 Beds
- 4 Baths
- 2557933 MLS
- ACTIVE Status
Listing courtesy of Windermere Mercer Island.
This lake view lodge-style retreat is a hidden gem nestled on the hilltop off E Mercer Way. Offering exceptional privacy, a resort-inspired setting. Beautifully updated h...
- 5 Beds
- 6 Baths
- 2557722 MLS
- ACTIVE Status
Listing courtesy of WeLakeside.
Extensively updated 4-bedroom home drenched in natural light, ideally situated in one of Mercer Island's most sought-after westside locations. Thoughtfully designed with ...
- 4 Beds
- 4 Baths
- 2490307 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
100 ft of private exclusive waterfront. Finger dock for your 65+ yacht. Down to the studs, this rare west-facing Mercer Island waterfront opportunity with an irreplacea...
- 4 Beds
- 2 Baths
- 2547263 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Nestled on a quiet private lane just moments from Pioneer Park, this spacious Mercer Island home offers 4530 sq ft of thoughtfully designed living space with exceptional ...
- 4 Beds
- 4 Baths
- 2554928 MLS
- ACTIVE Status
Listing courtesy of Berkshire Hathaway HS NW.
Welcome to Mercer Island living in this beautifully updated, level-entry and end-unit condo in the highly desirable Montesano community. Offering the comfort and space of...
- 2 Beds
- 2 Baths
- 2554831 MLS
- ACTIVE Status
Listing courtesy of CENTURY 21 Real Estate Center.
Perched on Mercer Island's coveted North End First Hill neighborhood, this exceptional home captures breathtaking lake views and offers one of the island's most desirable...
- 4 Beds
- 3 Baths
- 2555370 MLS
- ACTIVE Status
Listing courtesy of DCL Management, LLC.
This extraordinary Mercer Island waterfront residence stands as a testament to what's possible when visionary architecture meets meticulous craft. Originally built in 191...
- 4 Beds
- 4 Baths
- 2553346 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Midtown.
Welcome home to life on the water—This shared-waterfront residence offers a level beach, gazebo, dock, and year-round boat moorage along the shores of Lake Washington, cr...
- 5 Beds
- 4 Baths
- 2551845 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Lake views, newer construction, and four bedrooms on one level are a rare find on Mercer Island. Built in 2016, this thoughtfully designed home offers nearly 4,600 square...
- 5 Beds
- 5 Baths
- 2553244 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
An iconic Ralph Anderson mid-century modern, beautifully reimagined for modern living. Honored with two renovation and design awards, including the Rex Award for Historic...
- 5 Beds
- 2 Baths
- 2552195 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
This timeless two-story traditional home offers a seamless blend of classic character, thoughtful updates, and effortless livability. Backing directly onto the lush green...
- 4 Beds
- 3 Baths
- 2551780 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Rare opportunity to own a large (16,675st ft) usable Mid-Island property. Bring your contractor, builder, designer and some vision to imagine what could be done here. Si...
- 3 Beds
- 3 Baths
- 2551520 MLS
- ACTIVE Status
Listing courtesy of RSVP Brokers ERA.
PRICE IMPROVEMENT! There is still time to spend your summer playing on sparkling Lake Washington! With a tempting new price, opportunity beckons you to seize this rare ch...
- 3 Beds
- 4 Baths
- 2551386 MLS
- ACTIVE Status
Listing courtesy of Windermere Mercer Island.
Prepare to be delighted! Move right in...every system, appliance and surface amenity has been updated. New roof, new central A/C, new furnace, new Generator, all new appl...
- 3 Beds
- 3 Baths
- 2551055 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
An extraordinary gated estate in coveted West Mercer showcasing breathtaking 180° views of Lake Washington, the Seattle skyline & unforgettable sunsets. Extensively upgra...
- 5 Beds
- 6 Baths
- 2543686 MLS
- ACTIVE Status
Listing courtesy of Windermere Bellevue Commons.
Your Dream Home awaits! Beautiful 1/2 acre lot in Cay Hills overlooking Lake Washington. This quiet dead end street is the perfect place to build. Located in a sought-aft...
- 2549548 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
A standout opportunity on Mercer Island! Perfectly located mid island, this cool, unique, and fun home has been recently remodeled from top to bottom and is completely mo...
- 5 Beds
- 4 Baths
- 2549934 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
Completely updated and move-in ready! This beautiful one bedroom condo in the heart of Mercer Island features a stunning new kitchen with white shaker cabinets and quart...
- 1 Beds
- 1 Baths
- 2549381 MLS
- ACTIVE Status
Listing courtesy of Keller Williams Realty PS.
Rare opportunity on Mercer Island — a East facing one-bedroom with a private deck all within steps of the light rail station, Park & Ride and Downtown. The open living/...
- 1 Beds
- 1 Baths
- 2548493 MLS
- ACTIVE Status
Listing courtesy of RE/MAX Eastside Brokers, Inc..
Discover an exceptional opportunity to create your vision on this 17,603-square-foot homesite, ideally positioned at the top of a private street just off desirable W Merc...
- 2547549 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Experience the pinnacle of luxury waterfront living on West Side. Nestled on 100' of coveted Lake Washington shoreline, this extraordinary low bank estate offers breathta...
- 6 Beds
- 6 Baths
- 2545107 MLS
- ACTIVE Status
Listing courtesy of MY International Real Estate.
Nestled in Mercer Island's coveted East Seattle neighborhood, this beautifully updated residence with an effective year built of 2010 blends timeless elegance with modern...
- 4 Beds
- 4 Baths
- 2545918 MLS
- ACTIVE Status
Listing courtesy of Whisper Real Estate.
Rare opportunity in the highly sought-after Mercer Island community! This 3-bedroom,2.5 bath home offers approximately 1800 square feet of living space on a generous lot ...
- 3 Beds
- 3 Baths
- 2543694 MLS
- ACTIVE Status
Listing courtesy of Homes & Equity Real Estate Grp.
Perched above Lake Washington in one of the Island’s most peaceful neighborhoods, this extensively remodeled luxury home captures sweeping views of Lake Washington, Mount...
- 5 Beds
- 4 Baths
- 2544375 MLS
- ACTIVE Status
Listing courtesy of Engel & Voelkers Mercer Island.
A rare opportunity to create a signature residence on Mercer Island's coveted North End. Set on an expansive ~¼ acre lot, this exceptional property comes with [ Approve...
- 2545164 MLS
- ACTIVE Status
Listing courtesy of Wilson Realty Exchange, Inc..
Lake & mountain views set the stage for this fantastic Mercer Island home. Upon entering, you are greeted by a light-filled entry that immediately draws you to the views ...
- 4 Beds
- 3 Baths
- 2544498 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
This one-of-a-kind residence is a masterpiece of craftsmanship, thoughtfully designed to blend seamlessly with its natural surroundings while creating a sense of timeless...
- 4 Beds
- 4 Baths
- 2536763 MLS
- ACTIVE Status
Listing courtesy of Windermere Mercer Island.
Lake Washington views and shared waterfront! Your beach house lifestyle starts here, in a custom Northwest gem thoughtfully crafted to take advantage of its incredible 1/...
- 4 Beds
- 3 Baths
- 2543333 MLS
- ACTIVE Status
Listing courtesy of Windermere Mercer Island.
A rare opportunity to create a signature residence on Mercer Island's coveted North End. Set on an expansive ~¼ acre lot, this exceptional property comes with [Approved...
- 3 Beds
- 2 Baths
- 2541764 MLS
- ACTIVE Status
Listing courtesy of Wilson Realty Exchange, Inc..
Get on the lake this summer and jump into one of the best waterfront investment opportunities on Lake Washington. This Northend Retreat showcases 90 ft of shoreline, a pa...
- 5 Beds
- 5 Baths
- 2543693 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Prince Edward Island meets Mercer Island! Charming newer Aspen Homes construction on oversized level lot with lake views in perfect north end location! Flowing great room...
- 4 Beds
- 5 Baths
- 2541926 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Brand new construction, west facing home just completed by American Classic Homes; headquartered on Mercer Island and one of the region's most respected builders for over...
- 5 Beds
- 5 Baths
- 2543096 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Experience the best of Mercer Island living with sweeping Lake Washington & Mt. Rainier views, abundant natural light, and beautifully updated interiors. Nestled on a qui...
- 4 Beds
- 4 Baths
- 2542749 MLS
- ACTIVE Status
Listing courtesy of Skyline Properties, Inc..
Tucked at the back of Parkwood is Parkwood Ridge Road. A lane flanked by lush green forest and prized custom homes. Here nature unfolds, from the mixture of evergreens to...
- 3 Beds
- 3 Baths
- 2542856 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
$100K price improvement! All the best of Mercer Island is at your fingertips. Just a short stroll from the Mercer Island Country Club, stores, restaurants, & parks, this...
- 4 Beds
- 3 Baths
- 2541783 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Location, Location, Location! Rare opportunity to own 3,132 sq ft on Mercer Island for under $2M! Spacious 3-bedroom, 2.5-bath home with bonus/media room offering the com...
- 3 Beds
- 3 Baths
- 2541372 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Coveted Westside Shared Waterfront! Enjoy the best of Mercer Island waterfront living with boat moorage, 100' of community beach, a new dock, boat lift, and beautifully r...
- 5 Beds
- 4 Baths
- 2540446 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Exceptional in all ways. Pinnacle waterfront living on Mercer Island. This NW Modern estate redefines quiet luxury with unmatched style. No expense spared, offered as tur...
- 5 Beds
- 5 Baths
- 2540286 MLS
- ACTIVE Status
Listing courtesy of 360 Pacific.
Built by renowned MN Custom Homes, this exceptional Mercer Island residence offers a sought-after floor plan with four bedrooms and laundry on the upper level. The spacio...
- 5 Beds
- 5 Baths
- 2536138 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
An artisanal masterpiece designed to elevate everyday living and a love for the lake. Designed by Studio McGee and built by Lochwood-Lozier Custom Homes, this waterfront ...
- 5 Beds
- 8 Baths
- 2537113 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
Light-filled and move-in ready, this inviting 2-bedroom, 1.5-bath Mercer Island condominium offers comfort, convenience, and an exceptional location. Fresh interior paint...
- 2 Beds
- 2 Baths
- 2535994 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
Set along 78 feet of coveted North Mercer Island waterfront, this architectural residence was created for the buyer who has never been drawn to the ordinary. Floor-to-c...
- 5 Beds
- 5 Baths
- 2531459 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Charming updated south-facing home with a warm welcoming feel, abundant light, and wonderful spaces for everyday Mercer Island living. Pride of ownership is evident throu...
- 3 Beds
- 2 Baths
- 2525349 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Experience refined lakefront living in this reimagined Northwest contemporary masterpiece, originally designed by renowned architects Ross & Ralph Anderson and nestled al...
- 4 Beds
- 4 Baths
- 2520515 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc.
Renovated in 2022, the home preserves its original architectural integrity while incorporating contemporary design elements and modern comforts, perfectly suited to today...
- 5 Beds
- 4 Baths
- 2529229 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
This Northwest gem is hidden away in a magical forest setting just steps from the beach. Its iconic A-frame design combines the best of an open-concept floor plan and inv...
- 3 Beds
- 2 Baths
- 2523138 MLS
- ACTIVE Status
Listing courtesy of Windermere Mercer Island.
Pristinely and thoughtfully elevated beyond its original design, this gorgeous NW Contemporary strikes a rare balance; modern in form, yet warm, livable, and effortlessly...
- 6 Beds
- 6 Baths
- 2525750 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate Midtown.
An extraordinary expression of modern waterfront living, this custom Mercer Island residence by acclaimed architect Stuart Silk is a rare offering where visionary design ...
- 4 Beds
- 6 Baths
- 2522184 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Cruise home to a legacy estate on Mercer Island’s coveted Gold Coast—137± ft of private, no-bank Lake Washington frontage on the island’s prized west shore. Designed in 1...
- 6 Beds
- 5 Baths
- 2522070 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Beautifully refreshed and impeccably maintained home on the south end of Mercer Island offering convenient main-level living in a peaceful setting. Thoughtful updates inc...
- 4 Beds
- 4 Baths
- 2517053 MLS
- ACTIVE Status
Listing courtesy of Redfin.
Nestled at the end of a peaceful cul-de-sac near Ellis Pond—one of Mercer Island’s most beloved spots—this JayMarc resale lives like new construction. Expansive ceilings ...
- 5 Beds
- 5 Baths
- 2513965 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Tucked away in the rarely available & sought-after enclave of Lakeridge Heights, this high-end residence sits on expansive, manicured grounds, creating a sanctuary-like s...
- 4 Beds
- 5 Baths
- 2510948 MLS
- ACTIVE Status
Listing courtesy of WeLakeside.
At Home on Mercer Island — Welcome to a setting where iconic Northwest water and mountain vistas frame everyday living. This north-end residence offers 2,395 sq. ft. of l...
- 4 Beds
- 3 Baths
- 2516937 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Four homes. One boutique community. One opportunity remaining. Nestled in the heart of Mercer Island, this Pacific Northwest Modern home is what happens when exceptional ...
- 5 Beds
- 5 Baths
- 2516634 MLS
- ACTIVE Status
Listing courtesy of Real Residential.
Olson Kundig design set upon the shores of Lake Washington. Light finds you in every space & the views are inescapable in your modern jewel-box home of glass, steel, wood...
- 4 Beds
- 4 Baths
- 2515323 MLS
- CONTINGENT Status
Listing courtesy of John L. Scott, Inc.
Surrounded by nature, this 4,477 sq ft home enjoys a complete 2023+ renovation & tranquil North Island location. Designer kitchen remodel in 2024 showcases an ILVE range,...
- 5 Beds
- 4 Baths
- 2514814 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Welcome to Eastern Sunrises every morning over the cascades with beautiful lake views in this multi level home. A truly special location situated one house up from Lake W...
- 4 Beds
- 4 Baths
- 2513485 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Magnificent Modern Waterfront! Custom-built & recently transformed into an elevated lakeside oasis: 154’ prime lakefront, re-decked deepwater dock w/ covered boat lift, b...
- 5 Beds
- 5 Baths
- 2509304 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Third-floor corner unit with only one shared wall, this 2 bed/1.75 bath home offers a rare combination of privacy, comfort, and convenience. The kitchen has been fully up...
- 2 Beds
- 2 Baths
- 2502461 MLS
- ACTIVE Status
Listing courtesy of Real Broker LLC.
Newly vacant and ready for its next owner! Perfectly sized for the efficiency-minded buyer, this 455-square-foot studio on coveted Mercer Island delivers the essentials ...
- 1 Baths
- 2507515 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
A rare Lake Washington waterfront offering on Mercer Island, this newly constructed home is built by MacPherson Construction & Design and resides on over 121 feet of sun-...
- 5 Beds
- 6 Baths
- 2502833 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
Walk to everything downtown Mercer Island—including shopping, dining, parks, and the upcoming light rail station—from this top-floor, light-filled end unit! Soaring vault...
- 2 Beds
- 2 Baths
- 2502424 MLS
- ACTIVE Status
Listing courtesy of Redfin.
NEW PRICE! From the moment you enter this magnificent home built by Gallagher Construction, you will be enchanted by the blend of classic elegance, custom quality & moder...
- 5 Beds
- 6 Baths
- 2498935 MLS
- ACTIVE Status
Listing courtesy of Windermere Mercer Island.
Welcome to this open and spacious 1,284 sq ft condo unit in the heart of downtown Mercer Island. This bright 2-bedroom, 2-bath home features an expansive living and dinin...
- 2 Beds
- 2 Baths
- 2501872 MLS
- ACTIVE Status
Listing courtesy of eXp Realty.
Extraordinary light-filled waterfront estate offers privacy, scale, and presence. Expansive view decks and lawn create exceptional spaces for elevated indoor-outdoor livi...
- 6 Beds
- 7 Baths
- 2498514 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
PRICE IMPROVED + SELLER PAYS 6 MONTHS OF HOA DUES! Discover one of the best values in downtown Mercer Island. This beautifully remodeled residence is ideally located d...
- 2 Beds
- 1 Baths
- 2480792 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Build your Mercer Island dream home on this private, tree-lined parcel tucked away on a quiet dead-end road. Surrounded by mature evergreens, this serene setting offers p...
- 2488274 MLS
- ACTIVE Status
Listing courtesy of Windermere RE/Capitol Hill,Inc.
This Beautiful 3 bedroom 3 bathroom (plans on site) home offers a Lake Washington Lifestyle. Situated perfectly to experience expansive Lake & Mountain views from all 3 l...
- 3 Beds
- 2 Baths
- 2481211 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
The power of a view, the magic of light changing from dawn to dusk. Jaw dropping vast Lake Washington, Olympic mountains, Seward Park & twinkling city views from this ico...
- 5 Beds
- 3 Baths
- 2479115 MLS
- ACTIVE Status
Listing courtesy of Coldwell Banker Bain.
only 10 possible out of 800 waterfront offerings - that is how rare this offering is. Sylvan Reach combines two parcels, two waterfronts in a once-in-a-generation waterf...
- 5 Beds
- 2 Baths
- 2478334 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
An extraordinary canvas for building your dream waterfront estate. This rare prime half-acre property on Mercer Island’s sought-after North End captures breathtaking view...
- 7 Beds
- 9 Baths
- 2449220 MLS
- ACTIVE Status
Listing courtesy of Wonderland Real Estate.
An extraordinary canvas for building your dream waterfront estate. This prime half-acre property on Mercer Island’s sought-after North End captures breathtaking views of ...
- 2449152 MLS
- ACTIVE Status
Listing courtesy of Wonderland Real Estate.
Enjoy Mercer Island urban life! This spacious top floor, 2 bed/2bath condo is centrally located in the Devington with easy access to restaurants, parks, shops & I-90. Soa...
- 2 Beds
- 2 Baths
- 2407818 MLS
- ACTIVE Status
Listing courtesy of Kelly Right RE of Seattle LLC.
Presenting this legacy waterfront estate for the first time ever. The result of a visionary partnership between Robert Maloney Architects and Thom Schultz / Mercer Builde...
- 5 Beds
- 6 Baths
- 2400769 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
Experience superlative Northwest living in this sophisticated and joyous Mercer Island waterfront home. Delight in unobstructed stunning Mt. Rainier views from the privat...
- 5 Beds
- 6 Baths
- 2390251 MLS
- ACTIVE Status
Listing courtesy of Realogics Sotheby's Int'l Rlty.
A spotless and stunning new-construction home. Sited on the conveniently located north end with easy access to downtown Mercer Island, I-90, Bellevue and Seattle. Captiva...
- 5 Beds
- 6 Baths
- 2359638 MLS
- ACTIVE Status
Listing courtesy of Windermere Real Estate/East.
The epitome of waterfront living on Mercer Island's tranquil north shore. This rare rambler-style beach house offers a serene retreat with 4 bedrooms, including a primary...
- 4 Beds
- 5 Baths
- 2353107 MLS
- ACTIVE Status
Listing courtesy of Berkshire Hathaway HS NW.
A rare find! Great view lot provides a setting with views of Lake Washington, Downtown Seattle, and the Olympic Mountains. This is the perfect Northend location to build ...
- 2352940 MLS
- ACTIVE Status
Listing courtesy of John L. Scott, Inc..
Amazing opportunity to buy water views on Mercer Island. Quiet Neighborhood. Buyer to verify utilities all building permits and other details. Please see MLS # 2323326 la...
- 2323324 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Amazing opportunity to buy water views on Mercer Island. Quiet Neighborhood. Buyer to verify utilities all building permits and other details. Please see MLS # 2323324 la...
- 2323326 MLS
- ACTIVE Status
Listing courtesy of COMPASS.
Based on information submitted to the MLS GRID as of . 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.IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Mercer Island, WA Home Loans
Secure the right home loan in Mercer Island, WA with our trusted mortgage experts. We provide local insights, personalized financing options, and proven strategies to help you buy with confidence. Whether you’re a first-time buyer, refinancing, or upgrading to your dream home, our team connects you with the best rates, guides you through the pre-approval process, and ensures a smooth, stress-free path to homeownership.
AJ Allen
Your Mercer Island, WA Mortgage Lender
AJ Allen, a licensed broker with Pellego and owner of APEX Mortgage LLC, brings a unique combination of real estate expertise and mortgage industry knowledge to the Mercer Island, WA housing market market. With years of experience helping clients navigate both home purchases and financing, AJ offers strategic market insight, a sharp eye for property value, and end-to-end guidance through every step of the process. Whether buying your first home, upgrading, or investing, AJ delivers personalized solutions that align with your financial and real estate goals across the Seattle area.
Best Home Loan Rate for Your New Mercer Island Home Purchase
Locking the best home loan rate in Mercer Island, WA starts with a precise plan. As a local lender serving the Greater Seattle area—Seattle, Bellevue, Kirkland, Redmond, Issaquah, Sammamish and beyond—APEX Mortgage LLC and owner/lender AJ Allen tailor your financing around your goals and timeline. We fine-tune pre-approval, analyze credit and DTI, and match you to the right product—Conventional, FHA, VA, Jumbo, or ARMs—so you’re positioned to win offers while minimizing total borrowing cost.
We actively track Seattle mortgage rates and advise on rate-lock timing, points vs. no-points, and closing cost strategies to reduce your APR. Our local appraisal and underwriting coordination helps you move fast in competitive King/Snohomish/Pierce markets, while our negotiation and communication keep your file clean through inspection, escrow, and closing. Work with APEX Mortgage LLC and AJ Allen for a data-driven path to the best home loan rate on your new Mercer Island home.
Secure the Best Home Loan in Mercer Island, WA
Work with Mercer Island’s trusted mortgage experts, AJ Allen and the team at APEX Mortgage LLC. With personalized loan options, competitive rates, and expert guidance, we make financing your home simple. Get pre-approved, explore refinancing, and move forward with confidence in the Mercer Island real estate market.
Mortgage and Home Financing in Mercer Island, WA
Why finance a home on Mercer Island?
Set on Lake Washington between Seattle and Bellevue, Mercer Island blends small-town calm with world-class access to jobs, culture, and outdoor recreation. For many buyers, financing rather than paying cash preserves liquidity, offers potential tax advantages, and provides a disciplined path into this premium market. With competitive Mercer Island mortgage rates and a broad menu of loan programs, qualified borrowers can tailor financing to match the island’s varied housing—from view condos and mid-century classics to custom waterfront estates.
Daily life here is defined by easy I-90 access, leafy neighborhoods, top-rated schools, and shoreline parks. Whether you commute to downtown Seattle, Bellevue, Redmond, or the broader Eastside tech corridor, well-structured home loans in Mercer Island help you secure a property aligned with your lifestyle and long-term financial goals. Local expertise matters: mortgage lenders in Mercer Island understand pricing dynamics, appraisal nuances, and timelines that are common in the greater Seattle area.
- Central location with quick access to Seattle and Bellevue via I-90
- Consistently strong demand and limited land supply
- Excellent schools and community amenities
- Waterfront, view, and luxury property options
Bottom line: securing the right mortgage on Mercer Island can be a strategic investment in a rare, high-demand location, particularly when you compare Mercer Island mortgage rates and programs tailored to King County’s housing profile.
Understanding Mercer Island mortgage rates
Mercer Island mortgage rates reflect national bond markets, inflation, and Federal Reserve policy, but your specific rate depends on your credit, down payment, loan size, property type, and whether you choose a fixed-rate or adjustable-rate structure. Jumbo loans are common on the island due to price points, and jumbo pricing can differ from conforming and high-balance conforming loans. Mortgage lenders in Mercer Island can break down how points, credits, and lock terms affect your total cost.
- Market drivers: inflation, MBS yields, and Fed policy
- Personal factors: FICO score, DTI ratio, assets, and reserves
- Property factors: condo vs. single-family, occupancy, and condition
- Loan structure: fixed vs. ARM, points, and term length
Ask about lock periods, extension costs, and any float-down options. Compare Annual Percentage Rate (APR) alongside the interest rate to understand fees and points. In a competitive Eastside market, a well-timed rate lock can preserve savings while you finalize inspections and appraisal.
Popular home loans in Mercer Island
Home loans in Mercer Island span conventional, jumbo, and government-backed programs. The best fit balances payment comfort, down payment, and long-term plans for the property. Because inventory is limited and price points vary by neighborhood and view corridor, a flexible pre-approval can give you an edge with sellers.
- Conventional fixed-rate and ARM mortgages
- High-balance conforming loans (subject to FHFA limits)
- Jumbo loans for larger loan amounts
- FHA loans with low down payment options
- VA loans for eligible veterans and service members
- Portfolio and interest-only options for select scenarios
Lenders serving Mercer Island and the Seattle-Bellevue metro can help you weigh monthly payment, cash to close, and long-term interest cost across these choices.
First-time homebuyer programs
First-time buyers have multiple pathways in King County. The Washington State Housing Finance Commission (WSHFC) offers fixed-rate programs and down payment assistance that can be layered with FHA or conventional financing, subject to income, purchase price, and credit guidelines. While Mercer Island prices can be higher than some program limits, opportunities may exist for condos or smaller homes, and first-time buyers searching across the Eastside—Bellevue, Redmond, Kirkland, and Issaquah—may find more properties within program thresholds.
- WSHFC Home Advantage fixed-rate loans
- Down payment assistance second mortgages
- Fannie Mae HomeReady and Freddie Mac Home Possible
- Potential employer or relocation assistance benefits
Ask mortgage lenders in Mercer Island which programs you can combine and how income limits, homebuyer education, and property type rules apply. Comparing these options alongside Mercer Island mortgage rates can reveal meaningful savings with manageable cash to close.
Conventional loans on the Eastside
Conventional mortgages are a strong match for well-qualified buyers who want predictable amortization and the potential to remove private mortgage insurance (PMI) as equity builds. In King County, conforming and high-balance conforming loan limits are higher than the national baseline and adjust annually. If your price point fits within those limits, you can access competitive pricing and standardized underwriting. If you exceed them, you’ll pivot into jumbo financing.
Conventional loans offer wide flexibility on down payment (as low as 3% in certain cases), condo approvals, and property types. They’re also commonly used for second homes on the lake or investment properties, subject to program requirements.
Jumbo financing for luxury and waterfront homes
Many Mercer Island properties require jumbo loans due to their price and bespoke features. Jumbo guidelines vary by lender because many of these loans are held in portfolio. Expect tighter documentation, higher reserve requirements, and occasionally two appraisals for complex properties. Interest-only and ARM structures can help manage cash flow on larger balances, especially for buyers with variable income or stock-based compensation common in the greater Seattle area.
- Loan amounts above high-balance conforming limits
- Stronger reserves and asset verification
- Possible multiple appraisals for unique homes
- Portfolio pricing and negotiated terms
Partnering with experienced mortgage lenders in Mercer Island is valuable when your property has dock rights, significant shoreline improvements, or distinctive architectural elements that require careful appraisal.
FHA loans in Mercer Island
FHA financing offers a low down payment and more flexible credit standards, which can help first-time buyers and those rebuilding credit. FHA loans include upfront and monthly mortgage insurance and are subject to county loan limits. If you’re considering a condo, the development may need FHA approval or a spot approval. In some Mercer Island and Seattle-area price bands, FHA can be a competitive choice when combined with down payment assistance.
Compare FHA versus low-down-payment conventional side-by-side; in certain credit tiers, conventional PMI may be less expensive, while FHA can be more forgiving on debt-to-income ratios. A detailed cost comparison helps you choose the best long-term path among home loans in Mercer Island.
VA loans for eligible service members
VA loans offer powerful benefits: zero down (with full entitlement), no monthly mortgage insurance, and competitive rates. In high-cost areas like King County, VA loans can still be used for large purchases, and jumbo VA is available with specialized lenders. Eligible veterans, active-duty service members, and certain surviving spouses should ask about VA-specific appraisals, the VA funding fee (with possible exemptions), and how pre-approval strength translates in competitive offer scenarios.
Look for mortgage lenders in Mercer Island with deep VA experience to navigate appraisal timelines, condo approvals, and local seller expectations.
Refinancing options on Mercer Island
Refinancing can lower your rate, reduce your term, or unlock equity for renovations, tuition, or portfolio diversification. Rate-and-term refinances swap your current loan for a better structure, while cash-out refinances allow you to tap appreciation. Alternatives like HELOCs or home equity loans provide flexibility without replacing your existing first mortgage. Government streamline options—FHA Streamline and VA IRRRL—can simplify documentation if you already have those loan types.
- Rate-and-term refinance for lower payment or shorter term
- Cash-out refinance for remodels and investment
- FHA Streamline for existing FHA borrowers
- VA IRRRL for eligible VA borrowers
- HELOC or home equity loan for line-of-credit flexibility
To decide, calculate break-even (costs divided by monthly savings) and consider how long you’ll keep the home. Monitoring Mercer Island mortgage rates with a trusted advisor helps you lock when the numbers make sense.
How to compare mortgage lenders in Mercer Island
Comparing mortgage lenders in Mercer Island helps you balance price, speed, and execution—critical in multiple-offer environments common across the Seattle and Bellevue markets. Gather standardized Loan Estimates on the same day to compare rate, APR, fees, and credits. Evaluate the lender’s reputation with local listing agents and their appraiser panel’s knowledge of Mercer Island nuances.
- Request 3–5 same-day quotes and Loan Estimates
- Ask about rate lock length, extensions, and float-downs
- Seek fully underwritten pre-approvals for stronger offers
- Weigh service, communication, and closing timelines
- Confirm local appraisal and condo review expertise
Pursue the best combination of price and certainty. In many cases, a slightly higher rate with a faster, more reliable close can help win the home.
Down payment, closing costs, and taxes
Down payments range from 0% on VA to 3–5% on certain conventional and FHA options, and 10–25% or more on jumbo loans. Closing costs typically land around 2–4% of the loan amount, depending on points, prepaid items, and third-party fees. In King County, lenders often collect escrows for property taxes and homeowners insurance with your monthly payment. HOA dues, if applicable, factor into qualifying and monthly budgeting.
Condo buyers should review budgets, reserves, and any special assessments. Waterfront or view homes may require additional inspections or insurance considerations. Talk with your lender about allowable gift funds, seller credits, and reserve requirements common on larger Mercer Island loans.
Steps to get pre-approved
- Check your credit and correct errors early
- Gather income, asset, and housing documents
- Compare programs: conventional, FHA, VA, jumbo
- Obtain a fully underwritten pre-approval
- Update your letter as price points change
A strong pre-approval proves you’re ready to perform and lets you confidently compare Mercer Island mortgage rates and terms. Many buyers also request a rate scenario for both fixed and ARM options to match expected hold period and cash flow.
Local market insights: Mercer Island and the greater Seattle area
Mercer Island’s market is defined by scarce land, lifestyle demand, and proximity to Seattle and Bellevue. Inventory is often limited, and high-quality listings can move quickly. Appraisals for unique properties—lakefront, wide views, or extensive remodels—require experienced local appraisers, which is why using mortgage lenders in Mercer Island can streamline the process. If you’re searching across nearby Eastside hubs like Bellevue, Kirkland, and Redmond, consider how school districts, commute patterns, and HOA structures shape your financing strategy.
For buyers relocating to the Seattle metro area, it’s common to pair stock-based compensation or RSUs with higher down payments or reserve structures in jumbo loans. If you anticipate future liquidity events, discuss interest-only or ARM options and a planned refinance or principal reduction strategy.
Strategies to lower your rate and payment
- Buy points when the break-even aligns with your time horizon
- Use temporary 2-1 or 1-0 buydowns for first-year savings
- Consider ARMs for shorter expected hold periods
- Improve credit score and debt ratios before locking
- Increase down payment or use piggyback financing to avoid jumbo
- Ask about float-downs if rates fall after locking
Have your lender model scenarios side-by-side, including total interest paid, cash to close, and breakeven timelines. When comparing home loans in Mercer Island, clarity on the multi-year cost matters as much as the initial monthly payment.
Common mistakes to avoid
- Large purchases or new credit before closing
- Unverified cash deposits that delay underwriting
- Letting a rate lock expire in a rising-rate cycle
- Underestimating closing costs, reserves, or HOA dues
- Overlooking condo approval or project review requirements
Stay in close contact with your lender and agent from offer through funding. Proactive documentation and a realistic timeline keep your transaction smooth, even during busy Seattle-area listing periods.
Your next step
Whether you’re buying a first condo near town center, upsizing to a view home, or refinancing a waterfront property, start by comparing Mercer Island mortgage rates and requesting detailed quotes from several mortgage lenders in Mercer Island. A thoughtful pre-approval, local appraisal expertise, and the right program—conventional, jumbo, FHA, or VA—will position you to secure the home you want in one of the Seattle region’s most desirable communities.
Explore today’s home loans in Mercer Island, review your options with a trusted advisor, and move forward with confidence in a financing plan designed for your goals and this exceptional market.
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