If you’ve spent any time exploring waterfront properties here in Anacortes—or anywhere in the Pacific Northwest, really—you’ve probably heard the terms “high bank” and “low bank” tossed around. These phrases might sound like insider jargon, but understanding the difference is key when shopping for your dream home along our stunning shorelines.
Let’s break it down.
What Is a High Bank Waterfront Property?
A high bank waterfront property sits atop a bluff or cliff that overlooks the water. These homes offer dramatic, sweeping views of the Puget Sound, San Juan Islands, and on clear days, even the Olympic Mountains. Think: postcard-perfect sunsets and a sense of privacy that feels like you're perched on your own personal lookout.
Pros of High Bank Waterfront:
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Unmatched Views: Elevated vantage points often mean panoramic, unobstructed water vistas.
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Privacy & Security: Being higher up means fewer people passing by and less risk of flooding or storm surge.
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Natural Beauty: High banks are often surrounded by mature trees and natural vegetation.
Cons of High Bank Waterfront:
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Limited Water Access: You likely won’t be walking down to the beach with your morning coffee—access can be steep, or sometimes nonexistent.
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Erosion Concerns: Bluffs can be susceptible to erosion, so understanding the geology and history of the land is important.
What Is a Low Bank Waterfront Property?
A low bank property sits much closer to sea level, often with direct access to the beach, tide flats, or shoreline. In Anacortes, these spots are gems for people who love beachcombing, kayaking, or launching a paddleboard right from their backyard.
Pros of Low Bank Waterfront:
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Direct Access: Walk right into the water or onto the beach—perfect for families, water sports enthusiasts, or simply dipping your toes in the Sound.
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More Usable Space: These properties often have yards or patios right at the water’s edge.
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Ideal for Boaters: Easier to add a dock or buoy, depending on zoning and shoreline regulations.
Cons of Low Bank Waterfront:
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Flood Risk: Being closer to sea level comes with potential exposure to storm surges and rising tides.
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Less Privacy: With direct beach access, there might be more foot traffic or nearby boaters.
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View Tradeoffs: Views may still be beautiful but less expansive than those from a high bank perch.
So… Which One Is Better?
That really depends on your lifestyle. If your dream is sipping coffee from a balcony with commanding views and you don’t mind driving to a public beach or marina, a high bank property could be your match. But if your ideal day includes walking barefoot from your porch to the water, collecting seashells with the kids or launching a kayak, then low bank is the way to go.
Here in Anacortes, we’re lucky to have a diverse mix of both. From the dramatic cliffs to the calm, walkable beaches; there’s something for everyone.
If you’re not sure which is right for you—or just want to explore what’s currently on the market—I’d love to help. Reach out anytime, and let’s find your perfect piece of the waterfront.
Looking for a waterfront home in Anacortes? I’m here to help you navigate the tides—high or low.
