Freeland Homes with FHA Terms

Freeland Homes with FHA Terms

Welcome to Freeland, a charming city located in Island County, Washington. Situated in the beautiful Pacific Northwest region of the United States, Freeland offers a unique blend of natural beauty, small-town charm, and a thriving real estate market.

As part of Washington state, Freeland boasts a picturesque setting with stunning landscapes, including lush forests, sparkling lakes, and breathtaking views of the Puget Sound. The city's close proximity to major metropolitan areas like Seattle and Tacoma makes it an ideal location for those seeking a peaceful retreat while still having access to urban amenities.

When it comes to real estate in Freeland, one option that stands out is the availability of homes with FHA terms. FHA (Federal Housing Administration) loans are a popular choice for homebuyers, as they offer more flexible credit requirements and lower down payment options.

Whether you're a first-time homebuyer or looking to upgrade to a larger property, Freeland offers a range of housing options to suit every need and budget. From cozy single-family homes nestled in quiet neighborhoods to spacious waterfront properties with breathtaking views, there is something for everyone in Freeland.

As you explore the real estate market in Freeland, you'll discover a close-knit community, excellent schools, and a wide array of recreational activities. From hiking and boating to exploring local wineries and farmers' markets, there is always something to do in this vibrant city.

If you're considering making Freeland your home, now is the perfect time to explore the available properties with FHA terms. Contact a local real estate agent today to discover the possibilities that await you in this charming Washington city.

Newest Freeland Homes with FHA Terms

$495,000
1 Beds ⋅ 1 Baths ⋅ 2564063 MLS ⋅ ACTIVE Status
Welcome to this storybook Whidbey Island cottage, where cozy spaces, thoughtful updates, and island living come together just minutes from everyday conveniences and the waterfront. Enter inside to a cozy living room centered around a fireplace, creating the perfect place to gather before flowing seamlessly into the dining area and kitchen. The kitchen is equipped with stainless steel appliances and functional storage. Upstairs, a quaint loft offers a flexible space for a home office, reading nook, or creative retreat. The sun-filled primary bedroom features generous storage, an oversized laundry area, and direct outdoor access, while a second bedroom and a centrally located bathroom complete the home's comfortable layout. Outside, you will discover ample space to relax and unwind with a fully fenced yard, covered patio space, ample parking, and thoughtful landscaping. Located less than five minutes from local shops, dining, and daily essentials, with waterfront access just moments away, this Whidbey Island retreat offers the ideal private escape or investment opportunity with excellent income potential.

5905 Fish Road, Freeland

Listing courtesy of Lamb Real Estate.

$825,000
2 Beds ⋅ 2 Baths ⋅ 2553818 MLS ⋅ ACTIVE Status
Follow a beautiful drive to this inviting one-story home, privately nestled on five peaceful, wooded acres. Thoughtfully updated and lovingly maintained, the home features a remodeled kitchen, an updated primary suite with a spacious walk-in shower, three energy-efficient ductless mini-splits for year-round comfort, and a cozy wood-burning fireplace. Flexible office & bonus spaces offer room to work, play or pursue hobbies. Relax or entertain on the expansive deck overlooking the landscaped backyard and tranquil woodland beyond. Gardeners will appreciate the established landscaping and deer fencing. A spacious garage/shop provides plenty of room for vehicles, projects, and recreational gear, also a garden shed which offers even more storage and versatility. Enjoy the privacy of country living just minutes from Freeland's shops, restaurants, services, and beaches, with the ferry about 20 minutes away. Experience the best of Whidbey Island living in this exceptional property that combines peaceful surroundings with everyday convenience.

6357 Baywood Road, Freeland

Listing courtesy of Windermere RE/South Whidbey.

$399,000
3 Beds ⋅ 2 Baths ⋅ 2543919 MLS ⋅ ACTIVE Status
Tucked beneath a graceful stand of tall evergreens in the heart of Freeland, this charming manufactured home sits on a flat, peaceful lot with a quiet sense of belonging. Three comfortable bedrooms offer room to breathe, including a primary suite with its own private bath- a small but welcome luxury at the end of a long island day. Brand new carpet and fresh interior paint mean this property is ready for your personalized touches! The level yard invites morning coffee outdoors in the sunny, fenced backyard, while the conveniences of Freeland’s village center remain just a short drive away. Simple, sweet, and perfectly situated on Whidbey Island.

5559 Vesel Court, Freeland

Listing courtesy of Windermere RE/South Whidbey.

$619,000
3 Beds ⋅ 3 Baths ⋅ 2559048 MLS ⋅ ACTIVE Status
Welcome to this charming, light-filled craftsman with its thoughtful design and quality finishes of bamboo and ceramic tiled floors and granite counters. Enjoy your peek-a-boo views of Holmes Harbor from your cedar-sided covered porch! Two en suites with radiant heat floors and one with a luxurious soaking tub and the other with views of the water and mountains, and a recently added Bunk Room provide everyone with plenty of space and privacy. French doors open to your expansive deck with a fenced backyard, large entertaining deck, hot tub and room to garden! Cozy up in front of the propane stove on those stormy nights. Bring your kayaks, bikes and electric car (EV charger) and embrace Island Living. Welcome to Whidbey, Welcome Home!

4876 Breezefair Road, Freeland

Listing courtesy of John L. Scott Whidbey Island S.

$1,249,000
3 Beds ⋅ 3 Baths ⋅ 2554480 MLS ⋅ ACTIVE Status
Exceptional contemporary home with water views in the desirable Mutiny Heights community, just a short walk to Robinson Beach. Thoughtfully designed with three spacious levels, this move-in-ready home showcases soaring ceilings, expansive windows, abundant natural light, and stunning views of Puget Sound and towering evergreens. The open-concept floor plan features walnut cabinetry, hardwood floors, premium wool carpet, quality finishes and central air conditioning for year-round comfort. Multiple flexible living spaces include a den/home office and a media/game room with a full-width overhead door that opens to the landscaped backyard, creating the ultimate indoor-outdoor entertaining experience. Enjoy four private balconies, spacious patios, curated gardens, a hot-and-cold outdoor shower, and a fully fenced yard with an automatic sprinkler system. A large detached storage building provides plenty of room for kayaks, paddleboards, bicycles, tools, and outdoor gear. Western exposure delivers breathtaking sunsets, while mature landscaping offers exceptional privacy in a peaceful setting. Located just minutes from Freeland, Langley, shopping, restaurants, parks, and convenient ferry access to Mukilteo, Everett, Seattle, and the Eastside. Whether you're looking for a full-time residence, second home, or Pacific Northwest retreat, this beautifully maintained property offers the perfect combination of modern design, outdoor living, beach access, and Whidbey Island lifestyle.

1447 Elm Place, Freeland

Listing courtesy of eXp Realty.

$625,000
2 Beds ⋅ 3 Baths ⋅ 2550366 MLS ⋅ ACTIVE Status
{{ Welcome Home to Whidbey Island }} SELLER OFFERING $10,000 CREDIT WITH A FULL PRICED OFFER! This beautifully maintained one-owner home on 1.26 private acres featuring stunning partial Holmes Harbor views is on the market for the very first time. With a thoughtfully designed floor plan, this 1,656 square foot home features 2 spacious bedrooms, each with its own ensuite bath, plus a convenient half bath on the main floor for guests. Vaulted ceilings and expansive windows fill the open living area with natural light, while the cozy fireplace adds warmth and charm. The kitchen offers tons of cabinetry, generous counter space, and flows seamlessly into the great room for easy entertaining. Stay comfortable year-round with an efficient heat pump, and enjoy the peace of mind of a metal roof and a generator as well. The spacious deck is perfect for entertaining yet also the ultimate space for relaxation, surrounded by peace and quiet plus it features a view of the water. A 24' x 24' detached shop, an additional utility shed, plus the attached 2-car garage provide exceptional storage and workspace for all of your hobbies. Tucked away on a quiet dead-end street, this property offers privacy, comfort, and the best of Whidbey Island living!

5296 Slocum Way, Freeland

Listing courtesy of John L. Scott Arlington.

$1,285,000
3 Beds ⋅ 3 Baths ⋅ 2549550 MLS ⋅ ACTIVE Status
Wake at the Water’s Edge as morning sunlight sparkles across Holmes Harbor and the ever-changing tides unfold. Positioned about 30 feet from shore, this extensively updated home offers an unusually immersive connection to the water. Life isn’t measured by the things we own, but by the moments we share. Explore tide pools, search for shells and sea glass, kayak quiet waters, fish, swim, harvest shellfish from your own tidelands. As evening settles in, gather around a beach fire, linger beneath the stars, and listen to the water. Set on approx. 1 acre with 100± feet of low-bank saltwater frontage and 10,000± sq ft of private tidelands, Water’s Edge offers rare privacy, protected harbor waters, and convenience minutes from Freeland. Expansive water views fill virtually every room. Open living spaces, hand-hewn beams, and a custom stainless-steel spiral staircase add warmth and character. The main-level primary suite offers a freestanding tub and curbless shower; upstairs, a second ensuite features a showpiece bath, plus an additional bedroom and flexible gathering space. Enclosed 60x20 catio/garden, shed, RV parking, generator wiring, EV charging, and ample parking. No HOA; short-term rentals permitted. Potential DADU up to 1,200± sq ft—buyer to verify. Living on the waterfront changes how you spend your days. Trade screen time for tide pools, sunsets, and stories around a beach fire. The greatest luxury isn’t owning waterfront—it’s living it. Don’t wait for someday.

5341 S Bercot Road, Freeland

Listing courtesy of Coldwell Banker Danforth.

$489,000
1 Beds ⋅ 1 Baths ⋅ 2545806 MLS ⋅ ACTIVE Status
Nestled among cedars in the sought-after Beverly Beach community, this inviting 744 sq ft cabin offers both a quiet retreat among the trees and a partial view of Holmes Harbor and the Olympic Mountains. A flagstone patio leads to a covered deck with drop down screens to protect from the afternoon sun, extending the living space and is perfect for entertaining guests. Updated with vinyl windows and a metal roof, the cabin is well laid out, open and with vaulted ceilings and a free-standing fireplace — this is small space living at its best. A functional kitchen allows easy meal preparation while interacting with guests and a view to the outdoors. A one bedroom, one bath home plus a versatile flex room that can serve as a home office, guest space, or reading room. A utility room includes a washer and dryer. A cute 8’ x 10’ shed features cedar shakes, covered porch, glass entry door and windows. Store kayaks, fishing gear, and bikes or convert it into an art or writing studio, a meditation space, an extra space to match your needs. Approximately one block to a private community beach, enjoy beach walks, paddle boarding, crabbing or simply be awed by gray whales, orcas, and eagles.

4225 Beach Drive, Freeland

Listing courtesy of Windermere RE/South Whidbey.

$549,000
1 Beds ⋅ 1 Baths ⋅ 2543834 MLS ⋅ ACTIVE Status
Imagine your cozy Pacific Northwest cottage by the sea, nestled in iconic Bush Point on Whidbey Island, where sunsets over Admiralty Bay, views of the Olympic Mountains, and abundant wildlife create the perfect island retreat. Ready to enjoy this summer, this charming cottage is equally suited for year-round living, a weekend escape, or a vacation rental. Included in the sale is a second adjacent lot, providing added privacy and space to enjoy the peaceful setting. Overlooking wetlands and a pond frequented by birds and native wildlife, the property offers a serene backdrop and a constant soundtrack of nature. Relax on the deck and take in the ever-changing scenery and spectacular westside sunsets. Recent improvements include a newer roof, updated kitchen appliances and countertops, and a new washer and dryer. A storage shed provides additional space for beach gear and outdoor essentials. Just a short stroll from the historic Bush Point Lighthouse and only one block from the beach, you'll enjoy easy access to some of Whidbey Island's best salmon fishing and endless opportunities to explore the shoreline. Lighthouse Shores amenities include a community beach, boat launch, and boathouse, making it easy to embrace the island lifestyle. Imagine… living the life you love on Whidbey Island. Seller is offering a 2/1 rate buy-down with an acceptable offer!

214 Lighthouse Way, Freeland

Listing courtesy of Windermere RE North, Inc..

$395,000
2 Beds ⋅ 2 Baths ⋅ 2538104 MLS ⋅ ACTIVE Status
Embrace the ultimate Whidbey Island lifestyle in this beautifully updated Mutiny Bay home which offers private, deeded beach access to the "sugar sands" of Mutiny Bay just blocks from your front door. Built with 2 bedrooms and an office/den on a 2 bedroom septic system, a studs-out remodel was completed in 2017 for modern efficiency with coastal convenience. The bright, open-concept layout welcomes you with bamboo and tile flooring, creating a seamless flow perfect for everyday living or entertaining. The kitchen features quartz countertops and stainless steel appliances. Retreat to the spacious primary suite with a walk-in closet and a five-piece bath featuring a corner tub and separate shower. Both bathrooms are updated with jetted tubs and marble surrounds. An ultra-efficient mini-split heat pump system provides energy-conscious heating and air conditioning all summer long. Enjoy sunsets in your peaceful backyard and sip your early morning coffee on your covered front deck. The home is also wired for a generator which will convey. Located in the desirable South Whidbey Island region, this property provides the perfect launchpad for island adventures. Stroll down to the private community beach to launch your kayaks, watch the shipping lanes or view the Olympic Mountains. Not far from Freeland, Langley and the Clinton Ferry Landing, it is perfect for full time living or as a weekend getaway. Come and make this beautifully updated home your own!

1030 Timber Lane, Freeland

Listing courtesy of Coldwell Banker 360 Team.

$239,950
2526287 MLS ⋅ ACTIVE Status
Perfect Whidbey Island Location. 2 Acre lot with everyday views of the ocean in Holmes Harbor. Septic plans has been designed and approved for a single family residence, ADU, and shed/shop. Co- op Well water Available and Power at the street. Gradual sloped lot right off Honeymoon Bay Rd. filled with healthy Evergreen trees. Just 15 minutes away from the ferry. This is a great place to build your dream home on Whidbey Island. Buyer to verify all information.

Ships Havens Drive, Freeland

Listing courtesy of Marketplace Sotheby's Intl Rty.

$699,000
3 Beds ⋅ 2 Baths ⋅ 2504123 MLS ⋅ ACTIVE Status
Step into the relaxed rhythm of Whidbey Island at 1268 Curtis Way—a modern coastal retreat designed for balance and connection. Thoughtfully built in 2018, this 3-bedroom, two-bath home pairs clean design with warm natural finishes, surrounded by the calm of Freeland. Natural light flows through open living spaces made for both entertaining and unwinding. The kitchen is the heart of the home—quartz counters, stainless appliances, gas range, and easy access to the deck for evening sunsets or morning coffee among evergreens. The main-level primary suite offers quiet privacy, while the lower-level flex space invites possibility: guest suite, studio, or dedicated office. Energy-efficient systems, an EV charger, and low-maintenance landscaping make ownership easy. Every detail supports modern Northwest living—comfortable, intentional, and sustainable. Located moments from local markets, and ferry access, this home offers the best of both worlds: peaceful island life just a short trip from the city. Outside, the property truly shines: imagine sipping your morning coffee on the upper deck or lower patio, surrounded by serene low maintenance greenery, or hosting summer barbecues in your private backyard oasis. Rose bushes bloom continually during the summer, and in the fall the apple tree offers up its delicious cosmic crisps. Spacious garage with EV charger and bedrooms on the main floor makes this truly an easy home to navigate.

1268 Curtis Wy, Freeland

Listing courtesy of COMPASS.

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