Bainbridge Island Homes with FHA Terms

Bainbridge Island Homes with FHA Terms

Bainbridge Island: A Charming Retreat in Washington State

Nestled in the picturesque state of Washington, Bainbridge Island is a hidden gem that offers the perfect blend of natural beauty, small-town charm, and modern amenities. Located in Kitsap County, this idyllic island is a sought-after destination for those seeking a peaceful and scenic place to call home.

Bainbridge Island is renowned for its stunning landscapes, with lush forests, rolling hills, and breathtaking waterfront views. The island boasts an abundance of outdoor recreational opportunities, including hiking trails, parks, and beaches, making it a haven for nature enthusiasts and outdoor adventurers.

Aside from its natural beauty, Bainbridge Island also offers a vibrant downtown area, filled with unique shops, art galleries, and award-winning restaurants. The island's strong sense of community is evident in its numerous community events and festivals that bring residents together throughout the year.

For those looking to purchase a home on Bainbridge Island, the availability of FHA terms makes it an even more attractive option. FHA loans provide flexible financing options, making it easier for buyers to qualify and secure their dream home. Whether you're a first-time buyer or looking to upgrade your current residence, Bainbridge Island offers a range of housing options to suit every lifestyle and budget.

With its serene surroundings, thriving community, and the convenience of FHA terms, Bainbridge Island presents a unique opportunity for homebuyers to experience the best of Washington State living. Discover the beauty and tranquility of this charming island and make it your forever home.

Newest Bainbridge Island Homes with FHA Terms

$1,999,995
5 Beds ⋅ 4 Baths ⋅ 2571394 MLS ⋅ ACTIVE Status
Set in the serene Baker Hill area of Bainbridge Island, this home offers a spacious and private retreat surrounded by the natural beauty of the Pacific Northwest. Built in 2001, by Windward Construction, this substantial 5-bedroom, 3.5-bath home provides 4100 square feet of living space on a well-manicured 1.23-acre lot. This home is filled with natural wood, solid surfaces and windows that flood the space with natural light. The property's wooded surroundings provide a sense of seclusion while still placing you within easy reach of Bainbridge Island's many amenities. The Sundance Lane neighborhood is characterized by large parcels and established homes, offering a beautiful view of Rich Passage. Inside, the home's generous footprint offers flexibility for a variety of lifestyles, with five bedrooms providing options for guests. The attached ADU allows for flexible multi-generational living. The combination of substantial living space and a large lot make this property especially appealing to buyers seeking privacy without sacrificing convenience. This home presents an opportunity to enjoy the island lifestyle in a tranquil, spacious setting—surrounded by trees, nature, and the distinctive character of one of Puget Sound's most sought-after communities.

6510 NE Sundance Lane, Bainbridge Island

Listing courtesy of Better Properties Kitsap.

$1,524,800
4 Beds ⋅ 4 Baths ⋅ 2573570 MLS ⋅ ACTIVE Status
Nestled in the heart of Bainbridge Island, this spacious and inviting home offers exceptional living just a 5-minute walk from the beach at Hawley Cove Park and a simple 10-min walk to the ferry terminal. This is island living at its most effortless. Step inside to generous and open living spaces designed for everyday life and special occasions alike. With four bedrooms and three and a half baths, there’s room for everyone. A private retreat for guests, with a layout that flows naturally from one space to the next. Outside, a fully fenced yard wrapped in lush, mature landscaping offers privacy and a peaceful backdrop for morning coffee, weekend gardening, or watching pets roam free. Practicality meets convenience with a sizable 2-car garage featuring an electric car charger, and a generous driveway with plenty of extra space for guests, toys, or a boat. Outside your front door, Bainbridge Island living in the Wing Point neighborhood means walkable downtown Winslow charm, award-winning wineries, quiet forest trails, and an easy ferry ride to Seattle when the city calls. The Wing Point Golf & CC is just around the corner. The home is wired for a generator, has a new roof & newish HVAC. An 8x10 shed covers your extra storage needs. The patio off the large downstairs bonus room is wired and ready for a hot tub. A sprinkler system provides full coverage to your beautiful grounds. This is more than a house, it’s a perfect place to enjoy life!

506 Azalea Avenue NE, Bainbridge Island

Listing courtesy of COMPASS.

$795,000
2 Beds ⋅ 2 Baths ⋅ 2571575 MLS ⋅ ACTIVE Status
Experience the best of island living at The Walk, where mornings begin with a stroll for coffee, afternoons invite exploration of nearby shops, trails and the waterfront, and evenings are made for dinner in the heart of Winslow. With a Walk Score of 80, the Seattle ferry, farmers market and everyday essentials are just moments away - ideal for Seattle commuters and enjoying the city’s dining, arts and entertainment. At home, a beautiful courtyard with shared gardens creates a welcoming sense of community, while a private outdoor space offers a peaceful place to dine or unwind. The open kitchen is thoughtfully arranged for cooking and entertaining, with quartz countertops, stainless steel appliances and a generous pantry. Generously scaled bedrooms, polished concrete floors, fresh paint and new carpet add comfort and character. Solar panels help offset electricity costs, while energy-efficient ICF construction provides excellent insulation and temperature stability - helping reduce heating and cooling needs and support lower ongoing energy expenses. A low-maintenance exterior, exterior storage, covered bike storage and dedicated parking add lasting ease. Discover a lifestyle where small-town charm, outdoor beauty and an easy connection to Seattle come together.

519 Madrona Avenue NE Unit #4, Bainbridge Island

Listing courtesy of COMPASS.

$1,490,000
3 Beds ⋅ 3 Baths ⋅ 2570492 MLS ⋅ ACTIVE Status
A fresh take on modern living! This newly completed 3-bedroom home combines style, sophistication, and a deep connection to nature. Enjoy a bright, open-concept design with smart appliances, dramatic walls of glass, and picturesque evergreen views across 4.7 acres bordering local trails. The main living spaces flow effortlessly onto two generous entertainment decks, while a Butler's pantry with wine refrigerator adds convenience and luxury.  Retreat to the enchanting tree-top primary suite featuring a spa-inspired bath and private deck. Complete with a ground-floor lounge, finished 2-car garage, and extraordinary custom finishes throughout, this home delivers a unique and unforgettable living experience. Beyond your private oasis, discover the best of Bainbridge Island living. Explore charming artisan boutiques, cozy cafés, the beloved historic Lynwood Theatre, and the waterfront beauty of Pleasant Beach, all just minutes from your doorstep.

10399 NE Pine Way, Bainbridge Island

Listing courtesy of Windermere RE Bainbridge.

$798,000
2 Beds ⋅ 2 Baths ⋅ 2563412 MLS ⋅ ACTIVE Status
A single-family home in Winslow for under $800,000?! Welcome to the Grow Community, a 5-Star Built Green, One Planet Living® community. Here neighbors share eight acres of park-like landscaping with organic garden beds and trails filled with blueberry bushes and fruit trees. This 2013 home (one of only 17) has a light-filled downstairs with plentiful kitchen and under-stairs storage. Also offers western facing deck, guest bathroom, and cork floors. Two bedrooms up with full bathroom, laundry and vaulted ceilings. The low-footprint, compact lifestyle includes community space and events close downtown Winslow and the ferry. Storage sheds, bike barns, EV charging, a guest cottage, and solar panels ($8 energy bills!) add to the livability.

449 Sprout Path NW, Bainbridge Island

Listing courtesy of Lake & Company.

$760,000
3 Beds ⋅ 1 Baths ⋅ 2561405 MLS ⋅ ACTIVE Status
Perfect one-level home with a mix of trees and sunshine, with plenty of gardening space. A very generous lot with room to add a play area or possible ADU, or ? This adorable home has easy access to Rolling Bay restaurants and shops, Fay Bainbridge Park and is located mid-island for both north and south access. Cozy wood-burning fireplace, large windows, sliding doors to private patio and fenced backyard. Attached garage makes unloading groceries right into the kitchen a breeze! The very large, deep 2-stall garage also includes a large workbench and is perfect for home projects. Off-street parking accommodates 3 or more vehicles and makes for entertaining friends effortless. Darling chicken coop conveys!

12249 N Madison Avenue NE, Bainbridge Island

Listing courtesy of COMPASS.

$949,950
3 Beds ⋅ 3 Baths ⋅ 2560864 MLS ⋅ ACTIVE Status
Experience the best of Bainbridge Island living in this beautifully renovated split-level, privately situated on a peaceful 0.81-acre wooded lot. Offering approximately 2,204 sq. ft., this move-in-ready home features 3 bedrooms, 2.5 baths, and a spacious lower-level flex room with a closet, ideal for a home office, guest retreat, media room, fitness studio, or hobby space. Vaulted ceilings and expansive windows fill the home with abundant natural light, creating a bright, open atmosphere throughout. The stunning updated kitchen showcases quartz countertops, contemporary cabinetry, stainless steel appliances, and a seamless flow into the dining and living areas—perfect for entertaining and everyday living. Multiple gathering spaces, stylishly updated bathrooms, and cozy fireplaces add warmth and functionality throughout. Step outside to the expansive multilevel deck overlooking the peaceful Pacific Northwest landscape, while a scenic trail just across the street provides easy access to outdoor recreation. Additional highlights include an attached two-car garage, generous storage, and a seasonal creek. Ideally located near Blakely Harbor Park, beach access, scenic trails, Winslow,schools, and the Seattle ferry, this turnkey home offers the perfect blend of modern updates, flexible living, privacy, and the sought-after Bainbridge Island lifestyle. Schedule your private showing today!

5755 Blakely Avenue NE, Bainbridge Island

Listing courtesy of John L. Scott, Inc.

$1,050,000
3 Beds ⋅ 3 Baths ⋅ 2561785 MLS ⋅ ACTIVE Status
Enjoy a landscape of mature trees, sun-filled terraces, and peaceful gathering spaces where every season offers something new to enjoy. Tucked away on nearly an acre of private grounds, with a new herringbone paver driveway, this beautifully updated Bainbridge Island retreat is a place to slow down, entertain, garden, and reconnect with nature. Unlike many island properties, this thoughtfully terraced lot is remarkably usable, creating exceptional space to garden, play, entertain, or simply enjoy the privacy of your own park-like setting. Wide stairways connect each level, inviting you to explore the grounds, gather around the fire pit beneath the gazebo, or dream up your next garden project. RV parking with power adds flexibility for guests, hobbies, or your next adventure. Inside, single floor living and almost every aspect of the home has been updated within the past three years, blending modern comfort with timeless warmth. A stunning new living room with radiant heated floors creates an inviting centerpiece for everyday living. Significant infrastructure improvements—including a new electrical panel and a recently upgraded $30,000 four-party well system—provide peace of mind, while the roof is approximately 10 years old. Perfectly balancing privacy with convenience, you're just moments from Blakely Elementary, neighborhood parks and trails, and all the shopping, dining, and ferry access that make Bainbridge Island such a sought-after place to call home.

5769 Blakely Avenue NE, Bainbridge Island

Listing courtesy of Redfin.

$1,850,000
4 Beds ⋅ 4 Baths ⋅ 2557974 MLS ⋅ ACTIVE Status
Set beside Bainbridge Island’s coveted Rockaway Beach with sweeping water views, this one-of-a-kind residence is built around its scenery. Walls of glass and an open, multi-level layout draw in views of Seattle, Puget Sound, the Cascades, and passing ferries. A sculptural staircase and elevator serve as the home's connective core, channeling daylight through every level and linking the spaces with ease. Outside, the top deck invites slow mornings with coffee and eagle sightings overhead, while Rockaway Beach Park sits just steps away. Watch for porpoises and orcas passing through the Sound, or head down to paddle out to Blakely Rock on a calm afternoon. A private sauna and cold plunge add a spa-like retreat to daily life. The ADU studio and loft, accessible via third floor walkway or via the main courtyard, offers independence and flexibility, ready to serve as a guest suite, hangout, rental, or home office. As evening falls, the Seattle skyline comes alive across the water, a view that changes with every hour of the day. Stellar views, thoughtful design, and a location that speaks for itself, this is ideal Bainbridge Island living.

4089 Rockaway Beach Road NE, Bainbridge Island

Listing courtesy of COMPASS.

$770,000
4 Beds ⋅ 2 Baths ⋅ 2557056 MLS ⋅ ACTIVE Status
Rare Potential in Desirable Manzanita Heights! Set on a private 0.39-acre lot, this solid 1960 rambler features expansive tree line and mountain views from a spacious main living room. The functional floor plan offers a private primary bedroom wing with rustic-modern wood paneling on one side, and three secondary bedrooms on the other. The central kitchen is prime for an open-concept remodel to seamlessly blend into the great room and views. Bring your contractor, unlock the views, and capture instant equity. The huge 1,560 sq ft daylight basement already has a finished laundry room and its own separate, completely FLAT 2nd driveway access off Peterson Hill Road. Double your rentable square footage or create a high-dollar multi-generational flip, legal ADU, or premium workshop. Dual-driveway infrastructure is already in place. Plumbing lines easily accessible from the daylight basement for straightforward secondary full-bath addition. Priced well below the island median. Sold As-Is. Offers reviewed upon receipt.

11826 NE Manzanita Lane, Bainbridge Island

Listing courtesy of eXp Realty.

$1,848,000
4 Beds ⋅ 4 Baths ⋅ 2553179 MLS ⋅ ACTIVE Status
Two homes. 3.57 private acres. Endless possibilities. Tucked into Bainbridge Island’s coveted Port Madison area, this rare property offers the freedom to live, gather, invest, and enjoy island life on your own terms. TWO beautifully updated, completely independent homes—each with its own 2-car garage—make this an exceptional opportunity for multi-generational living, an income-producing investment, or a private residential compound. (Approximate rents are $3,800.00 and $3,200.00/month) The spacious main residence offers room to gather, work, play, and entertain, while the separate single-level home provides a stylish and comfortable space for extended family, guests, or tenants. Outside, the possibilities continue: a private sport court, expansive lawn, firepit, patio, charming barn, and plenty of room for gardens, pets, hobbies, or future dreams. Bordering protected open space and the Hidden Cove Trail system, with nearby waterfront access, this is a property where privacy and recreation come naturally. Live in one home and rent the other. Keep everyone close while preserving independence. Or create your own private Bainbridge retreat. Properties offering this combination of land, flexibility, and two move-in-ready homes are exceptionally rare.

9067 Hidden Cove Road NE, Bainbridge Island

Listing courtesy of Windermere RE Bainbridge.

$1,139,000
3 Beds ⋅ 3 Baths ⋅ 2537233 MLS ⋅ ACTIVE Status
Light & bright craftsman home on rare large lot in desirable Fort Ward area of Bainbridge Island. A welcoming front porch introduces you to an inviting & functional floor plan. The home features a main-level primary suite with a luxurious soaking tub, marble floors & surround, a spacious walk-in closet & private retreat-like ambiance. The light-filled great room with expansive skylights showcases soaring ceilings & a cozy fireplace, creating a warm & open gathering space. The well-appointed kitchen offers granite counters, large center island-perfect for everyday living & entertaining. A separate entry area flex space can be utilized as an office, dining, or guest greeting room. Upstairs, two additional bedrooms, a full bath, and a convenient office nook overlook the living area, providing flexible space for guests, work, or hobbies. Thoughtful upgrades include CAT-5 wiring, and a spacious private patio with hot tub for outdoor entertaining & relaxation. The home can be expanded by finishing out a basement for additional space & equity. A standout feature is the detached two-car garage, offering additional flexibility for storage, hobbies, or studio/workspace. The expansive, fully fenced, private lot provides abundant room for gardening, fruit trees, recreation, pets, or simply enjoying the privacy & tranquility. Located in the quaint Fort Ward neighborhood with beach access, trails, park areas and easy access to Lynwood Center, shops, restaurants, and conveniences.

2484 Soundview Drive NE, Bainbridge Island

Listing courtesy of eXp Realty.

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