:No-Bank Utsalady Waterfront | Owned Tidelands | West Sunsets | No Ferry, No HOA-No-bank waterfront on Utsalady Bay with 70+ feet of shoreline and owned tidelands. This is true walk-out beach living-not a mid-bank house with stairs. West-facing for nightly sunsets over Saratoga Passage. Step from the yard, and from the primary suite's French doors, onto the sand to crab, clam, kayak, or simply sit by the water. Camano Island, no ferry required. Private gated dead-end street with no HOA. Minutes to Stanwood. The shoreline is protected by a new engineered concrete bulkhead (over $125,000 invested; 30+ year design). Recent upgrades also include new Sierra Pacific windows and doors throughout, new composite decking, and a gas generator with warranty through 2028. The home offers 2 bedrooms plus den, 2 baths, a fireplace, and a finished daylight basement on a 15,682 SF lot with a custom paved drive and ample parking. Primary suite opens directly toward the beach. Lower level includes den/office, rec, and bonus space for guests, hobbies, or flexible living.Rare combination on Camano: no-bank access, owned tidelands, west sunsets, larger lot, gated privacy, and no HOA. Owner-will-carry terms available. Finance options: Owner carry at 5.99-6.49% fixed (30-yr amort / 5- or 7-yr balloon) with 25-35% down or large-down short carry (40-50% down, 12-36 months) for 1031 / bridge timing, or up to $20,000 toward a 2-1 jumbo financed option buy down or loan costs. Cash welcome