Friday Harbor Homes with FHA Terms

Friday Harbor Homes with FHA Terms

Welcome to Friday Harbor, a picturesque town located in the heart of San Juan County, Washington. Known for its stunning natural beauty and charming small-town atmosphere, Friday Harbor is a hidden gem in the Pacific Northwest.

With a prime location in the scenic San Juan Islands, Friday Harbor offers residents a unique island living experience while still being connected to the mainland. The town is home to a vibrant community of artists, small businesses, and outdoor enthusiasts who are drawn to its laid-back lifestyle and stunning waterfront views.

For those looking to make Friday Harbor their home, there are plenty of options available, including homes with FHA terms. Whether you're a first-time homebuyer or looking to upgrade to a larger space, there are properties in Friday Harbor that can accommodate your needs. With FHA terms, you can take advantage of flexible financing options and low down payment requirements, making homeownership more accessible.

Imagine waking up to the sound of seagulls and the smell of saltwater in the air, all while enjoying the comfort of your own home in Friday Harbor. Don't miss out on the opportunity to live in this unique and vibrant community. Contact us today to learn more about homes available with FHA terms in Friday Harbor.

Newest Friday Harbor Homes with FHA Terms

$399,000
2 Beds ⋅ 2 Baths ⋅ 2555747 MLS ⋅ ACTIVE Status
Enjoy the convenience of in-town island living in this end-unit condominium in the desirable Hearthstone Condominium community. Offering 1,332 square feet, this 2-bedroom, 1.5-bath home features an inviting two-level floor plan filled with natural light from skylights and insulated windows. The spacious living area is anchored by a cozy gas fireplace, creating a warm and welcoming atmosphere throughout the year. Ideally located just moments from the ferry, marina, schools, restaurants, theaters, and downtown shopping, this home offers exceptional walkability while maintaining a peaceful neighborhood setting. Relax on the private patio, enjoy the benefits of low-maintenance condominium living, and appreciate the rare opportunity to own one of only four units in this well-kept community. Whether you're searching for a full-time residence or an island retreat, this move-in-ready home provides comfort, convenience, and the best of Friday Harbor living.

135 A Marguerite Unit #4, Friday Harbor

Listing courtesy of COMPASS.

$799,000
3 Beds ⋅ 2 Baths ⋅ 2550889 MLS ⋅ ACTIVE Status
Priceless view - now more affordable. Whether arriving by ferry, seaplane, or private boat, coming home to Friday Harbor is an experience unlike any other.Perched above the Port of Friday Harbor, this Cannery Village penthouse enjoys one of the island's most intimate waterfront settings.Walls of glass frame an ever-changing panorama where ferries, seaplanes, fishing boats, and sailboats create a living work of art. Fishing boats depart before sunrise, harbor seals play around the marina below your balcony, bald eagles soar overhead, & on special occasions, orcas venture into the harbor.Mt. Baker rises beyond Brown Island, and evenings bring the warm glow of harbor lights shimmering across the water.Designed for gathering, the spacious three-bedroom floor plan offers comfortable living for friends. The well-appointed kitchen features granite countertops, timeless shaker cabinetry, new high end stainless steel appliances, & built-in dining banquette perfect for sharing meals after a day exploring the island. EZ care slate and LVP flooring. Balconies off the great room & primary suite invite the beauty of the harbor indoors. The 3d bedroom provides flexibility for guests or dedicated home office. Stroll Friday Harbor's waterfront, marina, coffee shops, restaurants, galleries, theater & boutiques. Lock & leave with confidence while enjoying a front-row seat to one of the PNW's most treasured waterfront destinations.

241 Warbass Way Unit #A303, Friday Harbor

Listing courtesy of Abbey Realty Inc.

$1,295,000
3 Beds ⋅ 4 Baths ⋅ 2531269 MLS ⋅ ACTIVE Status
This stunning lavender farm spans over 9.7 acres, offering a serene escape in a picturesque setting of breathtaking views. The centerpiece of this property is a magnificent lavender field, drying barn, and a 6,314-square-foot home with ample space for guests, featuring 3 bed, 2.5 bath, many spacious bonus rooms, a theatre, and family and dining rooms that open onto an outdoor terrace for entertaining with your outdoor pizza oven, creating unforgettable dining experiences under the stars. The property also features an indoor pool and sauna, perfect for rejuvenation after a long day and a detached massage studio and private ponds, enhancing the beauty and peaceful atmosphere of this secluded haven. The property has a studio, barn, perfect for creative pursuits or as a guest space. A fenced garden is ideal for growing your own vegetables or flowers. The two-car detached garage provides convenience and storage. This is a rare opportunity to embrace a lifestyle of farming and tranquility, all while being just a short drive from the vibrant community of San Juan Island shops, restaurants, airport, marina, schools, and parks and trails. Don’t miss your chance to own this unique lavender farm, where you can cultivate your dreams and enjoy the quiet beauty of nature every day.

206 Hawthorne Lane, Friday Harbor

Listing courtesy of Coldwell Banker Bain.

$479,500
3 Beds ⋅ 2 Baths ⋅ 2524303 MLS ⋅ ACTIVE Status
Check out this like-new home on San Juan Island! It’s got a great layout with a bedroom and bathroom on the main floor, plus upstairs you’ll find the primary bedroom with a walk-in closet, a third bedroom, a full bathroom, and a roomy laundry area.The home features stainless steel appliances, vaulted ceilings, and durable laminate flooring. It’s also set up for high-speed fiber optic internet if you need to stay connected.Enjoy sunny, south-facing decks on both levels—perfect for relaxing or hanging out with friends. You’re just a short distance to downtown Friday Harbor, schools, and sports fields. Neighborhood offers a community sunny picnic area out your front door. There’s extra storage under the house and the road is paved for easy access. By appt.

618 Finnegan Way, Friday Harbor

Listing courtesy of Coldwell Banker San Juan Is..

$4,750,000
3 Beds ⋅ 6 Baths ⋅ 2515849 MLS ⋅ ACTIVE Status
Extraordinary custom-built home with views of the Salish Sea & Olympic Mountains with whales so close you can literally hear them breathe. Designed to entertain multiple generations on one breathtaking property, the home features high-end craftsmanship, premium systems and beautiful guest house. Main residence, completed in 2019, offers expansive open-concept with chef’s kitchen, dining room, hickory floors and 8’ tall windows and doors throughout. Two primary suites and multiple bathrooms provide ideal space and flexibility on the main floor while the upstairs apartment features soaring 10-foot ceilings, marble countertops, spacious primary suite, office/reading nook, and additional living space. The downstairs light-filled entertainment area has custom wood bar and additional opportunities. The detached 1-bedroom guest house includes custom kitchen, living area, gas fireplace and private deck. Extensive hardwood decks and outdoor dining spaces wrap the front of main residence creating seamless indoor-outdoor living looking over the Sea and wildlife. Finally, enjoy your own vegetables and flowers from Property and infrastructure are also impressive with a one of a kind fully fenced raised concrete-bed garden area with impressive gardening shed, 3-car garage/shop, Tesla battery backup, 500-gallon propane tank, a shared community well and a separate private well, whole-house filtration, UV purification, rain catchment system, and multiple 2,000-gallon storage tanks.

115 Clipper Way, Friday Harbor

Listing courtesy of COMPASS.

$1,075,000
3 Beds ⋅ 3 Baths ⋅ 2505360 MLS ⋅ ACTIVE Status
Immaculate and spacious, this inviting home offers the perfect blend of comfort, privacy, and partial views of the Straits, sun-washed valleys, and glowing sunrises. Designed for both everyday living and entertaining, the updated kitchen features a propane cooktop, stainless steel appliances, and generous storage—ideal for gatherings large and small. The thoughtfully designed 3-bedroom, 3-bath layout supports easy main-floor living, while the lower level provides flexible space with an additional bedroom, bath, and large great room—perfect for guests, hobbies, or media room potential. Sun-drenched decks extend the living space outdoors, creating the perfect setting for morning coffee, evening dinners, or unwinding in the hot tub. Set on 1.7 acres, the property includes a fenced garden area, fruit trees, raised beds, firepit, and a charming historic bunkhouse that adds character and versatility. This is a home where you can relax, entertain, and fully embrace the island lifestyle. By appt.

222 Oak Hill Drive, Friday Harbor

Listing courtesy of Coldwell Banker San Juan Is..

$1,599,000
2 Beds ⋅ 2 Baths ⋅ 2509064 MLS ⋅ ACTIVE Status
Nestled at the water’s edge, this custom 1984 Northwest Contemporary home offers breathtaking views and direct access to your own private pocket beach—perfect for launching a kayak right from your front yard.Featuring 2 bedrooms, 2 bathrooms, and 1,985 square feet of thoughtfully designed living space, this home includes a cozy stone fireplace in the living room for those chilly winter days. Enjoy watching boating traffic and marine life, including majestic orca whales, from the comfort of your home.The updated kitchen boasts granite countertops, a walk-in pantry, and hardwood flooring. The main level includes the living and dining areas, as well as the primary bedroom, offering convenient single-level living.Upstairs, a light-filled loft provides a versatile space for an office or an open-concept guest bedroom.Located in a vibrant community with walking trails, beach access, a marina, and a pool with a playground. Just minutes from American Camp National Park, where miles of scenic trails await.Don’t miss this rare opportunity to live the ultimate island lifestyle!

190 Island Drive, Friday Harbor

Listing courtesy of Coldwell Banker San Juan Is..

$519,000
2 Beds ⋅ 2 Baths ⋅ 2496649 MLS ⋅ ACTIVE Status
Move-in ready townhouse in the heart of Friday Harbor, near the library and just a short walk to John O. Linde Community Park with 30 acres of parkland and walking trails. This well-cared-for in-town home features 2 bedrooms, 1.5 baths, freshly painted interior, and new carpeting installed in March 2026 on the stairs and in both bedrooms. Fiber Optics for Internet installed. The welcoming main level offers an open kitchen overlooking the great room with an easy-care propane fireplace and convenient guest half bath. Back doors lead to a fully fenced backyard with patio areas and a charming circulating pond, creating a peaceful private setting for relaxing or entertaining. Kitchen upgrades include a custom live-edge serving counter, new backsplash. Award-winning Marathon high-efficiency water heater provides years of comfort. Easy care Trex decking enhances both front and rear entry decks. Upstairs features the primary bedroom, guest bedroom, and full bath. Additional amenities include an attached single-car garage, deer-proof garden area, low-maintenance living. As a bonus to buyer, purchase includes a 13-month homeowner warranty for buyer's peace of mind of all appliances (call for details). Located in a quiet 9-unit condo complex with owner-occupancy HOA requirements. Don’t miss this move-in ready gem in convenient in-town Friday Harbor. Call today for your personal tour by appointment!

1014 Park Street Unit #1B, Friday Harbor

Listing courtesy of Better Properties of San Juan.

$1,950,000
2473513 MLS ⋅ ACTIVE Status
A rare opportunity for new construction in the heart of downtown Friday Harbor on San Juan Island. This high-traffic commercial corner is steps away from the Port of Friday Harbor, seaplane dock, and passengers arriving or departing by Washington State Ferry, boats or seaplanes. Spanning approximately 70 feet by 50 feet, this lot invites transformative ideas, including mixed-use residential spaces, retail, a hotel, professional services, entertainment all within the historic district of Friday Harbor. With water, sewer, and power accessible, your vision can become a reality. This southeastern corner lot in the historic downtown core of Friday Harbor was once the vibrant home of Churchill's General Store in 1892, later the Bayview Tavern and Herb's Tavern. Fill this blank canvas with your dream development on San Juan Island. Seller Financing available.

80 First Street S, Friday Harbor

Listing courtesy of Coldwell Banker Bain.

$1,150,000
1 Beds ⋅ 2 Baths ⋅ 2473530 MLS ⋅ ACTIVE Status
Beyond a private, set back driveway, this remarkable San Juan retreat unfolds across 10 secluded acres shaped by nature itself. A serene 3 acre, lake like pond invites quiet canoe paddles and immersive wildlife viewing, surrounded by twisted madronas and undisturbed forest. Free from ornamental gardens or pastoral affectations, the home feels carved from its setting rather than imposed upon it. Radiant heat concrete floors anchor the main level, with exposed beams and a strong architectural presence throughout. Above, a bright, lofty primary suite feels elevated, private, and refined, while a separate cozy den, once a bedroom, offers flexible living space. Large windows frame the landscape like living art. Foxes, Snow Geese, Bald Eagles, and ducks move freely across the land and water. A detached shed with power offers future ADU potential. Preserved surroundings ensure enduring privacy and a sanctuary shaped and protected by nature.

96 Pleasant Pond Lane, Friday Harbor

Listing courtesy of eXp Realty.

$349,500
2 Beds ⋅ 1 Baths ⋅ 2449235 MLS ⋅ ACTIVE Status
Stuart Island Retreat! Tucked among lush greenery on a private 0.56-acre lot on Stuart Island, this 3-bed, 1-bath home offers 1,038 sq ft of inviting living space that feels like a cozy tree house. Multiple wood decks create indoor-outdoor living with open interior. A 128 sq ft garage provides extra convenience, and an almost-new 2024 4-wheeler is included (used only to access property). Also included is a 3,484.80 sq ft special-use hangar lot just off the main airstrip, offering added ease and flexibility for travel to and from the island. The community features a beach, airstrip, and boat launching area, with a desirable south-facing orientation overlooking historic Roche Harbor. This tranquil escape blends comfort and coastal beauty.

156 Vista Place, Friday Harbor

Listing courtesy of COMPASS.

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