Anacortes Homes with FHA Terms

Anacortes Homes with FHA Terms

Anacortes: The Perfect Blend of Nature and Community

Anacortes, located in the beautiful state of Washington, is a charming city that offers a perfect blend of natural beauty and a strong sense of community. Situated in Skagit County, Anacortes is known for its stunning views of the Puget Sound, the San Juan Islands, and the Olympic Mountains. With a population of around 17,000 residents, this small city has a tight-knit community that welcomes newcomers with open arms.

For those looking to make Anacortes their home, there is good news. Homes with FHA terms are available, making it easier for potential homeowners to realize their dreams of owning a property in this picturesque city. The Federal Housing Administration (FHA) provides mortgage insurance on loans made by FHA-approved lenders, allowing buyers to secure favorable terms and down payment options.

Anacortes offers a range of housing options to suit different preferences and budgets. From cozy cottages to spacious family homes, there is something for everyone. Many properties in Anacortes boast breathtaking views, whether it's of the water, mountains, or lush greenery.

Beyond its natural beauty, Anacortes offers a thriving arts and culture scene, with numerous galleries, theaters, and music venues. The city also hosts various festivals and events throughout the year, bringing the community together to celebrate and enjoy local talent.

Outdoor enthusiasts will find themselves in paradise in Anacortes. The city is surrounded by parks, trails, and marinas, providing ample opportunities for hiking, biking, boating, and fishing. Deception Pass State Park, just a short drive away, offers even more outdoor adventures, including camping and wildlife spotting.

Whether you're captivated by the stunning scenery, the strong sense of community, or the FHA terms available for homebuyers, Anacortes is a city that truly has it all. Discover the magic of this Pacific Northwest gem and make it your next home.

Newest Anacortes Homes with FHA Terms

$325,000
2 Beds ⋅ 2 Baths ⋅ 2567134 MLS ⋅ ACTIVE Status
Welcome to coastal living at its finest in Anacortes! This beautifully updated 1980 manufactured home offers the perfect mix of modern comfort, practical accessibility, and subtle marine views of the Salish Sea. Step inside to discover a bright, refreshed interior featuring stunning new engineered hardwood flooring throughout, completely updated plumbing, and high-speed fiber internet directly from the City of Anacortes—ideal for remote work or streaming. The heart of the home boasts a stylishly remodeled kitchen ready for your culinary adventures, alongside a thoughtfully renovated bathroom. Accessibility and convenience take center stage outdoors. A solid, custom-built wheelchair accessible ramp leads smoothly to the front entrance. Bring all your recreation gear—there is ample dedicated parking space for an RV, boat, or camper. The exterior features a durable, newer composite roof for total peace of mind. Out back, enjoy a spacious, fully fenced yard complete with a secure dog run, making it a safe haven for pets and outdoor enjoyment.

2306 Grant Place, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$765,000
3 Beds ⋅ 3 Baths ⋅ 2560261 MLS ⋅ ACTIVE Status
Low-maintenance landscaping, sunlit interior & a top-tier locale — this home has the space you need & the location you've been wanting! 2,294 asf brimming with clean lines & thoughtful details, edging a greenbelt for the perfect blend of convenience & privacy. Highlights: 3 bedrooms plus a spacious bonus (currently a home gym), a Great room with gleaming hardwood floors, sky-high ceilings, picture windows & adjacent dining area. The open kitchen is light, bright & just right — granite countertops, ample storage & a seamless transition to the family room with gas fireplace, built-in shelving & fast access to the hand-laid back patio. Custom additions like a tankless water heater, EV charging & smart features infuse versatility & function into your daily routine. Add the attached 2-car garage, covered synthetic front porch & more…immaculately loved, subtly updated & waiting for you!

3819 Copper Pond Place, Anacortes

Listing courtesy of Windermere Whidbey Island.

$399,000
1 Beds ⋅ 2 Baths ⋅ 2564369 MLS ⋅ ACTIVE Status
Investor Alert!! Inside, you’ll find vaulted ceilings that fill the home with natural light and enhance the spacious feel of the open-concept living and dining areas. With solid bones and excellent upgrade potential, this property is ideal for buyers looking to build sweat equity while creating a home tailored to their vision. Refresh the finishes, remodel to your taste, or simply move in and update over time—the possibilities are endless. Conveniently located near shopping, dining, parks, schools, and all that Anacortes has to offer, this home combines an exceptional location with scenic views of the Water and Mount Baker. Make this your next home.

3719 Commercial Avenue, Anacortes

Listing courtesy of NextHome Preview Properties.

$595,000
2 Beds ⋅ 2 Baths ⋅ 2564840 MLS ⋅ ACTIVE Status
Rare top-floor corner residence in Anacortes’ coveted Skyline community, offering approximately 1,553 sq. ft. of beautifully updated, single-level living. Thoughtfully designed and truly move-in ready, this exceptional home blends elevated finishes with generous proportions, abundant natural light, and captivating water, island, mountain, and territorial views. The spacious living room features a dramatic brick fireplace, wide-plank flooring, and walls of windows, while the dining area opens to a covered balcony ideal for morning coffee, sunset gatherings, and year-round enjoyment. The renovated kitchen is both beautiful and functional, with rich wood cabinetry, quartz-style counters, subway tile backsplash, stainless appliances including new induction stove, modern lighting, and abundant storage. Two oversized bedrooms include a serene primary suite with walk-in closet and updated bath. Additional highlights include a flexible den or sitting area, full-size laundry room with abundant pantry storage, two covered parking spaces in gated parking area, and private storage. Enjoy the Skyline lifestyle with private beach access, and recreational pickleball courts, with Washington Park’s scenic walking trails, marina, beaches, and forested shoreline just minutes away. HOA dues include cable, water, sewer, garbage, lawn care, and common-area maintenance with recent exterior paint. This "owner occupied only" building with elevator gives you with security and piece of mind.

1800 Skyline Way Unit #306, Anacortes

Listing courtesy of Lapis Homes.

$2,200,000
4 Beds ⋅ 5 Baths ⋅ 2550125 MLS ⋅ ACTIVE Status
First time on the market, this timeless Anacortes residence captures the essence of elevated island living with sweeping 180-degree views of the islands and sound from one of the area’s luxury home neighborhoods. Classically designed and beautifully sited on a mature 0.38-acre hillside lot, the home offers over 5,000 sq. ft. of thoughtfully planned living space with a graceful main-level layout, generous gathering areas, and view-oriented rooms that make everyday living feel exceptional. The main floor features the primary suite, living room, kitchen with eating space, dining room, den + office, guest suite that can function as a second primary, bonus/craft room with laundry room, and mudroom with easy access from the upper covered carport -- creating ease, comfort, and flexibility. The lower level expands the lifestyle with a spacious rec room and additional guest spaces. Oversized garage that fits 3 cars (2 Bay Doors) with additional storage + boat or RV storage. This home is ideal for hosting, hobbies, or multi-generational living. Outside, established landscaping creates a sense of privacy and permanence, with covered secret garden spaces that invite quiet morning coffee, sunset conversations, and year-round enjoyment of the view. A rare offering with timeless character, mature grounds, and an irreplaceable Anacortes setting.

1608 Georgia Place, Anacortes

Listing courtesy of Lapis Homes.

$1,044,040
3 Beds ⋅ 4 Baths ⋅ 2564384 MLS ⋅ ACTIVE Status
Brand new custom home with breathtaking water views at a price that's hard to beat. Perched to capture sweeping views of the bay, sound, and surrounding scenery, this thoughtfully designed home combines comfort, quality craftsmanship, and timeless design. As you enter, you'll be welcomed by an open-concept floor plan with soaring ceilings, abundant natural light, marble countertops, high-end custom cabinetry, and quality finishes throughout. The main floor also features a dedicated office or bonus room, along with a spacious covered deck that's perfect for relaxing or entertaining while taking in the spectacular views. Every bedroom includes its own private ensuite bathroom, providing comfort and privacy for family and guests alike. The impressive primary suite offers stunning panoramic views, a 5-piece bathroom, an oversized walk-in closet, and a private covered balcony where you can enjoy breathtaking 180-degree vistas morning and night. Car enthusiasts and hobbyists will appreciate the oversized 1,692-square-foot three-bay garage, complete with ample room for vehicles, storage, toys, or a workshop. This is a rare opportunity to own a brand new custom home that offers incredible views, thoughtful design, quality craftsmanship, and exceptional value. Be sure to check out the virtual tour video, then schedule your private showing to experience everything this home has to offer in person.

3706 W 3rd Street, Anacortes

Listing courtesy of NextHome 365 Realty.

$565,000
2 Beds ⋅ 1 Baths ⋅ 2563291 MLS ⋅ ACTIVE Status
Enjoy peaceful water views and the sweet smell of the salt water breeze from this charming single-story 2-bedroom, 1-bath beach house on a spacious fully fenced 0.30-acre lot surrounded by mature trees for privacy. Recently updated siding and windows, raised garden bed, fruit trees, detached shop/garage, covered RV pad, garden shed and 3 covered carports add to its appeal. Ideal as a full-time residence, vacation getaway, or investment with potential for a larger homesite (buyer to verify). Conveniently located near the San Juan Islands, Whidbey Island, LaConner, Bow/Edison, with quick access to I-5. Golfing and the nearby Tommy Thompson trail can be easily accessed for biking, walking, or running along the waterfront to Anacortes. This property is a wonderful blend of privacy, views, and convenience!

13210 Satterlee Road, Anacortes

Listing courtesy of Brown McMillen Real Estate.

$1,375,000
4 Beds ⋅ 3 Baths ⋅ 2562825 MLS ⋅ ACTIVE Status
At the end of a winding lane through the madronas on Fidalgo Islands' Biz Point, a European styled storybook home rises from its bluff above Burrows Bay, 95 feet of midbank waterfront below and quiet woodland at its back. Step into the great room, let the walls of glass stop you, and catch your breath: water and sky framed like a painting that never repeats itself. The bay writes its own music, sealssounds at low tide, otters in the surf, eagles cry overhead, and blue herons working the tideline like they own it. Up top, rooftop access holds the promise of starlit evenings over the bay. This home is what fairy tales are made of, a 2020 top-to-bottom remodel brought a modernized kitchen with granite countertops and updated appliances, refreshed bathrooms, updated flooring, paint, doors and trim, a high-efficiency heat pump with wifi thermostat, and smart switches throughout, plus newer roof, gutters, exterior windows and doors, blinds, covered porch, and upgraded septic and water lines. Down the road, the community dock and beaches wait, and beyond them your own mooring buoy, permitted for vessels up to 40 feet, your launch point for the San Juan Islands. Extensive decking, and a seclude circular drive, complete near half an acre where goldfinches, quail, and multitudes of native birds turn every morning into a birder's paradise. Minutes from downtown Anacortes, its marinas, restaurants, and small-town warmth. Come find your happily ever after... write your next chapter here.

13887 Polaris Point Lane, Anacortes

Listing courtesy of RE/MAX Gateway.

$895,000
3 Beds ⋅ 2 Baths ⋅ 2547691 MLS ⋅ ACTIVE Status
Turnkey single-level view home with RV parking and a two-car garage, centrally located minutes from downtown Anacortes. Experience convenient one/main-level living in Anacortes at 1810 Island View Place, a Northwest Contemporary rambler designed to showcase stunning views of the city, islands, mountains, and Puget Sound from its bright, open spaces. This 3-bedroom, 2-bathroom home is set on a 0.27-acre lot in central Anacortes and offers approximately 2,317 square feet of living space. Inside, you'll find vaulted ceilings, hardwood floors, a cozy gas fireplace, a dining room, and a kitchen with eating space. The serene primary suite features an attached bathroom and a walk-in closet. The home's layout is designed for easy living, with the entry, great room, kitchen, dining area, primary bedroom, and utility room all located on the main level. Enjoy seamless indoor-outdoor living with a deck, patio, garden space, partial fencing, and RV parking. Additional features include an attached 2-car garage, 2 year old furnace with electrostatic filter, new interior paint and carpet, available gas service, high-speed internet, double-pane windows, a built-in vacuum system, and an on-demand water heater. Meticulously maintained by current owner on a manageable lot in a central location, with access to city utilities. Close to downtown Anacortes, Anacortes Pool, parks, and trails, making it an ideal blend of views, functionality, and easy living.

1810 Island View Place, Anacortes

Listing courtesy of Lapis Homes.

$625,000
3 Beds ⋅ 2 Baths ⋅ 2555657 MLS ⋅ ACTIVE Status
Fantastic Newly Remodeled Modern Cottage Farmhouse in Downtown Anacortes. This charming home sits near the Marina and is just minutes to the San Juan Islands Ferry, opening up a whole new world to explore. This super cozy and inviting home is perfect for relocation and/or downsizing into a comfortable space. Complete remodel down to the studs with High Efficiency Heat Pump for heating and air conditioning, all New Electrical and all New Plumbing with a High Efficiency Tankless Hot Water System for hot water on demand. The modern design and finishes in this Cottage Home are those that are featured in New Construction Homes built by Chrysalis Homes LLC in both Kirkland and Everett. Beautiful White Shaker Cabinets with Matte Black Hardware throughout the home. Modern Quartz Countertops add a touch of elegance. Three Panel Doors with New Door Trim and New Baseboard Trim. The Waterproof LVP Flooring is both gorgeous and extremely durable. Modern Shower Surrounds and Backsplashes. New Energy Efficient Appliances, including a Full Size Stacked Washer and Dryer for added convenience. The Cooking Range, Dryer and Water Heater all run on Natural Gas for even more added Energy Efficiency! New Double Paned Windows throughout. Private Spacious New One Car Garage too! With a New Nearby Marina Project being built soon, this home makes for a fantastic investment. Come see this Charming and Well Built Modern Cottage Farmhouse!

814 26th Street Unit #1, Anacortes

Listing courtesy of Hallmark Realty.

$559,000
3 Beds ⋅ 2 Baths ⋅ 2561186 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated 3-bedroom, single-level residence offering comfort, convenience, and peace of mind both inside and out. Filled with natural light, the open-concept living, dining, and kitchen create an inviting space for everyday living and entertaining, while stunning Mt Baker views from the living room provide a picturesque backdrop year-round. Major system updates mean you can move in with confidence, including newer roof, furnace, hot water tank, and appliances. The crawl space has been thoughtfully improved with fresh insulation, new vapor barrier, updated vents, and access door, while the home's plumbing has been upgraded with updated sewer lines to eliminate the original cast iron waste lines and repiped with ABS, providing exceptional long-term value and peace of mind. Step outside to a large, fully fenced backyard with plenty of room for entertaining, gardening, pets, or play, plus the convenience of an attached garage for parking and additional storage.Ideally located in the heart of Anacortes, you'll enjoy easy access to schools, shopping, dining, and excellent healthcare. Outdoor enthusiasts will appreciate being just blocks from the off-leash dog park and the Anacortes Community Forest Lands (ACFL), offering nearly 3,000 acres of protected forest, scenic lakes, and more than 50 miles of trails for hiking, biking, and exploring. With thoughtful updates, beautiful views, and an unbeatable location, this home is ready for its next chapter.

1505 39th Street, Anacortes

Listing courtesy of Windermere RE Whatcom, Inc..

$885,000
3 Beds ⋅ 1 Baths ⋅ 2512606 MLS ⋅ ACTIVE Status
This incredibly unique, updated Old Town home is rich with charm and character. The expansive living room makes a memorable first impression, evoking the elegance of another era, while the spacious dining room is perfectly suited for hosting festive gatherings and holiday celebrations. An oversized hallway connects all three bedrooms and the charming bathroom, enhancing the home’s simplistic, yet grand layout. The bright, open kitchen was thoughtfully designed with period-inspired details and overlooks the beautifully maintained backyard — a private, quiet, sun-filled oasis offering exceptional peace and seclusion. A rarely available oversized detached two-car garage also features a workshop, complete with its own subpanel. Major updates include a new roof, all new windows, updated wiring, flooring, paint, and more. A rare opportunity to own a predominantly one-level home in one of Old Town’s most sought-after and desirable locations.

1707 8th Street, Anacortes

Listing courtesy of Windermere Real Estate GH LLC.

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