Lacey Homes with FHA Terms

Lacey Homes with FHA Terms

Lacey: A Charming City in Thurston County, Washington

Located in Thurston County, Washington, Lacey is a charming city that offers a perfect blend of natural beauty and modern amenities. Situated in the United States, Lacey is a thriving community that provides a high quality of life for its residents.

Lacey is known for its picturesque landscapes, with stunning views of the nearby Puget Sound and the majestic Mount Rainier. The city boasts a mild climate, making it an ideal place for outdoor enthusiasts to enjoy a variety of recreational activities year-round. From hiking and biking trails to boating and fishing opportunities, Lacey offers something for everyone.

When it comes to housing options, Lacey has a range of homes available, including those with FHA terms. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible to a wider range of buyers. These loans offer flexible terms and lower down payment requirements, making it easier for individuals and families to purchase their dream homes in Lacey.

Whether you're looking for a cozy bungalow, a spacious family home, or a modern condominium, Lacey has a diverse real estate market to suit your needs. With its affordable housing options and FHA terms, Lacey provides an excellent opportunity for first-time homebuyers and those looking to invest in real estate.

In addition to its natural beauty and housing options, Lacey is also known for its excellent schools, vibrant community events, and convenient access to shopping, dining, and entertainment venues. With its welcoming atmosphere and strong sense of community, Lacey is a city that truly has it all.

If you're considering a move to the Pacific Northwest, Lacey should be at the top of your list. With its stunning landscapes, affordable housing options, and FHA terms, Lacey offers a fantastic place to call home.

Newest Lacey Homes with FHA Terms

$659,950
3 Beds ⋅ 2 Baths ⋅ 2563913 MLS ⋅ ACTIVE Status
Welcome to The Hemlock at Steilacoom Ridge! Now under construction and set to be finished in October 2026, The Hemlock plan by Rob Rice Homes is a luxury rambler that offers 2 bedrooms plus a den or optional third bedroom, 2 bathrooms, and a 2-car garage. Effortless living in this beautiful rambler, where a grand entry opens to a stunning vaulted great room designed to gather, relax, and entertain. The open-concept kitchen features Cocoa-stained Maple cabinets, a White Maple center island, stainless steel appliances, and elegant quartz surfaces throughout. Hardwood floors grace the entry, kitchen, and dining areas, while a cozy gas fireplace warms the living room. The spacious primary bedroom comes with a ceiling fan and an ensuite 5-piece bath complete with tile flooring, dual sinks, a soaking tub, and a standing shower. Landscaping in both the front and back yards, along with backyard privacy fencing included. Energy-efficient perks include a heat pump, solar panels, and a hybrid water heater. The home’s location near dining, shopping, plus minutes away from JBLM (Joint Base Lewis-McChord) offers unbeatable convenience. Local and thrusted Builder with more than 40 years of experience! Some photos are of a previous Hemlock model and/or have been digitally staged.

9636 7th Way SE, Lacey

Listing courtesy of Epic Realty.

$449,900
3 Beds ⋅ 3 Baths ⋅ 2570786 MLS ⋅ ACTIVE Status
Welcome to this beautifully designed Lexington home, featuring a dramatic floor plan and the hard-to-find convenience of a main-floor primary suite. Dramatic entry into a light and airy living room with soaring vaulted ceilings, a wall of windows, and a cozy gas fireplace framed by classic brick. The spacious kitchen offers abundant counter space, a breakfast bar, pantry and a charming nook that connects seamlessly to the partially covered patio—perfect for relaxing or entertaining while enjoying the colorful, thoughtfully landscaped yard. The spacious primary suite is tucked away for privacy and features generous closet space and a private bath. Upstairs, two large additional bedrooms provide comfortable space for guests, a home office, or a den. A conveniently located main floor laundry area, along with thoughtful features throughout, adds to the home's functionality. Ideally located near neighborhood parks, the Western Chehalis Trail, schools, shopping, and JBLM, this home offers both comfort and convenience in a desirable Lexington location.

4216 Richmond Lane SE, Lacey

Listing courtesy of Coldwell Banker Evergreen.

$479,000
2 Beds ⋅ 2 Baths ⋅ 2573596 MLS ⋅ ACTIVE Status
Ideally located in the sought-after 55+ community of Jubilee, this well-maintained home is within walking distance of the Jubilee Lodge. Situated on a large corner lot, you will enjoy greenery from every window. This beautiful rambler offers 1,285 sq. ft. of living space, featuring a spacious kitchen, a designated dining area, and a living room complete with a cozy gas fireplace. The split-bedroom layout provides flexible living arrangements, while the generous primary suite includes an ensuite bath and a walk-in closet. Step out back to your own fully fenced private oasis, which boasts a covered patio, extensive brickwork, and a convenient outbuilding. Complete with AC and a brand-new roof, this home invites you to experience everything the Jubilee community has to offer—including scenic trails, a community lodge with a fitness center, a pool, and much more—all conveniently located near local shopping and dining!

8442 Bainbridge Loop NE, Lacey

Listing courtesy of Elite Properties.

$446,700
2 Beds ⋅ 2 Baths ⋅ 2573403 MLS ⋅ ACTIVE Status
Beckonridge Rambler – True Effortless Living in LaceyDiscover this humble single-story rambler nestled in the quiet, tree-lined streets of Lacey’s sought-after Beckonridge neighborhood (part of the thoughtfully planned Rainier Park community). Designed for easy one-level living, it features open the main living space, a warm gas fireplace for Pacific Northwest evenings, and large windows that flood the home with natural light. The open flow from living to dining to kitchen feels simple and inviting, complemented by a comfortable primary suite and a practical additional bedroom.Step outside to a private patio and manageable backyard perfect for morning coffee, evening barbecues, or just listening to the birds. The real lifestyle upgrade? Your HOA handles all front-yard care—mowing, trimming, and watering—so you never have to wrestle with a lawnmower again. City of Lacey offers neighborhood playgrounds and generously improved open spaces that give the subdivision its open, residential feel. Quiet 15-mph streets add a true sense of calm.Walk or bike the scenic Chehalis Western Trail just minutes away. You’re also close to local parks, shopping, restaurants, North Thurston schools, I-5, and Joint Base Lewis-McChord. This is low-maintenance living at its best—an unpretentious, comfortable home in one of Lacey’s most livable and quietly desirable neighborhoods.

6039 Bryanston Lane SE, Lacey

Listing courtesy of RE/MAX Parkside Affiliates.

$499,950
3 Beds ⋅ 2 Baths ⋅ 2563792 MLS ⋅ ACTIVE Status
This RAMBLER is located on a cul-de-sac and offers 3br,13/4 bath, 1843 sq ft located on large lot. Huge living room picture window for natural lighting. Dining area and family room just off kitchen with large bonus room too! Mudroom with washer and dryer hookups. 2 car garage This home flows with ease. Home needs a little updating so bring your vision and put your own touches into this home. Property has a community park with a playground, basketball court, and pool fee for use of all these $190 year for entire family No HOA. Cooling and heating with 8 mo old heat pump with forced air.

522 Penguin Court SE, Lacey

Listing courtesy of Realty One Group Pacifica.

$525,000
2 Beds ⋅ 2 Baths ⋅ 2572827 MLS ⋅ ACTIVE Status
Welcome to 8325 Bainbridge Loop NE, located in the highly desirable Jubilee 55+ community in Lacey! This exceptionally clean and well-cared-for 2-bedroom, 1¾-bath home is truly move-in ready. The comfortable, thoughtfully designed floor plan offers easy living, while the newer heat pump keeps you cool during the warmer months. Enjoy the active Jubilee lifestyle, beautifully maintained surroundings, and wonderful community amenities including the pool, tennis/pickleball courts, and the clubhouse just around the corner. Conveniently located near shopping, dining, golf, parks, and everyday services. If you're looking for a clean, comfortable home in one of Lacey’s most sought-after 55+ communities, this one is ready to welcome you home! New Exterior paint in 2026. New furnace/heat pump in 2025. New interior carpet/paint 2024. New Washer/dryer 2025.

8325 Bainbridge Loop NE, Lacey

Listing courtesy of Century 21 Van Dorm Realty.

$124,950
3 Beds ⋅ 2 Baths ⋅ 2571805 MLS ⋅ ACTIVE Status
Welcome to Crestwood Park, a well-established manufactured home community in Lacey! This inviting home offers a comfortable and functional layout with plenty of natural light and several recent updates. New carpet and updated flooring were completed in 2024, while the heating and central A/C systems are approximately 1.5 years old, providing year-round comfort and added peace of mind. Enjoy spacious living areas, a practical kitchen, and easy, low-maintenance living. Conveniently located near shopping, dining, parks, public transportation, and everyday amenities, with easy access to major roadways. Move-in ready and waiting for its next owner!

4500 Ruddell Road SE Unit #39, Lacey

Listing courtesy of KW Mountains to Sound Realty.

$639,995
4 Beds ⋅ 3 Baths ⋅ 2572850 MLS ⋅ ACTIVE Status
Morel Meadows by D.R. Horton, America's #1 builder - Costco right down the street! Back right up to the community park with this location. The Sellwood Plan is well laid out with open concept living, entertain with guests while in the kitchen. Did we mention the HUGE pantry?! Hang around the large island or continue upstairs to the 3 bedrooms + large bonus room?! This bonus room has a closet as well, so use it as another bedroom is needed. Your home is featuring hard surface flooring, painted white or gray cabinets, Stainless Steel Appliances, Quartz Countertops, Heat Pump for Air Conditioning, smart home features, and a 10yr warranty?! Say less! No, actually say more...for MORE-L Meadows :) With surrounding mature trees, walking trails in the community as well as the Regional Athletic Complex Park across the street (the RAC) for all the outdoor fun/baseball/basketball/soccer and an extra row of EV charging for guests in their parking area. Great location just minutes to I-5, JBLM, shopping, unassuming local restaurants that will make this area feel like HOME! There are daily adventures to keep up with our availability. With much to be concerned with in the world today, where you hang your hat should be the least of your worries. Buyers must register their broker on first visit, including open houses. *** Ask about our $20,000 buyer bonus with our preferred lender for qualified buyers ***

8454 Ostrom Avenue SE Unit #24, Lacey

Listing courtesy of D.R. Horton.

$475,000
3 Beds ⋅ 2 Baths ⋅ 2571425 MLS ⋅ ACTIVE Status
Beautiful Lakepointe Rambler with modern upgrades. Welcome home to this inviting 3-bedroom, 2-bath rambler offering 1,458 square feet of comfortable living space on a nicely landscaped 6,685 square foot lot. This home features a large living room with vaulted ceiling and skylights. The spacious primary suite easily accommodates a king size bed, has a large walk-in closet, and a private bath with tile floor and large walk-in shower. The remaining two bedrooms are both generously sized, large enough to easily accommodate queen sized beds with ample space for additional furniture making for genuinely functional bedrooms. Recent improvements include new carpet, new mini-split heating and cooling system, interior and exterior paint, stainless steel range and dishwasher, keyless entry front door, and digital thermostat. The fully fenced backyard is perfect for relaxing or entertaining. Showcasing a 6 person hot tub surrounded by trees and shrubs, creating a relaxing retreat where you can unwind at the end of the day. Outdoor recreation awaits you less than one block away at Lakepointe park. Whether it’s pickleball, basketball, tennis, or simply the paved 1/2 mile loop, this park has plenty to offer. Lakepointe neighborhood is in the North Thurston county schools district, with quick access to Lakes Elementary, Komachin Middle and Timberline High Schools as well as an easy commute to JBLM. It is also conveniently located near several shopping and dining options.

6301 61ST Avenue SE, Lacey

Listing courtesy of homecoin.com.

$739,999
2 Beds ⋅ 2 Baths ⋅ 2572604 MLS ⋅ ACTIVE Status
What's Special: Oversized Closet in Primary | West Facing Patio | Covered Patio | Gourmet Kitchen. New Construction - October Completion! Welcome to the Walnut II at 2923 Balsamroot Drive SE in Ovation at Oak Tree! Welcome to this thoughtfully designed single-story home where comfort and functionality come together seamlessly. The open-concept gourmet kitchen, dining area, and great room create a bright and welcoming space for gathering, while the covered patio extends your living area outdoors. The private primary suite is tucked away at the back of the home and features a spacious walk-in closet and an elegant en-suite bath. Two secondary bedrooms and a flexible space offer versatility to fit your lifestyle. A convenient laundry room, ample storage, and a 2-car garage complete this beautifully balanced floor plan. Experience a vibrant 55+ lifestyle surrounded by natural beauty at Ovation at Oak Tree. Explore a scenic 40-acre Oak Preserve with walking trails, enjoy resort-style amenities, and connect with neighbors at the Villages Club and Pavilion Club. Stay active with an indoor pool, fitness center, pickleball, bocce ball, a dog park, and more. Additional Highlights Include: gas cooktop, 8' interior doors, gas line for BBQ and pre-plumed for laundry sink. 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#2572604

2923 Balsamroot Drive SE, Lacey

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

$685,000
4 Beds ⋅ 3 Baths ⋅ 2572502 MLS ⋅ ACTIVE Status
Welcome to this beautiful, meticulously cared for home tucked into the desirable Hawks Prairie community. Step inside to an airy, open floor plan where the kitchen, dining and living spaces flow effortlessly together- perfect for both everyday living and entertaining. With 4 bedrooms, a dedicated office and a massive bonus room, there’s room to work, gather, play and unwind. At the end of the day, retreat to the impressive primary suite with vaulted ceilings, a cozy fireplace and private outdoor balcony. An oversized walk-in closet and spa-inspired 5-piece bath with a large soaking tub complete the retreat. New carpet and a new roof add peace of mind. The outdoor living space opens to a private, easy-care yard. The garage is deceivingly big and has a very deep tandem stall that has to a back door that leads to the yard. Right down the road, enjoy 2 pickleball courts, a huge soccer field, basketball court, playgrounds for all ages and scenic trails leading all the way to the community’s private beach. This is more than a home, it’s a lifestyle.

7728 Keystone Avenue NE, Lacey

Listing courtesy of Keller Williams Realty.

$435,000
3 Beds ⋅ 2 Baths ⋅ 2570775 MLS ⋅ ACTIVE Status
Welcome to a thoughtfully updated home in Horizon Pointe that delivers comfort, functionality, & style in a smartly designed 2-story layout. Main floor features a welcoming living room w/ built-in surround sound, convenient half bath, laundry, & beautifully refreshed kitchen w/ abundant cabinetry, lighting above & below cabinets, dedicated pantry storage, hard-surface counters, tile flooring, newer appliances, & gas range. A cozy dining area in kitchen creates the perfect spot for everyday meals. Upstairs all 3 bedrooms offer ceiling fans, while the spacious primary suite features a walk-in closet & its own separate access to the full bath. Additional hall & entry closets provide excellent storage. Recent updates also include newer LVP flooring throughout, interior recently painted, light fixtures, glass security door which switches to screen door, & wired for 9600-watt generator (powering whole home minus dryer), bringing a fresh modern feel throughout. Double-pane windows & newer central AC add to year-round comfort. Outside enjoy a fully-fenced backyard w/ a generous lawn & storage shed; plus a low-maintenance landscaped front yard. Attached garage offers parking or flexible storage space. Room for 2 cars in driveway & rock area. Nearby parks and fields, dining, shopping, & entertainment make everyday living easy, w/ a convenient commute to JBLM. Walking distance to Chambers Prairie Elementary & Cap City Golf Course. This is a home that truly makes the most of every space!

5715 Vermont Avenue SE, Lacey

Listing courtesy of MVP Realty Group.

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