Cottage / Storybook home in Seattle, WA
A Cottage home in Seattle, WA, it offers 4 bedrooms and 3 bathrooms across 1,780 square feet. The Cottage styling carries through the home's design.
| Price | $399,950 |
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| Beds | 4 |
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| Baths | 3 |
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| Sqft | 1780 |
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| Architectural style | Cottage / Storybook (34% match) |
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| Address | 4163 38th Avenue S, Seattle, WA 98118 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced below comparable homes.
- At $400K, this home is 60% below the $1000K median for 348 similar Cottage / Storybook homes in Seattle, WA.
- That works out to $225 per square foot, 60% below the $567 comparable rate.
| This home | $399,950 |
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| Cottage / Storybook median in Seattle, WA | $999,500 (348 homes) |
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| Price per sq ft | $225 vs. $567 comps median |
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It is well below comparable homes, which can mean condition issues, a smaller lot or living area, a leasehold, or a data quirk. Check the source listing before getting excited. Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $2,652/month with 20% down at a 7.28% 30-year fixed rate. You would need about $113,678 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,189/mo |
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| Property tax (new-buyer reassessed rate) | $313/mo |
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| Homeowners insurance | $150/mo |
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| Total monthly | $2,652/mo |
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| Down payment (20%) | $79,990 |
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| Income needed | $113,678/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B- (68 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B- (68/100) |
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| Beats renting in | 22% of modeled paths |
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| Modeled 5-yr equity (median) | $213,151 |
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| Range (10th to 90th pct) | $132,585 to $307,910 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Seattle, WA where local data is thin.
Local home values
Typical home values in Seattle, WA have risen about 10% over the past 5 years (-1% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Zillow