Elma Homes with FHA Terms

Elma Homes with FHA Terms

Elma: The Charming City in Grays Harbor County, Washington

Nestled in the picturesque Grays Harbor County, Washington, Elma is a charming city that offers a peaceful and welcoming atmosphere. With its small-town charm and close-knit community, Elma is an ideal place to call home.

Located in the heart of the Pacific Northwest, Elma boasts a beautiful natural landscape, surrounded by lush forests, rolling hills, and tranquil rivers. This scenic setting provides residents with ample opportunities for outdoor activities such as hiking, fishing, and camping.

Elma is known for its strong sense of community and friendly neighbors. The city hosts various events and festivals throughout the year, bringing residents together to celebrate and connect. From the annual Elma Chamber Car Show to the Elma Farmers Market, there is always something happening in this vibrant city.

For those looking to settle down in Elma, the availability of homes with FHA terms is a great advantage. The Federal Housing Administration (FHA) offers loans that allow buyers to secure affordable financing options, making homeownership more accessible. With FHA terms, buyers can benefit from low down payments, flexible credit requirements, and competitive interest rates.

Whether you're a nature enthusiast seeking outdoor adventures or a homebuyer looking for affordable financing options, Elma has something to offer. With its charming small-town atmosphere and the availability of homes with FHA terms, Elma is a city worth considering for your next real estate investment.

Newest Elma Homes with FHA Terms

$444,950
3 Beds ⋅ 2 Baths ⋅ 2564942 MLS ⋅ ACTIVE Status
High quality new construction Rambler! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of October 23, 2026. Garage will be a 2-car garage.

6 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$365,000
3 Beds ⋅ 2 Baths ⋅ 2565293 MLS ⋅ ACTIVE Status
Move in ready comfort meets modern upgrades in beautiful Elma! Welcome home to 1710 W Young St, Elma WA! This well cared for 3 bedroom, 1.5 bath single story home offers 1,176 SQFT of comfortable living on a fully fenced .14 acre lot. Enjoy a BRAND NEW composition roof, fresh interior paint, new appliances & laminate flooring throughout. Stay comfortable year round w/ central A/C, heat pump & cozy new pellet stove. Entertain on the huge wrap around deck overlooking territorial views. Spacious attached 2 car garage + RV parking for boats, toys & extra vehicles. No HOA! Outbuildings for added storage. All appliances included washer, dryer, refrigerator, dishwasher, microwave & stove. High speed internet & cable ready. Eligible for FHA, VA, USDA & conventional financing. Minutes to downtown Elma shops, dining & freeway access. Elma School District. Low property taxes only $2,843/yr. Don't miss this affordable Grays Harbor gem!

1710 W Young Street, Elma

Listing courtesy of eXp Realty.

$375,000
3 Beds ⋅ 1 Baths ⋅ 2565262 MLS ⋅ ACTIVE Status
Welcome to your slice of rural serenity! Nestled in a peaceful country setting on a sprawling 1-acre parcel, this charming 1930s home will woo you with its timeless character & modern updates. Step up to a covered front porch, a perfect spot to enjoy a cold drink on a warm day, and enter to your living room featuring a cozy tiled fireplace, where evenings can be spent curled up with a good book. A ductless mini split adds modern convenience and efficiency for effortless heating and cooling. Walk through the doorway to the kitchen, where you will find ample cabinetry & shelving and dining space looking out onto the lush yard. On the main level, also enjoy 2 bedrooms and full bath for single-level living. Upstairs, find a third bedroom in the attic space complete with built-in shelving. Realize future potential with an unfinished 504 sq foot basement ready for your creative expansion ideas. Outside, the wide-open acreage provides ample space for vibrant gardens, raising backyard chickens, and soaking in the quiet surroundings. Best of all, you are never far from convenience—located just 35 minutes from downtown Olympia, roughly 25 minutes from I-5 access, and an easy jaunt to the coast for weekend beach trips. Bring your vision and discover your own private slice of country quiet today! (*some photos virtually staged*)

93 Cloquallum Road, Elma

Listing courtesy of Coldwell Banker Bain.

$405,000
3 Beds ⋅ 2 Baths ⋅ 2563531 MLS ⋅ ACTIVE Status
Stunning brand-new manufactured home offering a bright, open-concept floor plan filled with natural light. This move-in-ready home blends modern style with thoughtful design, creating comfortable spaces for everyday living and entertaining.The gorgeous kitchen is the heart of the home, featuring quartz countertops, a large island, stainless steel appliances, abundant cabinetry, and a spacious butler's pantry. The luxurious primary suite offers a spa-inspired ensuite with dual backlit mirrors, a freestanding soaking tub, oversized walk-in shower with black grid glass, generous vanity storage, and an expansive walk-in closet.The well-designed utility room includes a utility sink, dedicated workspace, extensive cabinetry, and additional storage. Every detail has been thoughtfully designed, with everything brand new and ready for you to enjoy.Conveniently located near Summit Medical Services, Oaksridge Golf Course, shopping, dining, and easy freeway access, this exceptional home offers the perfect combination of style, comfort, and convenience.Seller to pay buyer closing costs with full price offer

105 S 16th Street, Elma

Listing courtesy of eXp Realty.

$285,000
2 Beds ⋅ 1 Baths ⋅ 2563392 MLS ⋅ ACTIVE Status
An adorable home in Elma: one level with 2 bedrooms 1 bath on 11,326 sqft lot. Maximize your equity with this cottage situated on a spacious lot in Elma, WA. The heavy-hitting exterior projects have already been completed: new asphalt shingle roof (2023), a new water heater (2021), and an exterior paint refresh (2026). The property boasts an expansive, fully fenced backyard complete with an additional outer storage shed and a kids' playhouse. Inside, the layout offers a simple flow with a mix of updated and classic finishes. Perfect for house flippers or portfolio investors looking to capitalize on a property with immediate returns on your investment. What about Elma: its fortuitous location at the interchange of SR 8 and 12, providing quick access to the I-5 corridor both the North and South, modern utility infrastructure, including a state-of-the-art sewage treatment facility and two fiber-optic pipelines, highly rated school district, abounding natural beauty plus and an excellent quality of life for its residents. This home is near city park, schools, shops, and bus route. Whether you are downsizing or looking for that investment property, this home will definitely meet your goals. Contact your favorite broker and see this home today. You will agree Elma is a great place to live and do business

535 N 11th, Elma

Listing courtesy of WOODS Realty.

$799,900
5 Beds ⋅ 3 Baths ⋅ 2561960 MLS ⋅ ACTIVE Status
Perched atop a peaceful hill on 2.4 acres, this stunning custom cedar home offers warmth, space, and beauty. Surrounded by nature & overlooking gorgeous views, this one-of-a-kind property is designed for those who appreciate privacy, comfort, and room to gather. Step inside to an impressive great room where a soaring wall of windows floods the home with natural light. Just below the great room, a spacious rec room provides a flex space for a game room, media room, or gathering area. The expansive kitchen is a dream, feat. an abundance of cabinetry, generous counter space, an island with cooktop, double ovens, and all appliances inc. The oversized dining room is ready to host everything from intimate dinners to large gatherings. Offering 5 generously sized beds/2.25 baths, there's plenty of room for everyone. The private primary room is a retreat, complete with French doors to its own deck, a walk-in closet, & ensuite bath. Cozy up on cool evenings beside the fireplaces. Furnace/heat pump provide efficient heating and AC for year-round comfort. Relax on the expansive front deck while taking in the views, or entertain guests on the massive back deck overlooking your acreage. 2 car attached garage adds conv. while the wooded setting offers the tranquility of country living waiting to be enjoyed. If you've been searching for a home that combines timeless cedar charm, incredible entertaining spaces, stunning views, and peaceful privacy, this property is one you won't want to miss!

14 Overview Lane, Elma

Listing courtesy of Better Properties Grays Harbor.

$649,900
3 Beds ⋅ 2 Baths ⋅ 2560629 MLS ⋅ ACTIVE Status
This newly built home on 5.25 acres is complete and ready for its new owners. Walk into your brand new kitchen featuring all new energy efficient appliances, granite counter tops, soft close cabinetry, an island for additional counter space all while hosting an open concept to the main living area for continued ability to entertain while making your meals. The property is partially cleared allowing for your vision to come to life providing ample room for an additional shop, ADU, pool or.?.? RV parking space is in with power already ran to the pad. Several large trees still reside and enhance the privacy to your own little slice of this new development. Walk the property lines via the cut in trails to allow for your vision of continued property improvement. CC&Rs in place only limit Manufactured homes in the community and have no associated HOA fees. Come check out this gorgeous new home without having to endure the building process. Close to Schafer State Park and the East Satsop River for recreation. 45 minutes to Olympia or Aberdeen.

19 Raven Lane, Elma

Listing courtesy of eXp Realty.

$384,900
3 Beds ⋅ 2 Baths ⋅ 2560404 MLS ⋅ ACTIVE Status
Discover the perfect blend of comfort and convenience with this beautifully maintained single-story 3 bedroom, 1.75 bath home located in one of the area's most sought after locations, Garden Hill! The spacious primary suite features a private 3/4 bath ensuite, while the functional floor plan offers comfortable living for everyone. Outside you'll appreciate the durable metal roof, inviting covered front deck, and back patio perfect for entertaining, relaxing, or enjoying your fully fenced backyard. Situated on a generously sized lot, there's plenty of room for gardening, pets, play, or simply enjoying your own private outdoor space. A 2 car garage provides ample parking and storage, making this home as practical as it is charming. Don't miss the opportunity to own this move-in ready home in an in-demand location!

103 Garden Hill Road W, Elma

Listing courtesy of Better Properties Grays Harbor.

$434,995
3 Beds ⋅ 2 Baths ⋅ 2554514 MLS ⋅ ACTIVE Status
High quality new construction! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of September 18, 2026. Garage will be a 2-car garage.

3 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$434,995
3 Beds ⋅ 2 Baths ⋅ 2554517 MLS ⋅ ACTIVE Status
High quality new construction! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of September 18, 2026. Garage will be a 2-car garage.

15 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$344,900
3 Beds ⋅ 1 Baths ⋅ 2554445 MLS ⋅ ACTIVE Status
Nice single story stick built home for sale in the quiet town of Elma! 3 bedrooms. 1 full bathroom with a dual sink vanity. 1250 square feet. Roomy kitchen with pantry, stainless steel appliances and gas range. Spacious living room with gas log fireplace. Dining area with slider that opens to a side yard patio. Laminate floors. Light and bright with lots of windows and vaulted ceilings. White painted doors and millwork. Great condition. New paint inside and out. Vinyl windows, gas forced air heat and gas hot water heater. Newer electric panel. Nice large level lot (75x125) with alley access. Wonderful small community. Close to parks and schools. Short drive to Olympia and easy drive to ocean beaches.

1713 W Martin Street, Elma

Listing courtesy of Group 7 Inc., Real Estate Serv.

$554,999
3 Beds ⋅ 2 Baths ⋅ 2556671 MLS ⋅ ACTIVE Status
Meticulously maintained and move-in ready, this spacious 3-bedroom, 2-bath rambler offers tall ceilings, comfortable living spaces, and a freestanding propane fireplace. The kitchen features brand-new stainless steel appliances, while other recent updates include a brand-new roof and a beautifully remodeled bathroom. Situated on a desirable corner lot, the property offers abundant parking, an attached 484-square-foot garage, and an impressive 960-square-foot shop or additional garage. A large attic and yard-maintenance shed provide even more storage. Step outside to the beautifully cared-for yard and covered deck, where you can relax, entertain, and enjoy the view. This exceptional property offers the space, storage, and pride of ownership buyers are looking for, all just minutes from downtown Elma, schools, shopping, the hospital, and quick highway access. Olympia is approximately 30 minutes away. Come see how much this wonderful home has to offer!

101 S 16th Street, Elma

Listing courtesy of Better Properties Grays Harbor.

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