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

$999,000
3 Beds ⋅ 2 Baths ⋅ 2567044 MLS ⋅ ACTIVE Status
Just what acreage buyers are looking for! Over 14 level acres of combination pasture, forest, trails, and some wetlands - all on 3 separate tax parcels. The private well is very productive and could serve all parcels. The main home is 1500 sqft and is very charming. It was architects own one level home and is tastefully done with newer finishes and very inviting. The permitted detached 730 sqft accessory dwelling unit is also exceptional, warm and cozy. This is a hobbyists dream property. The barn/shop area is perfect for animals, crafts or whatever you can imagine. Why wait, call your agent now - this is a great opportunity!

19424 SR 525, Freeland

Listing courtesy of Windermere RE/South Whidbey.

$1,100,000
3 Beds ⋅ 3 Baths ⋅ 2568730 MLS ⋅ ACTIVE Status
Experience classic Whidbey Island living in this updated 1962-built home featuring an open layout, durable bamboo flooring, rich cherry cabinets, and granite kitchen surfaces. Comfort meets functionality with a cozy wood stove, newer metal roof, and fresh luxury vinyl plank flooring. The dual-level design provides flexible spaces complemented by unique wellness amenities, including a personal sauna. Set on a private 0.40-acre parcel, the property boasts a fully fenced yard, productive raised garden beds, a personal fruit orchard (cherries, apples, peaches, and plums), and generous garage and workshop areas. Step out onto the expansive deck that is perfect for entertaining, or to simply soak up inspiring mountain views, the active Salish Sea, or brilliant sunsets. Head down for a morning kayak excursion via the private community beach access, or explore the nearby trails. Blending quiet coastal charm with practical features, this island retreat delivers a serene Pacific Northwest lifestyle just minutes from local amenities. Come see all we love about 494 E Labella Vista Way.

494 Labella Vista Way, Freeland

Listing courtesy of Coldwell Banker Bain.

$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.

$835,000
2 Beds ⋅ 2 Baths ⋅ 2553797 MLS ⋅ ACTIVE Status
Welcome to this beautiful custom home, built in 2015 and nestled in the sought-after Bush Point community on scenic Whidbey Island. Offering 1,956 square feet of a thoughtfully designed living space, this inviting residence features 2 bedrooms and 2 bathrooms, blending comfort and coastal charm. Enjoy breathtaking views of Puget Sound, shipping lanes, and the majestic Olympic Mountains from the comfort of your home. Whether you're watching passing vessels, soaking in unforgettable sunsets, or simply relaxing outdoors, the exceptional outdoor living spaces provide the perfect setting to take in the island's natural beauty. For outdoor enthusiast, the nearby beach offers a fantastic opportunity for fishing and waterfront enjoyment. Experience the peaceful lifestyle and stunning surroundings that make Whidbey Island living feel so special.

4883 Magellan Drive, 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.

$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.

$525,000
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.

214 Lighthouse Way, Freeland

Listing courtesy of Windermere RE North, Inc..

$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.

$696,700
3 Beds ⋅ 2 Baths ⋅ 2490798 MLS ⋅ ACTIVE Status
Charming and thoughtfully maintained, this Mutiny Manor home captures west-facing views of Mutiny Bay and the Olympic Mountains an ever-changing backdrop of color enjoyed from indoors and out. Single-level living features 3 bedrooms, 1.75 baths, and a two-car garage, all wrapped in comfort with hardwood floors, wood-wrapped windows, and a cozy, welcoming feel. A spacious new view deck and fenced backyard extend the living space outdoors, perfect for relaxing or entertaining. There is room to garden! Just a mile to Robinson Beach and less than two miles to the shops and amenities of downtown Freeland, the location blends convenience with coastal living. The crawl space offers generous headroom for storage, and recent exterior paint plus landscaping add standout curb appeal. With careful updates and attentive maintenance throughout, this home is ready to be enjoyed for years to come. Come see this wonderful home with so much potential to enjoy your future abode that is truly move in ready! SELLER WILL CONTRIBUTE $15,000 TOWARDS BUYER'S ALLOWABLE PREPAIDS, CLOSING COSTS OR INTEREST RATE BUYDOWN!

5938 Sundown Lane, Freeland

Listing courtesy of Keller Williams Realty Bothell.

$669,000
3 Beds ⋅ 2 Baths ⋅ 2491136 MLS ⋅ ACTIVE Status
Step into easy island living in this completed 2025 Craftsman, tucked on a quiet Holmes Harbor cul-de-sac. Designed for single-level comfort with zero-entry accessibility, this sunlit 3-bedroom plus office home blends the fresh feel of new construction with everyday function. The open great room, vaulted ceilings, laminate hardwood floors, and kitchen with eating space create an inviting hub for gathering, while the deck and patio extend your living space outdoors to territorial and pond views. New Bayview blinds throughout the house add a polished finishing touch and soft natural light control. Completed landscaping and retaining wall make the outdoor space feel settled from day one. With 1.75 baths, bath off primary, walk-in closet, ductless mini-split heating/cooling, heat pump water heater, attached 2-car garage, and wiring for a generator, this home is built for comfort, efficiency, and peace of mind. Fresh, bright, accessible, and ready for your Whidbey chapter. Seller financing available.

4817 Lawrence Avenue, Freeland

Listing courtesy of Windermere RE/South Whidbey.

$2,850,000
2451376 MLS ⋅ ACTIVE Status
Unique opportunity to own one of the few oversized high bank waterfront properties on Whidbey! Soak in the peaceful panoramic views of the Puget Sound and Olympic Mts. Savor the unbelievable sunsets painting the sky from your private oasis. This nature filled picturesque property offers endless potential to create your very own Island Paradise. Enjoy this exquisite location as a single estate or explore the potential for dividing into smaller 5 acre lots to maximize the possibilities. An investment for your future and legacy awaits. Easy access to Whidbey Island Clinton Ferry Terminal.

4530 Smugglers Cove Rd Road, Freeland

Listing courtesy of COMPASS.

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