Kirkland Homes with FHA Terms

Kirkland Homes with FHA Terms

Kirkland: A Charming City in Washington State

Nestled in King County, Washington, Kirkland is a vibrant city that offers a picturesque setting and a high quality of life. Located in the beautiful Pacific Northwest region of the United States, Kirkland boasts a prime location just east of Seattle. This allows residents to enjoy the best of both worlds - a peaceful suburban atmosphere with easy access to the bustling city.

Kirkland is renowned for its stunning natural beauty, with its proximity to Lake Washington and the Cascade Mountains. The city's waterfront parks, such as Marina Park and Juanita Beach Park, provide residents with ample opportunities for outdoor recreation and relaxation. The charming downtown area is lined with boutique shops, art galleries, and a diverse range of restaurants, making it a popular spot for locals and visitors alike.

For those looking to buy a home in Kirkland, the option of FHA terms is available. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible and affordable for individuals and families. These loans offer low down payment requirements and flexible credit guidelines, making it easier for buyers to qualify for a mortgage.

Whether you're seeking a waterfront property, a cozy suburban home, or a modern condominium, Kirkland has a diverse range of real estate options to suit various preferences and budgets. With its strong sense of community, excellent schools, and abundant recreational opportunities, Kirkland is an ideal place to call home.

If you're considering a move to the Pacific Northwest, Kirkland should be at the top of your list. Its natural beauty, convenient location, and FHA home options make it an attractive destination for homebuyers.

Newest Kirkland Homes with FHA Terms

$1,028,000
3 Beds ⋅ 2 Baths ⋅ 2568054 MLS ⋅ ACTIVE Status
Turnkey & move-in ready, this fully remodeled rambler lives larger than its footprint with thoughtful design and zero wasted space. Vaulted ceilings and abundant natural light create an open, inviting feel for you and your guests, while the electric fireplace adds warmth and a striking focal point to the living space. The designer kitchen features an oversized island with pendant lighting, full tile backsplash, large farmhouse sink, wine fridge, and brass fixtures. The spacious spa inspired primary suite features heated tile floors, floor to ceiling tiles, a custom oversized niche to fit any size of your favorite products, and is bidet ready. A permitted addition converting garage space to a dedicated utility/mud room, adds more livable sq footage and flexibility to everyday living. New high efficiency tankless water heater, furnace, and A/C provide year round comfort. Exterior updates provide additional peace of mind, including new Hardie board siding, garage door, 30-year roof, and windows. Ideally located just 0.5 miles from Juanita Beach Park, enjoy easy summer walks to the beach, parks, restaurants, and coffee shops. Minutes to Totem Lake Village, Woodinville wineries, shopping, dining, and more. Located in the highly sought-after Lake Washington School District. Essentially a new home with no HOA and you own the land—nothing to do but move in and enjoy!

9323 NE 124th Street, Kirkland

Listing courtesy of Specialty Real Estate Group.

$3,325,000
5 Beds ⋅ 4 Baths ⋅ 2567651 MLS ⋅ ACTIVE Status
Privacy. Proximity. Quality. This exceptional residence in The Reserve at Yarrow Bay offers a rare combination of all three. Tucked away on a quiet cul-de-sac and set on a large, park-like lot, it offers a rare sense of seclusion just minutes from downtown Bellevue, downtown Kirkland, and Seattle. Walls of windows frame tranquil landscape views, creating a seamless connection to nature throughout the home. Thoughtfully designed with 10-foot ceilings and a flowing floorplan, the residence balances timeless elegance with comfortable everyday living. The well-appointed kitchen features Dacor and Sub-Zero appliances and dual Bosch dishwashers, opening to the family room and casual dining area. Formal living and dining rooms showcase marble accents and rich millwork. The spa-inspired primary suite is complemented by a second main-level suite, generously sized secondary bedrooms, and a versatile fifth bedroom ideal as a study, media room, or playroom. Outdoor living shines with a covered front porch, covered patio with Valor gas fireplace and water feature, and expansive 1,150-square-foot rooftop deck. All within the highly sought-after Bellevue School District.

3811 97th Avenue NE, Kirkland

Listing courtesy of Windermere Real Estate/East.

$1,750,000
4 Beds ⋅ 3 Baths ⋅ 2567616 MLS ⋅ ACTIVE Status
Experience a unique Kirkland lifestyle where elevated views, abundant natural light, and thoughtfully designed spaces come together in a peaceful cul-de-sac setting. The upper level captures beautiful water and territorial views through numerous windows and skylights, with the main living areas positioned to take full advantage of the scenery. Meticulously maintained hardwood floors add warmth and character, while central A/C provides year-round comfort. An expansive wraparound deck extends the living space outdoors, creating an ideal setting for entertaining or unwinding with the view. Downstairs, all bedrooms offer added privacy, including a spacious primary suite with direct patio access and an additional bedroom with a private exterior entrance—perfect for guests, an office, or flexible living. Professionally landscaped grounds create a serene outdoor retreat. Recent improvements include a newer roof, furnace, water heater, exterior paint, fresh interior paint, and a newly completed driveway (2026). Conveniently located near parks, beaches, shopping, dining, and top-rated schools.

4802 111th Avenue NE, Kirkland

Listing courtesy of Windermere Real Estate/East.

$1,099,000
4 Beds ⋅ 3 Baths ⋅ 2566610 MLS ⋅ ACTIVE Status
Tucked within a peaceful Kirkland neighborhood near Juanita Beach Park, Juanita Village, and downtown Kirkland, this beautifully updated home blends comfort with convenience. Bright open-concept living spaces are filled with natural light and anchored by a welcoming fireplace and bay window. The renovated kitchen shines with sleek white cabinetry, quartz counters, stainless-steel appliances including new range, tiled backsplash, skylight, and generous prep space designed for entertaining. Two bedrooms are located on the main level, including a spacious primary suite with ensuite bath. Expansive finished lower level offers bonus living space, two guest bedrooms, kitchenette, backyard access, and multi-generational potential. Large, fenced backyard with deck, patio, mature landscaping, attached 2-car garage, and easy access to I-405 and major tech campuses.

14328 85th Place NE, Kirkland

Listing courtesy of Windermere RE Greenwood.

$899,000
2 Beds ⋅ 2 Baths ⋅ 2567080 MLS ⋅ ACTIVE Status
Happiness has an Address at this Boutique property with only 8 homes. Experience living in this stunning 2-bedroom residence 1 block from Lake Washington, where every day feels like a vacation. Find cozy cafes & restaurants nestled within a few blocks of downtown Kirkland. Your afternoons are yours on the docks, launching a kayak or paddleboard. Lovingly remodeled with over $100k of amazing updates including a newer kitchen w/gleaming quartz countertops, top-of-the-line stainless steel appliances, 1/2 bath, rich walnut hardwood flooring throughout. It includes A/C, 3 parking spaces, 2 private, spacious decks overlooking a large, fenced yard perfect for entertaining & your furry friends. Truly unique with approximately 1500 sq.ft. of exclusive use of secure storage space with lots of options!! Well-managed HOA with Low HOA dues only $200 per month! A great community & investment too. It can be operated as an Air BnB with no rental cap! The property has been approved for Fannie Mae/Freddit Mac Financing w/5% down. This home has it all, just waiting for you to make it yours! Pre-Inspected & ready for you to move-in!!

10112 NE 68th Street Unit #4, Kirkland

Listing courtesy of Windermere Real Estate/East.

$1,099,999
4 Beds ⋅ 3 Baths ⋅ 2567177 MLS ⋅ ACTIVE Status
What's Special: Covered Patio | Loft | South Facing Lot | End Unit. New Construction – Ready Now! Built by Taylor Morrison, America's Most Trusted Home Builder. Welcome to the A24 at 13209 NE 127th Ct Unit E in Senderos! This thoughtfully designed three-story home offers four bedrooms and three bathrooms with versatile living spaces throughout. The entry level features a private bedroom and full bathroom, ideal for guests, a home office, or flexible living. The second floor showcases an open-concept kitchen with a large island and walk-in pantry, flowing into the dining area and great room with an electric fireplace and access to a covered deck. Upstairs, enjoy a spacious primary suite with a walk-in closet and dual-sink bathroom, plus two secondary bedrooms, full bathroom, a tech space, and convenient laundry. Kirkland offers scenic parks, waterfront adventures, and unforgettable sunsets. Its vibrant downtown is filled with boutiques, local restaurants, and art galleries. With welcoming neighborhoods and close proximity to Seattle, Senderos sits in a truly special location. Additional Highlights Include: GE appliance package, extended RevWood flooring throughout whole house, enlarged primary shower, and under cabinet lights at kitchen. Photos are for representative purposes only. Builder broker registration policy requires, if represented, your broker register you with Community Site agent prior to OR with you, on your 1st visit. MLS#2567177

13209 NE 127th Court Unit #E, Kirkland

Listing courtesy of Cascadian King Company, L.L.C..

$1,295,000
4 Beds ⋅ 2 Baths ⋅ 2567141 MLS ⋅ ACTIVE Status
Prime Rose Hill large lot offering an exceptional opportunity to build your dream home or potentially develop up to four townhomes in one of Kirkland’s most desirable neighborhoods. This level, fully usable parcel provides flexibility for modern architectural designs, with ample space for outdoor living areas, gardens, or additional structures. Conveniently located just minutes from highly rated schools, shopping, restaurants, parks, and major commuter routes. This is a rare opportunity to create a custom residence or middle-housing development in a highly sought-after, well-established community. Buyers are advised to verify development potential and requirements with the City of Kirkland. Both exterior and interior tours are allowed. The property is vacant, so no appointment is necessary. A lockbox is available, and agents and buyers may self-tour the property.

10221 132nd Avenue NE, Kirkland

Listing courtesy of Skyline Properties, Inc..

$1,049,999
4 Beds ⋅ 4 Baths ⋅ 2566979 MLS ⋅ ACTIVE Status
New Construction-Ready Now! Welcome to the E22B at 13210 NE 127th Way Unit C in Senderos! This welcoming main entry opens to a bright foyer and dining area that flows into an open kitchen with island and pantry. The great room connects seamlessly and opens to a covered deck, creating an easy space for gathering and everyday living. A powder bath is tucked away for convenience, while the lower level offers a private bedroom with a full bath for guests. Upstairs, the primary suite feels like a quiet retreat with a spacious closet and spa-like bath. Two additional bedrooms, a shared bath, and a versatile tech area add flexibility for how you live. A 2-car garage and thoughtful storage throughout complete the home. Kirkland offers scenic parks, waterfront adventures, and unforgettable sunsets. Its vibrant downtown is filled with boutiques, local restaurants, and art galleries. With welcoming neighborhoods and close proximity to Seattle, Senderos sits in a truly special location. Additional highlights include: EV charger with GFI breaker and commercial grade outlet, keyless entry at garage door, pull-out drawers and wastebasket pull-out near sink and undermount lights under kitchen cabinets. Photos are for representative purposes only. MLS# 2566979

13210 NE 127th Way Unit #C, Kirkland

Listing courtesy of Cascadian King Company, L.L.C..

$2,275,000
4 Beds ⋅ 3 Baths ⋅ 2566231 MLS ⋅ ACTIVE Status
Welcome to a truly one-of-a-kind home in Kirkland’s desirable Rose Hill neighborhood! Thoughtfully remodeled with warmth, character and custom details throughout, this 4-bedroom home is anything but cookie-cutter. The heart of the home is the expansive chef’s kitchen featuring a professional Wolf range, generous cabinetry, farmhouse sink, stone counters and an impressive oversized island/bar with seating for six. Arched openings connect the kitchen to spacious living and dining areas, where rich hardwood floors, custom built-ins and a brick fireplace create an inviting place to gather. Multiple French doors and abundant windows bring in natural light and open to outdoor living spaces surrounded by mature greenery. A dedicated office with built-in desk and cabinetry makes working from home easy. Flexible bedroom layout includes an upstairs primary suite plus a second ensuite downstairs—ideal for guests, extended living or added privacy—along with two additional bedrooms and a hall bath. Convenient laundry with utility sink and storage. Don't miss the spacious carriage-style detached garage with attic storage and four full size doors. A distinctive Rose Hill home filled with craftsmanship, charm and spaces designed for everyday living and entertaining.

12838 NE 73rd Street, Kirkland

Listing courtesy of Better Properties Kent LLC.

$1,124,999
4 Beds ⋅ 4 Baths ⋅ 2566636 MLS ⋅ ACTIVE Status
What's Special: No Rear Neighbors | Covered Patio | Covered Rear Deck | North Facing Lot. New Construction - Ready Now! Built by Taylor Morrison, America's Most Trusted Home Builder. Welcome to the E22-B at 13202 NE 127th Court Unit D at Senderos! The main living level features an open-concept design that connects the dining area, gourmet kitchen, and expansive great room. The kitchen offers a large center island, ample counter space, and a layout ideal for entertaining and everyday living. The great room opens to a covered deck for seamless indoor-outdoor living, while a powder room adds convenience for guests. Upstairs, the private primary suite includes a spacious walk-in closet and an en-suite bath with dual vanities and a large shower. Two additional bedrooms share a full bathroom and are complemented by a versatile tech space for studying or working from home. With four bedrooms, three full bathrooms, one half bath, a covered outdoor living area, and a two-car garage, this home offers comfort, style, and functionality for modern living. Additional Highlights Include: car charger outlet, garage door digital keyless entry, and pendant lights at kitchen island. Photos are for representative purposes only. Builder broker registration policy requires, if represented, your broker register you with Community Site agent prior to OR with you, on your 1st visit. MLS#2566636

13202 NE 127th Court Unit #D, Kirkland

Listing courtesy of Cascadian King Company, L.L.C..

$1,369,000
3 Beds ⋅ 3 Baths ⋅ 2563998 MLS ⋅ ACTIVE Status
With Lake Washington just minutes away, days are made for swimming, paddleboarding, kayaking, or watching the sun sink across the water. Back home, the mid-century holds its own. They built these to last, and this one proves it: solid bones, honest craftsmanship, a floor plan that still lives beautifully today. Step through the gate into your own private oasis, wrapped in lush, landscaped gardens. Inside, a two-sided gas fireplace anchors the living room and warms the living, dining, and kitchen all at once. It's the kind of detail they built for gathering, and it still pulls people together. The circular floor plan flows room to room, with clean lines and great light, made for entertaining. Dine on the west-facing deck as the evening opens up, then settle into your private backyard retreat. Two bedrooms and a full bath sit up top, apart from the gathering spaces. Downstairs, a second fireplace framed by picture windows pulls the garden right in. The lower level earns its keep: two built-in desks for office days, homework, and projects, plus a guest bedroom, 3/4 bath, and laundry. Then the upside: close-to-permitted plans for a 5,200+ SF home convey. Live in it now, rent it out, or hold and build when the time is right. Land this close to the water rarely comes up, and plans this far along are rarer still. A solid home today, a rare opportunity tomorrow. Come see what mid-century done right still feels like.

11215 Champagne Point Road NE, Kirkland

Listing courtesy of Real Residential.

$1,377,500
4 Beds ⋅ 3 Baths ⋅ 2563262 MLS ⋅ ACTIVE Status
Enjoy refined Northwest living in this beautifully crafted Chaffey-built Craftsman, ideally positioned on a peaceful cul-de-sac in sought-after Finn Hill. Offering 2,770 sq ft, the light-filled interior welcomes you with a vaulted entry and skylight, hardwood floors, formal dining, and a glass-doored den ideal for working from home. The chef’s kitchen features white quartz countertops, stainless steel appliances, and a gas cooktop, opening seamlessly to the inviting great room with custom built-ins. Step outside to a private, fully fenced, low-maintenance backyard designed for easy relaxation and entertaining. Upstairs, the spacious primary retreat features a spa-inspired five-piece bath and expansive walk-in closet, plus three generously sized bedrooms. Central A/C and smart features including a Nest thermostat, Ring cameras, and smart switches add everyday convenience. Pre-inspected, with a community playground steps away and easy access to Lake Washington schools, Juanita Beach Park, Totem Lake, and Downtown Kirkland.

8642 NE 123rd Place, Kirkland

Listing courtesy of Windermere Real Estate/East.

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