CoBuy-Suitable™ Homes

Three ensuite bedrooms, two levels, two entrances

9720 NE Lofgren Rd, Bainbridge Island, WA 98110

$2,234,000

$866/sqft

Active · MLS #2580136 · Listed September 10, 2026 (view listing)

3 bd + 2 offices · 3.5 ba · 2,579 sqft · 4.41 ac · built 2018

Contact the listing agent

Listed by Fred Glick, Arrivva, Inc. · WA #25920

CoBuy-certified™ Pro

Supports three to five adults sharing, with three ensuite bedrooms across two levels.

Full scoresheet ↓

CoBuy Suitability Score™

Supports three to five adults sharing, with three ensuite bedrooms across two levels.

Zones: Two levels, each with its own entrance · 3 ensuite bedrooms · 1 kitchen with a range

Ensuite: a bedroom with its own private bath.

Owner-verified: 12 of 12unverified counts as absent; scores only rise with proof

Three to five adults: A
Two couples: A
A couple plus one: A
Two friends: A
Two independent households: Not possible
A household plus a separate unit: Not possible

Scored for six ways of sharing a home. This one supports four of them.

How it grades for six common ways of sharing

Including the two this home cannot do as built.

Three to five adults: AThree adults each get an ensuite bedroom. Four or five fit when some share a bedroom, with one kitchen for everyone.
Two couples: AThree ensuite bedrooms and two living rooms on two levels, with one kitchen shared. The third suite fits a friend, or a third couple.
A couple plus one: AThe third person has the lower level: its own entrance, ensuite bedroom, laundry and living room.
Two friends: AOne level each, with its own entrance, ensuite bedroom, laundry and living room.
Two independent households: Not possibleOne kitchen with a range. Each household needs its own cooking source.
A household plus a separate unit: Not possibleWithout a cooking source, the lower level cannot run as its own home.

Why the last two are not possible: The lower level has its own entrance, bath, laundry and living room, but its kitchen has no cooktop or range. Adding one would make both possible. Confirm what that takes with the seller and the City.

Grades describe what the home can physically support, not who should buy it. A larger home satisfies smaller groups easily, so the strongest grades are not always the best fit. Buyers should confirm permitted uses and occupancy rules with the city.

What makes it work

Three ensuite bedrooms. Every bedroom has its own bath: two on the main level, one on the lower level.
Two separate entrances. Each level has its own outside door, and the levels do not connect inside. Neither party walks through the other's space to get home.
Two laundries, two living rooms. Each level has its own washer and dryer and its own living room, so daily life does not have to be shared.
Parking for four. A two-car garage plus a tandem two-car space for the lower level.

Lower-level living room with a sliding glass door and a separate exterior door to the outside. — The lower level's living room, with its own door to the outside.

The floor plans

Lower and main levels. The lower level has its own exterior door, a bedroom with its own bath, laundry, and a living room.

Lower level floor plan: a living room, a kitchen, an office, a bedroom with its own bathroom and toilet room, and large unfinished areas. — Lower level

Main level floor plan: a covered deck, living and dining rooms, a kitchen, a small office, a laundry room, a half bath off the foyer, two bedrooms each with its own bathroom, and a two-car garage. — Main level

The plans show two offices: a 10'3" × 14'4" room on the lower level, which the listing counts as a fourth bedroom, and a smaller open office by the main kitchen. Neither has a bath of its own, so the grades above count three bedrooms. Sizes on the plans are approximate.

The math of sharing

At today's rates, a home like this is a stretch for one household and more manageable for a group. Split the same home two, three, four, or five ways:

Co-buyers

Down payment

Monthly, each

$6,780

Group total $13,560/mo

Cash to close, each

$240,155

Group total $480,310

Per-person monthly payment and cash to close, by number of co-buyers, at 20% down
At 20% down	2 co-buyers	3 co-buyers	4 co-buyers	5 co-buyers
Monthly (each)	$6,780	$4,520	$3,390	$2,712
Cash to close (each)	$240,155	$160,103	$120,078	$96,062

Assumptions

Price $2,234,000 · 30-year fixed, standard amortization.
Rate 7.4% (national average 30-year fixed as of Oct 8, 2026; jumbo pricing varies).
Property tax $8,839/yr (from the listing).
Insurance ~$449/mo (estimated) · closing costs ~1.5% of price (estimated).
Washington real estate excise tax is seller-paid and excluded.

These figures are illustrative, not a quote or a loan offer. All co-borrowers qualify jointly, and pricing depends on credit, income, and the specific loan. Get an official Loan Estimate before choosing a loan. Run your own numbers.

Rates auto-updated from Federal Reserve Economic Data (FRED)

The photos

The details

Beds: 3 + 2 offices
Baths: 3.5
Interior: 2,579 sqft
Lot: 4.41 acres
Built: 2018
Levels: 2
Parking: 4 confirmed
MLS: #2580136

No HOA · Kitsap County · Bainbridge Island School District · medium-bank waterfront · two-car garage · listed September 10, 2026.

Fred GlickCoBuy-certified™ Pro

Arrivva, Inc. · WA #25920

Certified November 2025 · scored listings are a Pro benefit · visit their site

MLS #2580136. Listed by Fred Glick, Arrivva, Inc. (view the listing on Redfin). Photos courtesy of the listing agent, used with permission.

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