Buying a Home Near the Water? What to Know Before You Fall in Love

That dreamy waterfront view? It comes with a few things you’ll want to know before diving in.

There’s nothing dreamier than waking up to salty air, water views, and sunsets over Semiahmoo Bay—until that dreamy waterfront home comes with flood insurance, erosion risks, and a surprise crab in your garage. Let’s make sure your coastal crush doesn’t turn into buyer’s remorse.

Understand Flood Zones & Insurance

Living near the water often means flood zones—which can affect financing, insurance rates, and future resale. Before you fall in love with the view, check FEMA maps and talk to your lender about flood insurance requirements. It’s not a dealbreaker, just something to factor in early.

Know the Type of Waterfront You’re Buying

Not all water is created equal. Is it oceanfront, tideland, canal, or bay access? Some properties offer private beach rights, others might be close—but not walkable. Make sure you know what you’re actually buying (and not just admiring from afar).

Check for Erosion & Maintenance Issues

Waterfront homes are gorgeous—but they also take a beating from wind, salt, and shifting shorelines. Look out for signs of erosion, foundation wear, or seawall issues, and always hire an inspector who knows coastal properties.

Understand the Rules (HOAs, Permits & Setbacks)

Waterfront properties often have extra layers of red tape. Want to build a dock, remove vegetation, or remodel? You’ll likely need permits from the city or county. Always check local and shoreline regulations, especially in areas like Blaine, Birch Bay, and Point Roberts.

Think Long-Term: Lifestyle vs. Logistics

Waterfront living is a lifestyle—sunsets, kayaks, peace and quiet. But it can also come with longer commutes, seasonal tourists, or limited services. Make sure the location works for both your heart and your calendar.

Bottom Line?

I help buyers all over Whatcom County fall in love with the right kind of waterfront—whether it’s the salty shores of Blaine or the peaceful coves of Birch Bay. Let’s find a home that fits your vision and your budget.

Ready to explore Whatcom’s best waterfront homes? Let’s chat!