Lacey Homes with Assumable Terms

Lacey Homes with Assumable Terms

Located in Thurston County, Washington, Lacey is a charming city that offers a wonderful quality of life. With its proximity to the state capital, Olympia, Lacey provides residents with easy access to a wide range of amenities and opportunities.

Lacey is known for its beautiful natural surroundings, including numerous lakes, parks, and trails. The city is home to the Nisqually National Wildlife Refuge, where visitors can observe a variety of bird species and other wildlife in their natural habitat. The nearby Capitol State Forest also offers opportunities for hiking, biking, and camping.

One of the unique features of the real estate market in Lacey is the availability of homes with assumable terms. This means that when you purchase a home with assumable terms, you can take over the existing mortgage from the seller. This can be advantageous for buyers as it allows them to potentially secure a lower interest rate and avoid some of the closing costs associated with obtaining a new mortgage.

Homes with assumable terms can be an attractive option for both buyers and sellers. Buyers benefit from the potential cost savings, while sellers may find it easier to attract buyers and sell their homes quickly.

If you're considering buying a home in Lacey, exploring the options of homes with assumable terms could be a smart move. With its desirable location, natural beauty, and unique real estate opportunities, Lacey is a city that offers a great place to call home.

Newest Lacey Homes with Assumable Terms

$524,000
3 Beds ⋅ 3 Baths ⋅ 2559473 MLS ⋅ ACTIVE Status
$7500 SELLER CREDIT!! Rad? Absolutely. Groovy? Without a doubt. But that's not the only reason the vibes are so chill. Thanks to CENTRAL AIR CONDITIONING, you'll stay cool while everyone else is shopping for fans this summer. This beautifully updated 1959 home offers 1,938 SF, 3 bedrooms plus a den, and 2.5 baths on nearly half an acre. The covered patio overlooks an expansive backyard with room for a future shop, gardens, play, or all three, while the oversized garage loft is ready to become your workshop, home gym, art studio, or the place where every DIY project begins. Just one block from the neighborhood pool and playground, you'll enjoy the best of both home and community. Timeless style, modern comfort, and just the right amount of cool. Updates include flooring, trim, doors, lighting, interior paint, roof (2018), electrical panel (2021), on demand water heater (2021), and that cold central A/C everyone will be envious of.

329 Wildcat Street SE, Lacey

Listing courtesy of Epique Realty.

$675,000
3 Beds ⋅ 3 Baths ⋅ 2556249 MLS ⋅ ACTIVE Status
Mid-Century home located moments from Hicks Lake Boat Launch and Wanschers Park. Sitting on 3/4 of an acre with a fully fenced back yard, U shaped driveway with room for all your friends to come hang out, more than enough room to park your boat & RV w 50amp plug in. Light and bright interior with hardwood floors, A/C for these hot summer months, a gas and wood fireplace for upcoming winter months, walk-in pantry, double stainless steele ovens, updated kitchen with eating bar and separate dining area. Upstairs primary bedroom with full bath, 2 guest rooms w tiled 3/4 bath in hallway. Fully finished daylight basement has a 1/2 bath, HUGE laundry room with outside access, 2 additional rooms and plenty of storage. Refreshed exterior paint, custom under awning lights, gorgeous garage doors, black cyclone fence with double gate, workshop area in garage and generator hook up. This place has it all including an ASSUMABLE VA loan at 2.875% This place is worth taking a look at, tons of charm and pretty dang cool!

6206 Shady Lane SE, Lacey

Listing courtesy of Virgil Adams Real Estate, Inc..

$389,900
3 Beds ⋅ 3 Baths ⋅ 2552213 MLS ⋅ ACTIVE Status
It's your lucky day! This immaculate 3 bedroom 2.5 bathroom townhome in Rainier Crossing with rare primary bedroom on main level will appeal to even the pickiest of buyers! Many recent updates including new flooring throughout - carpet upstairs and luxury vinyl on main, new water heater in 2026, furnace is a few years old, 6 panel doors, new stove, dishwasher & fridge. The open layout is sure to impress and the private fully fenced patio that doubles as catio is the icing on the cake! Oh but wait ~ there's more! Seeking peace and quiet? This location is ideal ~ a block to Western Chehalis trail yet only minutes away via car to I-5, Costco, restaurants and easy commute to JBLM. Welcome Home! Seller’s mortgage pmt is ~$1758/mo (3.125% interest); seller is open to considering strong assumption offer with $10K price premium.

6620 Millstone Lane SE Unit #L104, Lacey

Listing courtesy of John L. Scott Dupont.

$499,999
4 Beds ⋅ 3 Baths ⋅ 2551772 MLS ⋅ ACTIVE Status
Welcome home to this beautiful 4-bedroom, 2.5-bath home in the desirable Pattison Lake community! Filled with natural light, this inviting home offers 1,860 sq ft of functional living space designed for everyday comfort and entertaining. The open-concept kitchen overlooks the main living and dining areas, creating the perfect gathering space for friends. Durable vinyl plank flooring adds style and easy maintenance throughout the main living areas. Upstairs, you'll find generously sized bedrooms, including a spacious primary suite featuring a private en suite bath and ample walk-in closet space. Step outside to enjoy the fully fenced backyard, ideal for pets, play, gardening, or summer BBQs. A roof-mounted solar system helps offset electricity costs, providing long-term energy savings, while the attached 2-car garage offers plenty of storage and convenience. Located just minutes from Pattison Lake, parks, shopping, schools, and easy commuting routes to JBLM, this home combines comfort, efficiency, and an exceptional location. Even better, eligible buyers may take advantage of a VA assumable loan at an attractive 5.75% interest rate, presenting a rare opportunity in today's market!

6549 Steamer Drive SE, Lacey

Listing courtesy of Operation Red Dot.

$509,000
4 Beds ⋅ 3 Baths ⋅ 2545028 MLS ⋅ ACTIVE Status
**ASSUMABLE VA 3.25% INTEREST RATE!!** Comfort and convenience align in this generously designed home featuring 4 bedrooms, an additional office/den on the main floor, bonus loft upstairs, & luxurious primary en suite! Accommodations abound in the multiple rooms this home offers, including a separate work-from-home space! Kitchen design delights w wood floors, granite slab counters, rich wood cabinets, stainless appliances, & dedicated pantry, open to the family room where a gas fireplace & side windows bring comfort & light. A welcoming living room at entry offers an alternative gathering or play space, while the office provides a flex room to meet a variety of needs. Upstairs, the primary suite brings a relaxing vibe w its vaulted ceilings, dual vanity, soaker tub, glass door shower, & walk-in-closet. The bonus area in the loft speaks complete comfort for all, with 3 additional bedrooms & full bathroom along the perimeter and a dedicated laundry room conveniently situated near the primary. The covered front & back aggregate patios are welcoming and easy to enjoy--this corner lot allows for a very private back patio experience surrounded by greenery, unique to this beautiful home! Fresh exterior paint & the recent addition of AC mean comfort & peace of mind. Join the lovely community of SummerWalk w its tree-lined streets, neighborhood parks, & nearby Rainier Vista community park and sports complex, along with shopping, eateries, & schools; JBLM just minutes away.

5200 54th Avenue SE, Lacey

Listing courtesy of RE/MAX Northwest.

$805,000
5 Beds ⋅ 3 Baths ⋅ 2540173 MLS ⋅ ACTIVE Status
Welcome to the highly sought-after Campus Fairways golf course community! This beautifully maintained 5-bedroom, 3-bath home offers 2,710 square feet of thoughtfully designed living space on a desirable interior lot near the 13th and 14th fairways of The Woodlands Golf Course. Step inside to discover an open and inviting floor plan featuring a spacious kitchen with a massive granite island, abundant cabinetry, and seamless flow into the dining and living areas—perfect for entertaining or everyday living. The main floor includes a bedroom and a full bathroom with a walk-in shower, offering flexibility for guests, multigenerational living, or a home office. Upstairs, you'll find generously sized bedrooms and plenty of space for everyone to spread out. Stay comfortable year-round with central A/C while enjoying the peace of mind of a new water heater and an EV charger already installed. One of this home's standout features is the fully owned solar panel system, providing significant energy savings on heating and cooling costs with the potential for utility rebates. Step outside to the covered patio overlooking the fully fenced backyard, complete with front and back sprinkler systems—creating the perfect space for outdoor gatherings, gardening, or simply relaxing. Ideally located close to golf, parks, shopping, restaurants, JBLM, and I-5, this exceptional home offers the perfect combination of space, comfort, efficiency, and an unbeatable location. Welcome Home!

4238 Campus Drive NE, Lacey

Listing courtesy of Century 21 Van Dorm Realty.

$479,950
3 Beds ⋅ 3 Baths ⋅ 2539270 MLS ⋅ PENDING - BACKUP OFFER REQUESTED Status
Welcome to this beautifully maintained 3-bedroom, 2.5-bath home on a spacious corner lot in the desirable Lancaster community. Bright, inviting living spaces and thoughtful updates throughout create a warm, move-in ready home. Recent improvements include painted white interior doors and trim, updated satin nickel hardware and lighting, updated bathroom fixtures and newer stainless steel appliances. The functional floor plan offers generous living and dining areas anchored by a cozy gas fireplace, while the kitchen features abundant cabinet and counter space, a breakfast bar and plenty of room for everyday living or entertaining. Upstairs, the spacious primary suite offers a walk-in closet and private bath, accompanied by two additional bedrooms, a full guest bath, and a convenient upstairs laundry room. Step outside to the fully fenced backyard with a deck, mature landscaping, and plenty of space to relax, entertain, garden or enjoy time with pets. The attached two-car garage features durable epoxy floors for a clean, finished look. Residents enjoy nearby parks, playgrounds, basketball court, and walking paths throughout the Lancaster community. Conveniently located just minutes from shopping, dining, schools, JBLM, and major commuter routes, this home offers the perfect combination of comfort, convenience, and neighborhood charm.

8022 26th Avenue SE, Lacey

Listing courtesy of Wilcox Real Estate.

$459,997
3 Beds ⋅ 3 Baths ⋅ 2538883 MLS ⋅ ACTIVE Status
Here is your true must-see home on a quiet, tree-lined street. This wonderful, low-maintenance home is beautifully kept and turnkey ready for you to make it yours! You will love the bright and inviting floorplan, the chef's kitchen with tons of cupboards and counter space... Plus, it has a large eating bar and a full pantry. This home is well laid out and truly maximizes space. Upstairs, you'll find a good-sized Primary Suite with a tray ceiling, a walk-in closet, and a private bathroom. All bedrooms with ceiling fans, upstairs laundry - super convenient! Attached 2-car garage with alley access, fully fenced yard with turf, and an entertaining patio area for summer bbq's. Ideally located in the desirable Campus Pointe of Meridian Campus Community! Great location close to shopping, restaurants, I-5, JBLM, Schools, parks, and golf courses nearby! Assumible VA Loan

8712 Oslo Lane NE, Lacey

Listing courtesy of Abbey Realty Inc.

$465,000
3 Beds ⋅ 3 Baths ⋅ 2526778 MLS ⋅ ACTIVE Status
Welcome to this adorable 3-bed, 2.5-bath home with an open-concept layout perfect for everyday living. The stylish kitchen flows seamlessly into the dining and living areas, creating a warm and inviting space with engineered wood flooring. Bright and open, the kitchen features stainless steel appliances and a walk-in pantry. The main floor also offers two separate living areas, giving you flexibility for a second lounge, playroom, or spacious home office. Upstairs, the primary suite includes a private bath and walk-in closet, while two additional generously sized bedrooms share a full guest bath. A convenient upstairs utility room adds to the home’s practical layout. Outside, enjoy the fully fenced side yard with an extended patio and low-maintenance turf—ideal for relaxing. HOA-maintained front landscaping makes for easy living, while the community amenities truly set this neighborhood apart, featuring pickleball courts, parks, trails, athletic courts, beach access, and more. Conveniently located near shopping, dining, golf, I-5, and JBLM, this home offers the perfect mix of comfort, convenience, and community in one of Lacey’s most popular neighborhoods. VA Assumable Loan @ 5.75%

7604 Traditions Avenue NE, Lacey

Listing courtesy of Century 21 Van Dorm Realty.

$537,500
3 Beds ⋅ 2 Baths ⋅ 2500286 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated rambler, where comfort, style, and convenience come together in one of the area's most desirable locations. Thoughtfully designed with a split-bedroom floor plan and an open-concept living space, this home is perfect for everyday living and effortless entertaining. Gather around the cozy gas fireplace, or enjoy quiet evenings in your private primary retreat featuring a spa-inspired ensuite with double vanities, a relaxing soaking tub, separate walk-in shower, and spacious walk-in closet. Major updates—including a new A/C system and hot water heater—provide peace of mind, allowing you to simply move in and start enjoying your new home. Step outside and experience the best of the neighborhood, with convenient access to JBLM, schools, shopping, dining, parks, and I-5. Whether you're commuting, exploring the community, or relaxing at home, this location offers the lifestyle you've been looking for. Homes that combine modern updates, an ideal floor plan, and an unbeatable location don't come along often. Come experience it for yourself—you'll understand why this is the one you've been waiting for.

9120 Kelly Court NE, Lacey

Listing courtesy of Think Frink Home Team.

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