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

$829,000
3 Beds ⋅ 2 Baths ⋅ 2573663 MLS ⋅ ACTIVE Status
Meticulously updated single-level living in Anacortes' desirable Clearidge neighborhood! This 3 bedroom, 1 & 3/4 bath home plus a bonus annex/office with loft sits on a large private, fully fenced cul-de-sac lot wrapped in mature landscaping and raised garden beds. Vaulted living room features a rebuilt gas fireplace with new surround; engineered Acacia hardwood flows throughout, and every door (including pocket doors), baseboard, and window trim in the home is new. The open kitchen boasts stone counters, a large island, stainless appliances, a new backsplash, updated pantry, and instant hot water at the sink. The primary suite was reconfigured for privacy with its own bath entry, new vanity, sink, and towel warmer; two additional bedrooms share an updated hall bath. Fresh paint throughout. Venture outside to a rebuilt, reinforced deck with TimberTech decking, new railing, and handrails, showcasing a Hot Springs 5-seat hot tub with chaise lounge under a covered pergola making this a true backyard retreat overlooking the spacious grassy lawn, fenced yard, perfect for entertaining. The detached office/annex offers insulated, finished flex space with a loft, ideal as a guest suite, studio, or home gym. Additional highlights: new water heater, new sump pump, alarm system with glass-breakage monitoring and exterior cameras, 2-car garage with built-in workbench and shelving, plus a gated side pad for RV/boat parking. Truly move-in ready!

4603 San Juan Avenue, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$1,265,000
3 Beds ⋅ 4 Baths ⋅ 2573198 MLS ⋅ ACTIVE Status
Set on a fully professionally landscaped acre in the Whistle Lake area, this custom craftsman home pairs real privacy with high-end finishes. Mature evergreens screen the property, and stacked stone walls terrace the yard toward a manicured lawn. Inside, the flexible floor plan includes three bedrooms, an office & two separate living areas. Vaulted ceilings, exposed fir timbers & wide-plank hardwood define the main living space, centered on a gas fireplace flanked by french doors to the patio. A second sitting room offers additional gathering space, and a bonus room off the kitchen and living room entry to use as a home office. The fully remodeled kitchen features leathered granite counters, glass-front cabinetry, and top of the line Cafe' appliances including a gas cooktop, double wall ovens, and a wine fridge, opening to a dining room. The primary suite offers a bay-window sitting nook, walk-in closet & spa-style bath with dual vanities, a jetted soaking tub, and separate walk-in shower, plus private french-door patio access. Outdoors, a 3-tier waterfall feeds a garden pond that's overlooked by the relaxing cedar pergola that shelters the hot tub. A garden shed & RV/boat parking add utility. Beyond the oversized attached two-car garage is a detached three-car garage which offers a half bath, built-in workbench & full attic storage above. Morning coffee on the patio, evenings by the fire, weekends in the shop-this property gives every part of the day its own place to happen.

11059 Carmichael Lane, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$549,000
3 Beds ⋅ 2 Baths ⋅ 2572706 MLS ⋅ ACTIVE Status
Sweetheart of a single-level rambler on a beautifully landscaped lot with level front and back lawn areas, mature plantings, rhododendrons & graceful shade tree. Inside, an inviting entry opens to a bright living room anchored by a gas fireplace with a warm wood mantel, framed by a picture window that looks out over the greenery beyond. Rich wood-look flooring carries through the main living spaces, giving the home a warm, cohesive feel. The eat-in kitchen is full of character, with wood cabinetry, gas range and a slider that opens directly onto the deck that is perfect for morning coffee or evening meals outside. A second bank of built-in cabinetry nearby adds excellent bonus storage for pantry, baking space, or coffee nook. Down the hall are 3 bedrooms including a private primary suite with a walk-in closet and attached 3/4 bath, plus two additional bedrooms sharing a full hall bath. Fresh flooring and paint throughout keeps the whole home feeling move-in ready. Outside offers a fully fenced, park-like backyard shaded by established fruit trees and mature hedging that gives the entire yard a true sense of seclusion backyard retreat. An attached 2-car garage completes the package. Location is the icing on the cake: this home sits in an established neighborhood just minutes from the Anacortes Community Forestlands trails + lakes, downtown, marina and waterfront, schools and parks - the best of small-town island living, all within easy reach.

3801 37th Drive, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$1,211,000
3 Beds ⋅ 3 Baths ⋅ 2572138 MLS ⋅ ACTIVE Status
NOW OFFERED AT A COMPELLING NEW PRICE, this beautifully renovated Gibraltar Road home presents an exceptional opportunity to enjoy breathtaking, unobstructed views of Puget Sound, Whidbey Island and the surrounding mountains that take center stage at this 2,700+ sq. ft. home on a full acre. Along sought-after Gibraltar Road, a private paved driveway welcomes you to a peaceful retreat where privacy, space and spectacular scenery come together. Thoughtfully updated throughout, the home features new luxury vinyl plank flooring and carpeting, fresh interior paint, all-new lighting, beautifully remodeled bathrooms and a completely redesigned kitchen with new cabinetry and quartz countertops. The main living area has been opened up offering an open concept great room that really hits the mark. The fully finished lower level includes a convenient kitchenette, providing flexible space for guests, multigenerational living, entertaining or a private retreat. Step onto the expansive deck and enjoy sweeping water and mountain views that create an unforgettable backdrop for relaxing or gathering with friends. Additional improvements include new garage doors and brand-new 50-year roofs on both the home and detached garage. Private, spacious and truly move-in ready, this exceptional property offers the rare opportunity to experience the very best of Pacific Northwest living. Welcome Home!

15210 Gibralter Road, Anacortes

Listing courtesy of Keller Williams Rlty Bellevue.

$742,500
3 Beds ⋅ 2 Baths ⋅ 2568861 MLS ⋅ ACTIVE Status
Experience the best of Pacific Northwest coastal living in this inviting one-level home, located in Skyline, one of Anacortes' most sought-after waterfront communities. This home features 3 bedrooms, 2 bathrooms, vaulted ceilings, skylights and a cozy gas fireplace, newer planked flooring, fresh paint and updated bathrooms, everything is ready! The open living, dining and kitchen areas offer a warm and welcoming gathering space. The cozy sitting area with gas fireplace is the perfect spot to read or enjoy a freshly brewed cup of coffee! Convenient and efficient kitchen with stainless appliances, tile counters and adjacent breakfast nook. The primary bedroom offers lovely ensuite bathroom, walk in closet plus a secondary closet for an abundance of storage. Generous utility room conveniently located right off the well lit 2 car garage. The fully fenced backyard with patio and firepit provides privacy for outdoor entertaining, gardening, or pets. Life here extends far beyond your front door. Enjoy exclusive community amenities including private beaches, waterfront cabana, beach club, parks, sports courts and beaches. Washington State Ferries and beautiful Washington Park are just minutes away. Ideally situated on a spacious, sunny corner lot across from all the activities. This home has been lovingly maintained with pride of ownership and is ready for you to call it your own!!

6157 Parkside Drive, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$1,095,000
3 Beds ⋅ 2 Baths ⋅ 2571179 MLS ⋅ ACTIVE Status
Panoramic water, island and mountain views take center stage at this beautifully positioned single-level home in Anacortes. Thoughtfully designed to capture the setting, the 2,146 sq ft floor plan offers 3 bedrooms, 2 baths and easy one-level living with expansive windows that bring the scenery into the main living spaces. The large kitchen and living areas flow naturally to a spacious view deck—an ideal place for morning coffee, sunset dinners or simply taking in the changing marine landscape. The primary suite provides a comfortable retreat, while two additional bedrooms offer flexibility for guests, office space or hobbies. Outside, the fenced backyard is framed by mature landscaping and a privacy hedge, creating a private setting for relaxing or entertaining. A 3-car garage provides valuable room for vehicles, storage and recreation gear, and fresh exterior paint completed in July 2026 adds to the move-in-ready appeal. Enjoy private beach access and a kayak launch for an added connection to the water. With dramatic views, single-level convenience, generous garage space and sought-after shoreline amenities, this home offers a distinctive Fidalgo Island lifestyle at an exceptional new value.

6404 Warren Street, Anacortes

Listing courtesy of Lapis Homes.

$975,000
3 Beds ⋅ 3 Baths ⋅ 2570338 MLS ⋅ ACTIVE Status
Welcome to a bright and inviting home designed for easy living and entertaining. The open floor plan is filled with natural light from abundant windows and opens to a wraparound Trex deck, perfect for enjoying the outdoors. The main-level primary suite features an attached den and a cozy double-sided gas fireplace. The lower level offers a spacious family room, additional bedrooms, wet bar, laundry, and an impressive amount of flexible finished space for a media room, gym, yoga studio, hobbies, or additional sleeping areas. Huge storage areas provide plenty of room for everything else. Laundry is conveniently located on both levels. Just a 5-minute walk to the beach and Washington Park, with a gravel pathway accessible directly from the lower yard. Major updates include a 50-year composition roof installed in 2023 and exterior paint completed in 2024.

2618 Washington Boulevard, Anacortes

Listing courtesy of RE/MAX Gateway.

$1,090,000
3 Beds ⋅ 3 Baths ⋅ 2570371 MLS ⋅ ACTIVE Status
Own a piece of Old Town history. This lovingly updated early 1900's craftsman seamlessly pairs original character with modern comfort, just blocks from the marina, downtown & waterfront. Timeless details include a restored wood staircase, classic craftsman trim, exposed wood beams, original wood flooring & charming built-in window seat nook. Out front, a covered porch with river-rock accents, cedar shake siding and gabled dormers offers classic curb appeal. The main level offers inviting living and dining spaces alongside an updated kitchen with rich cabinetry, granite countertops, stainless steel appliances, a walk-in pantry, a dedicated laundry room & a convenient half bath, plus direct access to a private outdoor retreat. A covered pergola patio, built-in hot tub, mature perennial gardens and a fully fenced, beautifully landscaped yard create an exceptional setting for year-round entertaining. Upstairs, the spacious primary suite captures water views & features a soaking tub, tiled walk-in shower, dual vanity and two closets, including a custom-organized walk-in. Two additional bedrooms, each with their own closet, share a 3/4 bath, while the third-floor bonus room provides flexible space for an office, studio, rec room or guest retreat. Completing the property is a detached two-car garage and a location just minutes from local shops and restaurants. A rare opportunity to own a beautifully preserved piece of Anacortes history in one of the most sought-after neighborhoods.

1118 4th Street, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$649,000
2 Beds ⋅ 2 Baths ⋅ 2570096 MLS ⋅ ACTIVE Status
Your cottage by the sea awaits! This enchanting Fidalgo Island retreat offers sweeping sparkling water views of Similk Bay and overlooks a 17 acre salt water pocket estuary. Enjoy morning strolls on the beach or an afternoon of kayaking and bird watching! This 2 bedroom, 1.5 bath home offers a true coastal lifestyle perfect for a vacation retreat, short term rental or full time residence. Savor the views from the cozy living room or step outside to the spacious deck and enjoy your morning coffee while watching the sunrise over Similk Bay. The sun splashed kitchen with skylight that floods natural light offers plenty of counter space & cabinetry storage. The lower level bonus room makes a perfect home office or craft room. All new LVP flooring throughout the main level and new carpet upstairs. Ample parking & room for RV or boat parking. Brand new septic system installed in 2021. Excellent location just minutes from downtown Anacortes and nearby Deception Pass & Whidbey Island. Come live the dream this idyllic coastal escape offers!

13327 Satterlee Road, Anacortes

Listing courtesy of RE/MAX Gateway.

$625,000
3 Beds ⋅ 2 Baths ⋅ 2557976 MLS ⋅ ACTIVE Status
Charming rambler in desirable Skyline neighborhood. Convenient main level living with 3 bedrooms, 2 baths. Kitchen with eating space and moveable island, opens to dining room/living room combination. Cozy gas log fireplace in living room. Off of kitchen is a spacious backyard with deck, ample gardening space, terraced garden area, sprinkler system and 2 storage sheds. 2 car garage with ample storage. Home has cedar siding. RV parking. Come take a look!

4707 Glasgow Way, Anacortes

Listing courtesy of Windermere RE Anacortes Prop..

$2,150,000
5 Beds ⋅ 5 Baths ⋅ 2566261 MLS ⋅ ACTIVE Status
Experience exceptional Northwest living at The Pointe, where luxury, privacy, and thoughtful updates come together. This beautifully appointed home offers top-floor living with four fireplaces, a private primary deck, and a spacious primary bath featuring a jetted tub and fireplace. The kitchen showcases granite countertops and stainless steel appliances, while recent hardwood floors add warmth and elegance to the den. Four new decks were added in 2020, complemented by a new 50-year roof in 2021 and two new 50-gallon water heaters. Enjoy peace of mind with a generator, hot water recirculating system, sprinkler system, and beautifully illuminated driveway. All bedroom closets feature built-in organization systems for effortless storage. The three-car garage includes built-in cabinetry for added convenience. The fully finished basement offers a private, self-contained apartment with its own private entrance and separate parking space, providing excellent flexibility for guests, extended living, or additional living accommodations. Outdoor amenities are truly special, with a private boat launch at Biz Point and private beach rights at Alexander Beach. Located in The Pointe with Del Mar HOA, this exceptional property offers a rare combination of comfort, privacy, flexibility, and a coveted Northwest waterfront lifestyle.

11746 McCorkle Place, Anacortes

Listing courtesy of RE/MAX Gateway.

$899,900
3 Beds ⋅ 3 Baths ⋅ 2569247 MLS ⋅ ACTIVE Status
Experience life at Portalis, where breathtaking panoramic views of Guemes Channel, the San Juan Ferry, and spectacular island sunsets take center stage. This exceptional three-level townhome is designed to showcase the ever-changing waterfront scenery from multiple living spaces.Enjoy carefree living with a gourmet granite and stainless-steel kitchen, granite and tile bathrooms, hardwood floors, and upscale finishes throughout. The open-concept kitchen, dining, and living area with a cozy gas fireplace is perfectly positioned to capture the stunning water views. The spacious covered deck off the living room offers a relaxing space to entertain, barbeque, and enjoy watching the ferry and boat traffic in the Guemes Channel. The spacious primary suite with ensuite bath, as well as two guest bedrooms, and two additional full baths offer comfort and flexibility. The huge lower-level guest bedroom offers many possibilities (ideal for a MIL suite)!The third-level loft/studio provides an incredible vantage point for watching ferries glide across the channel and taking in unforgettable sunsets. Complete with an oversized two-car garage, this home is just a short walk to the beach, Ferry dock, and Washington Park. A rare opportunity to own a premier view home in one of Anacortes' most desirable waterfront locations. Some listing photos virtually staged.

4815 Portalis Way, Anacortes

Listing courtesy of Coldwell Banker 360 Team.

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