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

$1,225,000
6 Beds ⋅ 4 Baths ⋅ 2565498 MLS ⋅ ACTIVE Status
Perched in the coveted Samish Hill neighborhood, this stunning custom home feels like a private retreat from the moment you step inside. High ceilings and expansive windows fill the home with natural light, while its thoughtful design maximizes western exposure, showcasing unforgettable sunsets and peekaboo views of the islands and surrounding mountains. The main level features an open chef's kitchen with high-end appliances, quartz countertops, and a walk-in pantry, flowing seamlessly into the living and dining areas. Enjoy gathering with friends while taking in the views from the spacious balcony just off the dining room. This main level also includes a bedroom/office with a private balcony, a half bath, and a convenient laundry room. Upstairs, the tranquil primary suite offers a spa-like bathroom, generous walk-in closet, and spectacular views. You'll also find two additional bedrooms and a three-quarter bath on the second floor. The versatile lower level includes two more bedrooms, a full bath, a bonus living area with a kitchenette making it perfect for multi-generational living. A finished flex room is ideal for a home gym or hobby space. Sliding glass doors lead you to the beautifully landscaped backyard with apple trees, garden space, and a fire pit for relaxing summer evenings. All this, just minutes from Fairhaven, Lake Padden, and the best Bellingham has to offer! CHECK OUT THE VIRTUAL MATTERPORT TOUR https://my.matterport.com/show/?m=opPHaorv9ab

1221 34th Street, Bellingham

Listing courtesy of Muljat Group.

$624,000
3 Beds ⋅ 2 Baths ⋅ 2561496 MLS ⋅ ACTIVE Status
One block to the Sehome Hill Arboretum trailhead—six miles of forested trails, an 80-foot observation tower, and a hand-cut sandstone tunnel—yet minutes to I-5, Haggen, REI, and WWU. This 1931 Sehome home sits on a rare 0.30-acre parcel made of three original platted lots, giving you space on every side that's hard to find this close to campus and downtown. UPPER LEVEL: 924 sq ft, 2 bed/1 bath. Hardwood floors just refinished, fresh paint throughout (2026). Main kitchen updated 2025: soft-close cabinetry, pull-out storage, Lazy Susan corners, granite counters, new sink, faucet, and range hood. Milgard windows (2024) in living room, kitchen, bath, and back bedroom/office. Heated tile floors in kitchen and office; gas fireplace. New roof (2017) with stainless gutter guards. LOWER LEVEL: 282 sq ft, .75 bath. A private, self-contained flex space with its own exterior entrance and a 2022 kitchenette finished with granite and custom hardwood cabinetry, ideal as a guest suite, studio, or work-from-home wing. Outside: fully fenced, level backyard with a separate fenced run for dogs or chicken coop, two established garden areas, mature landscaping, paver patio, composite deck, and west-facing sunset views over the treetops. Gardener's dream: 20+ yrs, Japanese maples & perennials. Three powered sheds (one insulated, one deep enough for a car) plus carport and gravel drive - room for trailers, boats, & gear. A quiet, nature setting minutes from everything Bellingham offers.

137 33rd Street, Bellingham

Listing courtesy of RE/MAX Whatcom County, Inc..

$549,000
2564355 MLS ⋅ ACTIVE Status
Completely remodeled and move-in ready, this 882 SF professional office offers an outstanding opportunity for an owner-user, investor, or future developer. Situated on a prime, high-visibility street with excellent traffic counts, the property provides exceptional exposure for your business and features a brand-new monument pole sign for maximum visibility. The thoughtfully designed layout includes two private offices, a welcoming reception area, a separate open office workspace, kitchenette, and private bathroom. The building is ADA accessible with a wheelchair ramp and ADA Parking. Quality upgrades throughout include engineered hardwood flooring, granite countertops, high-end LED track lighting, HardiePlank siding, vinyl windows, new landscaping, and fresh interior and exterior paint, creating a polished appearance with minimal maintenance. Outside, the expansive parking lot has been freshly sealcoated and offers abundant parking for clients and employees. The property also provides exceptional upside, with full plans and preliminary approval from COB already in place for an approximately 1,800 SF warehouse/shop building at the rear. Alternatively, explore the potential to redevelop the back portion into middle housing, including townhomes or single-family homes. A rare combination of turnkey office space, premium street exposure, abundant parking, and future development potential makes this an exceptional investment opportunity.

3317 Northwest Avenue, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$695,000
4 Beds ⋅ 3 Baths ⋅ 2564797 MLS ⋅ ACTIVE Status
Fantastic opportunity in one of Bellingham's favorite neighborhoods, just a short jaunt to Whatcom Falls and Bloedel Donovan parks. This custom, four bedroom home with MIL was designed and built by the current owner. It's a solid and timeless example of great design and just needs your imagination to polish it into your dream home. The lower level has been converted to a mother-in-law suite and is outfitted with a full kitchen and full bath. The private entrance allows for lots of options! On the main level, there are two living rooms with potential bay views and four bedrooms including a large primary suite with a walk in closet and spacious bath. It offers unique features, like a sunken living room and beautiful clerestory windows that bring in tons of natural light. The dining room has ample space for large gatherings and includes a lovely, built-in china cabinet. The kitchen is the literally the heart of this home. The layout was carefully thought out with lots of storage and a sweet, curved breakfast bar. Another thoughtful and convenient feature is the built in bookcase that defines an office space that takes advantage of the natural light and flow of the floor plan. The roof was replaced within the last 10 years and the rest of the home is in good condition. There is a fairly steep driveway, but there is ample, flat parking at the top and easy turn-around areas. Update the finishes and you can create a truly stunning home.

2526 Vining Street, Bellingham

Listing courtesy of BHHS Bayside Realty.

$280,250
2 Beds ⋅ 1 Baths ⋅ 2564863 MLS ⋅ ACTIVE Status
Move-in ready and beautifully refreshed, this second-floor condo offers comfort, convenience, and exceptional value in Bellingham's desirable Puget neighborhood. Recent updates include brand-new LVP flooring, new countertops, fresh interior paint, and a new water heater. The kitchen has been thoughtfully updated with nearly all major appliances replaced within the last five years. The functional single-level floor plan features 2 bedrooms, 1 bath, an open living area, and a private balcony for enjoying fresh air and morning coffee. Enjoy the ease of low-maintenance condo living with assigned parking and HOA dues that include water, sewer, garbage, and common area maintenance. Conveniently located just moments from Whole Foods, Fred Meyer, shopping, dining, public transit, and I-5 access. With no rental cap, this property presents an excellent opportunity for both owner-occupants and investors alike. Whether you're looking for your first home, a downsizing option, or an investment property, this updated condo is ready to welcome you home.

1251 Nevada Street Unit #17, Bellingham

Listing courtesy of Keller Williams Western Realty.

$1,685,000
4 Beds ⋅ 3 Baths ⋅ 2564004 MLS ⋅ ACTIVE Status
A rare opportunity to own a renovated Mid-Century Modern home on South Hill, where timeless architecture meets exceptional craftsmanship. Reimagined from top to bottom, this 3,400 sq/ft home blends original character with modern updates, including radiant heated floors, oak hardwood flooring, smart home technology, and quality finishes throughout. The chef's kitchen is designed for everyday living and entertaining with premium appliances, Caesarstone waterfall countertops, built-in breakfast nook and coffee bar. Multiple living spaces provide exceptional flexibility, including an office, den, a home gym, and a separate room that opens to a patio with a loft above—ideal for a bedroom, family room, guest retreat, play room or studio. The spacious primary suite offers water views, a private balcony, walk-through closet and spa-inspired bath. Floor-to-ceiling windows, skylights, and a LaCantina folding door fill the home with natural light and create an effortless connection to the outdoor living areas. Set on a beautifully landscaped 1/3-acre lot, the property features a large, flat backyard, covered outdoor living space, private patios, mature landscaping, raised garden beds, fruit trees, and two powered garden sheds. Extensive infrastructure improvements, including new electrical, plumbing, and insulation offer peace of mind for years to come. A truly special home that pairs iconic Mid-Century design with the comfort, efficiency and functionality of a modern renovation.

800 Highland Drive, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$590,000
2565048 MLS ⋅ ACTIVE Status
Discover a rare South Hill lot with sweeping westerly views of Bellingham Bay's sunsets, passing weather, sailboats and more. Whether you’re looking for an amazing investment with potential multifamily opportunity or the perfect place to build your dream home, this shy 9,000 sq ft lot offers a rare opportunity in a prime location. Stairway access to the South Bay Trail is just across the street, inviting you to enjoy the pleasure of nature, walkability, and breathtaking scenery with downtown Bellingham and Fairhaven each only a relaxing 30-minute walk away. Meeting friends at Boulevard Park is even closer. Don't miss out on this special piece of South Hill.

0 XXX S State Street, Bellingham

Listing courtesy of Keller Williams Western Realty.

$699,000
3 Beds ⋅ 2 Baths ⋅ 2561625 MLS ⋅ ACTIVE Status
Welcome to 1405 W Oregon Street, a charming single-story home in Bellingham’s much-loved Columbia neighborhood. Built in 1926, the home offers 3 bedrooms, 1.5 bathrooms, an enclosed sunroom, and approximately 1,584 square feet of living space, all on a generous quarter-acre lot. The spacious yard gives you plenty of room for gardening, entertaining, or simply enjoying the mature surroundings. An approximately 12-by-20-foot shop, a smaller shed-style outbuilding, and a compact one-car garage provide great space for hobbies, projects, parking, and extra storage. Inside, the home has the warmth and character you would expect from a house of this era, along with plenty of opportunity to update it over time and make it your own. The enclosed sunroom offers a flexible bonus space, while the basement adds even more room for storage and everyday needs. Located close to neighborhood parks, schools, shopping, grocery stores, restaurants, and the conveniences of central Bellingham, this home makes it easy to enjoy everything the area has to offer. With single-level living, a larger-than-typical city lot, useful outbuildings, vintage charm, and room to add your own style, this is a wonderful opportunity to put down roots in one of Bellingham’s most established neighborhoods.

1405 W Oregon Street, Bellingham

Listing courtesy of NextHome Northwest Living.

$565,000
2 Beds ⋅ 1 Baths ⋅ 2564773 MLS ⋅ ACTIVE Status
Located in the heart of Bellingham’s highly desirable Sunnyland neighborhood, this cute, clean, and spacious 2-bedroom, 1-bath home offers charm, comfort, and an unbeatable location. Just 3 or 4 doors away from Memorial Park and Sunnyland Elementary School, this home places you right in the middle of one of Bellingham’s most loved communities. Only about a block and a half from Trader Joe's, Kulshan Brewing Company, restaurants, coffee shops, and many other Sunnyland favorites. Enjoy direct access to trails leading all the way to the Barkley area and Whatcom Falls Park practically right out your front door. Inside, the home features fresh paint and flooring, a cozy wood-burning fireplace and efficient forced-air heat for year-round comfort and an open flow through floor plan with a good-sized living room and large family room. All this under a new roof in 4th quarter of 2025. Beautiful, mature landscaping creates a warm and inviting outdoor setting, while the detached garage with additional shop space and convenient alley access adds flexibility and functionality. Bellingham’s newer infill housing regulations may allow for the addition of one or even two ADUs, creating exciting future potential and versatility (buyer to verify). A rare opportunity to own a well maintained Sunnyland home in one of Bellingham’s most walkable, vibrant, and sought-after neighborhoods!

2615 Lincoln Street, Bellingham

Listing courtesy of Keller Williams Western Realty.

$1,295,000
5 Beds ⋅ 3 Baths ⋅ 2561172 MLS ⋅ ACTIVE Status
Gorgeous Custom Home in the sought-after Whatcom Falls neighborhood. Set on a beautifully landscaped and sunny lot, this 5 bedroom home was built with attention to detail and quality rarely seen these days. Lovely kitchen with walnut cabinets, stone tile backsplashes, high end appliances and pantry. Walk out the kitchen and onto the spacious entertainment deck with natural gas for the barbecue and wiring and plumbing in place for a hot tub. Inside you'll find hand scraped oak floors, venetian plaster accent walls, crown molding and walnut built-ins throughout. Large primary bedroom with ensuite bathroom with soaker tub, separate shower and walk in closet. Home office on the main level and a bonus room upstairs that makes a great media room. Large 2 car garage and a nice flat, stamped concrete drive that allows parking for 4 more cars. 50 year presidential roof, on demand hot water heater with recirculation pump for instant hot water at all faucets, and a dry under home storage area with concrete floors and power. The convenient and quiet central location is just steps to Galbraith's epic mountain biking/hiking trails with the entrance to Whatcom Falls Park a short walk away. This beautiful one owner home is the builders own home and has been built with exceptional craftsmanship and meticulously maintained. Truly move in ready!

2719 Wildrose Court, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$1,199,000
4 Beds ⋅ 3 Baths ⋅ 2564564 MLS ⋅ ACTIVE Status
Peek-a-boo bay views and front-row sunsets from this solidly built Edgemoor home on a 12,197 sq ft lot. Vaulted ceilings and a wood-burning fireplace anchor the light-filled living room, with a slider out to the deck — the spot you'll want for evening light over the water. Open living and dining spaces flow into a kitchen with a built-in dining nook, plus a second door out to the back patio for easy indoor-outdoor living. The spacious primary suite includes a walk-in closet and ensuite bath with a deep soaking tub. Downstairs, a second family room with its own wood fireplace opens to two more bedrooms, a 3/4 bath, and a utility room — flexible space for guests or a home office setup. Oversized 2-car garage. Mature rhododendron landscaping, once featured in Sunset Magazine, frames the grounds. Just minutes away from Fairhaven's shopping and dining, beaches, trails, Bayside pool, and excellent schools. A well-built home with great bones on one of Edgemoor's classic lots, with room to expand and capture even more of that bay view — ready for your vision.

601 Clark Road, Bellingham

Listing courtesy of Windermere RE Whatcom, Inc..

$3,400,000
2564873 MLS ⋅ ACTIVE Status
3.71 acre lot with Planned Industrial zoning next to Costco in Bellingham ready for your building plans. The binding site plan allows the seller to adust the lot size to obtain the perfect lot size for the buyer’s use. This property has been cleared, graded, compacted, and covered with crushed rock. Another huge plus for the property is that it has been connected to the City of Bellingham Regional Stormwater Facility which allows for maximum use of the property. Heavy power, natural gas, city water and sewer are in the street fronting the property. The completed entitlements to build on this property hundreds of thousands of dollars and took many years of effort allowing for the buyer to expedite their construction and use of the property. Separately listed 2 acre parcel and 5.71 acre parcel.

1365 Mahogany Unit #2, Bellingham

Listing courtesy of Pacific Continental Realty LLC.

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