Bellingham Homes with Conventional Terms

Bellingham Homes with Conventional Terms

Bellingham, a vibrant city located in Whatcom County, Washington, is a fantastic place to call home. Situated in the beautiful Pacific Northwest region of the United States, Bellingham offers a unique blend of natural beauty, outdoor activities, and a thriving community.

Known for its stunning views of the surrounding mountains and the picturesque Bellingham Bay, this city attracts residents and visitors alike with its charm and natural wonders. The city is home to Western Washington University, which contributes to its youthful and energetic atmosphere.

When it comes to real estate in Bellingham, there are plenty of options to choose from. Whether you're looking for a cozy single-family home, a modern condominium, or a spacious townhouse, Bellingham has it all. The city offers a range of housing options to suit different budgets and preferences.

One notable aspect of the real estate market in Bellingham is the availability of homes with conventional terms. This means that buyers can find properties with traditional financing options, making it easier to secure a mortgage and purchase a home.

With its stunning natural surroundings, thriving community, and a wide range of housing options, Bellingham is an ideal place to settle down and call home. Whether you're a nature enthusiast, a student, or a professional looking for a welcoming and vibrant city, Bellingham has something for everyone.

Newest Bellingham Homes with Conventional Terms

1 Morning Beach Drive Unit #12, Bellingham
$399,900
2 Beds ⋅ 2 Baths ⋅ 2600378 MLS ⋅ ACTIVE Status
The Ranch House condominium complex lies adjacent to both the Sudden Valley Golf Course, and the shores of Lake Whatcom. This remarkable 2-bedroom single level end unit has previously been updated. Features include: An updated kitchen with raised panel maple cabinets and granite counter tops; kitchen appliances are all stainless steel; newer shower in the guest bathroom; newer vinyl plank flooring; side window with Lake Whatcom view; and newer washer and dryer. Enjoy double fairway views of the golf course and also of Lake Whatcom from this unit. Loads of natural light and a care-free lifestyle. Very easy to show. Expect high-quality exterior improvements throughout the complex as well. Short distance to Morning and Afternoon Beaches (neighborhood waterfront parks on Lake Whatcom). This is a turn-key sale - All furnishings are included in the price. Simply move in and enjoy!

1 Morning Beach Drive Unit #12, Bellingham

Listing Broker: RE/MAX Whatcom County, Inc.; Greg Paul; 360-739-7354; gregpaul@remax.net

700 32nd Street Unit #A202, Bellingham
$199,999
1 Baths ⋅ 2600272 MLS ⋅ ACTIVE Status
With a fresh new price this is the best deal for a condo available! Centrally located studio condo near WWU & downtown Bellingham, the Cypress Condo building is a well run condo association perfect for someone looking for a low-maintenance lifestyle. With new carpet & paint this condo is move in ready! Located in a secured building this second floor unit features a deck to relax, generous size bathroom & functional open kitchen. Enjoy the amenities of the association like the fitness center, bike storage area & common areas. Near bus lines & campus this is perfect for teachers or anyone working in Bellingham. Only in town part time? Lock the front door and leave worry free that your home will be the exact way you left it when you left. Make use of the storage unit for extra space for tools & toys. Condo comes with its own parking space and has additional guest parking on the street.

700 32nd Street Unit #A202, Bellingham

Listing Broker: Keller Williams Western Realty; Ryan Greigg; 206-227-5487; ryangreigg@kw.com

4039 Todd Lane, Bellingham
$225,000
3 Beds ⋅ 3 Baths ⋅ 2599950 MLS ⋅ ACTIVE Status
*Low Income Buyers* this is your chance to buy a brand-new 1,033 sq ft, 3 bdrm, 3 bath townhome in Bellingham. It's built to high energy-efficiency standards with mini-splits and ERV ventilation systems. The open floor plan on the main level allows for flexible living. The Telegraph Townhomes is a community being built by Kulshan Community Land Trust. Low income buyers must first qualify for the KulshanCLT program before viewing the home. Subject to income, occupancy and resale restrictions with limited equity formula.

4039 Todd Lane, Bellingham

Listing Broker: Hammer Properties NW Inc.; Nikki Quinn; 360-756-6500; nqhammer@gmail.com

1627 Jills Court Unit #1-2, Bellingham
$525,000
1 Baths ⋅ 2600215 MLS ⋅ ACTIVE Status
Premium industrial/storage condominium in a highly desirable Irongate RediSpace. This double-unit offers exceptional functionality, security, was highly upgraded by the original owner and is a rare end unit. Features include professionally finished epoxy floors, custom interior paint, enhanced lighting throughout, dual heaters for year-round comfort, a wall-mounted organizational system, and a full security system with cameras. Built with quality steel construction and low-maintenance metal roofing, this gated community provides secure 24/7 access with extra-wide 70-foot drive aisles for easy maneuverability. Additional features include large 14x14 overhead doors with windows and automatic openers, vaulted ceilings, 100-amp 3-phase power, ADA restroom access, wired communications, and a personal mailbox. A rare opportunity to own a turnkey industrial condo ideal for storage, recreation, business use, or hobby space.

1627 Jills Court Unit #1-2, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Chet E. Kenoyer; 360-303-1450; chet@chetkenoyer.com

14 Granite Circle, Bellingham
$29,000
2600127 MLS ⋅ ACTIVE Status
Up-sloping residential property located in the lakeside and golf course community of Sudden Valley. The property is located on a very nicely developing street, with new homes on both sides of the road. Very gentle access from Granite Circle onto the property. The property is up-sloping making it conducive for a 2-story home with the garage down. There are green-belted lots (owned by the community) located on both sides of this property - providing loads of "elbow room" from other homes. It's fairly easy to find the property corner's, of 14 Granite Circle, as previous survey pins are still in. Purchase now and submit house plans this spring for a new home start next summer!

14 Granite Circle, Bellingham

Listing Broker: RE/MAX Whatcom County, Inc.; Greg Paul; 360-739-7354; gregpaul@remax.net

8 Shooting Star Court, Bellingham
$829,000
4 Beds ⋅ 4 Baths ⋅ 2599827 MLS ⋅ ACTIVE Status
Brand-new Northwest contemporary in Sudden Valley. Tucked away on a quiet, secluded street surrounded by evergreens, this home is finished with quality and style throughout. A sunny, open-to-below living room with a striking fireplace leads into a chef-inspired kitchen featuring a premium SKS appliance package with a 48" refrigerator and induction cooktop, quartz countertops, elegant brass accents, and custom lighting. The primary suite offers a heated bathroom floor, freestanding tub, oversized custom shower, custom closet, and its own fireplace. Quality construction includes spray-foam insulation, Douglas Fir framing, ductless heat pump with HRV, central vacuum, custom closets, and an insulated, epoxy-finished garage. The home is also pre-wired for a hot tub, generator, security cameras, and EV charging. Enjoy nature right outside your door, with Stimpson Family Nature Reserve, Lookout Mountain, and Galbraith trails nearby, plus Sudden Valley's beaches, marina, golf, pools, and pickleball. Just 10 minutes to Bellingham. Welcome home to 8 Shooting Star Ct.

8 Shooting Star Court, Bellingham

Listing Broker: Sterling Real Estate Group; Slav Pakhnyuk; 360-483-6275; slav.pakhnyuk@gmail.com

13 Wintercress Way, Bellingham
$730,000
3 Beds ⋅ 3 Baths ⋅ 2599680 MLS ⋅ ACTIVE Status
Tucked into the evergreens on a quiet Sudden Valley street, this 2026 Northwest contemporary pairs a peaceful forest setting with a bright and refined interior. The vaulted great room is filled with natural light with tall windows framing the trees and a sleek gas, plaster finished fireplace anchoring the space. The kitchen features quartz counters, custom cabinetry, a large island with seating, Kitchen-Aid stainless steel appliances including a gas range, pot filler, and brass accents. Just off the dining area, a covered deck creates an inviting spot for year-round grilling and evenings surrounded by the evergreen forest. The primary suite is a private retreat with a walk-in closet and spa-inspired bath featuring a freestanding soaking tub, frameless glass shower with illuminated niche, double vanity, and toe kick lighting. The daylight lower level adds a bedroom, office, full bath, and laundry room with sink, offering flexibility for guests, work, or everyday living. LED-lit stairs, matte black accents, and designer lighting add a custom feel throughout. Efficient and future-ready with heat pump heating and cooling, HRV/ERV, hybrid heat pump water heater, EV charging, and generator wiring. The oversized 612 SF garage provides plenty of room for vehicles, storage, or workspace. Enjoy Sudden Valley’s Lake Whatcom beaches, marina, golf, pools, pickleball, parks, and miles of trails, all within easy reach of Bellingham. Welcome home to 13 Wintercress Way.

13 Wintercress Way, Bellingham

Listing Broker: Sterling Real Estate Group; Slav Pakhnyuk; 360-483-6275; slav.pakhnyuk@gmail.com

325 N Forest Street, Bellingham
$1,175,000
3 Beds ⋅ 2 Baths ⋅ 2597730 MLS ⋅ ACTIVE Status
Welcome to this exceptional 1910 home in Bellingham’s highly desirable South Hill neighborhood, where timeless character meets modern comfort and panoramic views steal the show. Enjoy sweeping vistas of Bellingham Bay, the surrounding mountains, and the San Juan Islands, all capped off by spectacular, ever-changing sunsets. Offered for the first time in 41 years, this special home was thoughtfully remodeled in 1998 by Erickson’s Interiors, preserving its original charm, with additional updates to the kitchen and upper-level bathroom in 2022–2023. A true standout is the custom-made leaded-glass door, a prized feature that adds distinctive artistry and historic character. Inside, beautiful fir floors and elegant French doors open to a front sunroom showcasing full water views. The spacious living and dining area features a polygonal bay window that fills the space with natural light and frames the beauty of the outdoors. Gas forced-air heating and a gas fireplace with a new insert provide year-round comfort. Step outside to a generous yard and discover an incredible bonus: a rooftop deck above the double garage, offering even more space to relax, entertain, and soak in the stunning surroundings. With nearby parks and trails, an unbeatable South Hill location, and the possibility of adding an ADU (buyer to verify), this is a rare opportunity to own a piece of Bellingham history with views that never get old!

325 N Forest Street, Bellingham

Listing Broker: HomeSmart One Realty; Linda Yvonne Stull; 360-739-5482; lindaystull@comcast.net

4050 Kramer Lane, Bellingham
$425,000
3 Beds ⋅ 3 Baths ⋅ 2599683 MLS ⋅ ACTIVE Status
Enjoy low-maintenance living in the heart of Bellingham! Tucked away at the end of a peaceful cul-de-sac, this well-maintained 3-bedroom home offers a surprisingly spacious layout while keeping you close to everything the city has to offer. The open main level features tall 9' ceilings and a generous living area centered around a cozy gas fireplace. The kitchen is designed for everyday living and entertaining with abundant cabinetry, plenty of workspace, and a peninsula with bar seating that opens to the dining and living areas. Durable vinyl flooring, a tiled entry, powder room, and convenient main-level laundry make the space both comfortable and functional. Upstairs you'll find three well-sized bedrooms, highlighted by an impressive primary suite with plenty of room to unwind and a large walk-in closet. Thoughtful finishes and abundant natural light create a warm, inviting feel throughout the home. Outside, enjoy an easy-care property that leaves more time to experience everything Bellingham has to offer. With no HOA and a quiet end-of-street setting, this is a great opportunity for those looking for convenience without sacrificing privacy. Centrally located with easy access to shopping, dining, schools, parks, trails, and I-5 for commuting. Move-in ready, well cared for, and ideally situated for an easy Bellingham lifestyle.

4050 Kramer Lane, Bellingham

Listing Broker: Keller Williams Western Realty; Anthony Zapata; 360-739-1995; anthonyz@benkinneyteam.com

259 Friday Creek Road, Bellingham
$1,395,000
3 Beds ⋅ 3 Baths ⋅ 2599739 MLS ⋅ FIRST LOOK Status
This classic lake front residence occupies a particularly quiet and serene stretch of Lake Samish with sweeping sun drenched views. Three bedrooms and three baths are arranged in a nostalgic floor plan, featuring a sunken living room and original wood cabinetry that have been kept intact. Lake and mountain views extend from nearly every room. From the west facing deck the water is immediate; the dock extends that connection further, offering a practical place to moor a boat or simply step into the water. The setting is close enough to Bellingham for everyday ease yet removed enough to feel like a proper lake house retreat. The property sits on a gentle slope above the shoreline, with terraced lawns and stairs that lead down to a private beach area at the water’s edge. Mature trees frame the house, including a striking western maple, while mature landscaping is on display from the road. On warm days the waterside deck becomes the natural center of the house, large enough for a table and chairs yet still intimate, with clear sightlines across the lake toward the Blanchard foothills. The overall impression is of a lake house that has been maintained rather than overwritten—comfortable, functional, and deliberately tied to its waterfront setting.

259 Friday Creek Road, Bellingham

Listing Broker: COMPASS; Derek Buse; 360-599-0379; derek.buse@compass.com

4104 Yonkers Street, Bellingham
$669,900
4 Beds ⋅ 3 Baths ⋅ 2599775 MLS ⋅ ACTIVE Status
JUST COMPLETED in the newest Bellingham neighborhood of Parkslope. The Pine Lodge model from Greenbriar Homes is a 3 Bd/2.5 Ba home that features quartz kitchen countertops, full length tile backsplash, installed on-site real oak hardwood floors, vaulted ceilings on the main, 9 foot ceilings on the 2nd floor, heating and cooling with highly efficient mini splits, and a professionally landscaped yard. Home also includes an unfinished large bonus room. Room to grow!

4104 Yonkers Street, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Ethan Potts; 360-734-7500; ethanpotts@windermere.com

2509 Peabody Street, Bellingham
$870,000
2599735 MLS ⋅ ACTIVE Status
NEW CONSTRUCTION DUPLEX in the heart of Bellingham's sought-after Fountain District! Zoned Urban Village, this thoughtfully designed home offers exceptional flexibility for investors. The upper residence features nearly 1,500 sqft, 3 bedrooms, 2.5 baths, two separate entrances, a spacious kitchen with walk-in pantry, inviting living space with an electric fireplace, a primary suite complete with an ensuite bath, and balcony for outdoor enjoyment. A 631 sqft lower-level unit has its own private entrance and provides built-in income potential or the perfect space for tenants, multigenerational living, or short-term rental guests. Enjoy the benefits of brand-new construction with modern finishes, quality craftsmanship, and low-maintenance living, all just moments from Fountain District restaurants, breweries, parks, and downtown Bellingham.

2509 Peabody Street, Bellingham

Listing Broker: Bellwether Real Estate; Emelie Goodman; 360-296-2130; emelie.pnw@gmail.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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