Oak Harbor Homes with FHA Terms

Oak Harbor Homes with FHA Terms

Welcome to Oak Harbor, a charming city located in Island County, Washington, USA. Known for its stunning natural beauty and vibrant community, Oak Harbor offers a unique blend of small-town charm and modern amenities.

If you're looking to make Oak Harbor your home, you'll be pleased to know that there are plenty of homes available with FHA terms. Whether you're a first-time homebuyer or looking to upgrade to a new property, FHA loans can make your homeownership dreams a reality. With lower down payment requirements and flexible credit score guidelines, FHA loans are a popular choice for many homebuyers in Oak Harbor.

Imagine waking up to the serene views of Puget Sound or exploring the picturesque Deception Pass State Park on the weekends. In Oak Harbor, you'll have easy access to outdoor recreational activities, local shops, restaurants, and top-rated schools.

Don't miss the opportunity to own a piece of this thriving community with homes available with FHA terms. Contact us today to explore the real estate options in Oak Harbor and find the perfect home that fits your lifestyle and budget.

Newest Oak Harbor Homes with FHA Terms

$620,000
4 Beds ⋅ 3 Baths ⋅ 2574903 MLS ⋅ ACTIVE Status
Welcome to this beautifully designed 4-bedroom, 2.5-bath home in desirable Harbor Vista Estates, offering neighborhood views toward Mt. Baker and Oak Harbor. A covered front porch welcomes you into a light-filled interior with a comfortable, flowing floor plan. The spacious living room features a gas fireplace and connects easily to the dining area and kitchen, creating an inviting setting for everyday living and entertaining. The kitchen offers granite countertops, stainless steel appliances, bar seating, a butler’s pantry, and new flooring. The main-level primary suite provides a peaceful retreat with dual closets and a spacious five-piece bath. A second bedroom and half bath on the main floor offer flexibility for guests, office space, or multigenerational living. Upstairs, two additional bedrooms and a versatile bonus/flex space provide room to accommodate a variety of needs. Enjoy easy indoor/outdoor living with sliding doors opening to the patio and fenced backyard, complemented by mature landscaping and space for gatherings or quiet relaxation. The attached 3-car garage and extended driveway provide excellent parking and storage, including RV parking. Conveniently located near Oak Harbor amenities, schools, NAS Whidbey Island, and the many recreational opportunities of Whidbey Island.

2140 SW Vista Park Drive, Oak Harbor

Listing courtesy of Acorn Properties, Inc.

$579,999
3 Beds ⋅ 2 Baths ⋅ 2573765 MLS ⋅ ACTIVE Status
Nestled on a corner lot of over 1.25 acres of North Whidbey Island, this solid, well-loved rambler delivers something increasingly rare: real space to spread out — inside and out. The big-ticket updates are already done. New roof, new windows, and an upgraded A/C unit mean you're walking into a home that's been maintained with intention. Inside, 1,668 square feet of single-level living flows from a spacious main living area with vinyl floors through to a functional kitchen with stainless appliances, skylights, and plenty of cabinet storage. Wood-paneled accents and built-ins throughout give the home a warm, grounded character. Step outside and the property really opens up. A large covered sunroom off the back of the house offers year-round outdoor living with views of the expansive, park-like backyard, which is fully fenced with an underground wired dog fence (collars included). The lawn is lush and well-kept, with mature evergreens providing natural privacy on all sides. The detached shop/garage is a standout feature: large enough to house an RV (one in garage is for sale), with room for vehicles, projects, or gear. Whether you're a contractor, outdoors enthusiast, or just someone tired of not having enough space—this building delivers. Carport, high-speed internet, and all the infrastructure you'd want on an acreage of flat, well-kept property. No HOA. Close to NAS Whidbey, shopping, and Oak Harbor schools.

3343 Garfield Court, Oak Harbor

Listing courtesy of COMPASS.

$421,000
3 Beds ⋅ 1 Baths ⋅ 2573965 MLS ⋅ ACTIVE Status
Welcome to 988 Ridgeway Dr! This charming 3-bedroom, 1-bath rambler offers comfortable single-level living with thoughtful updates and exceptional outdoor space. The inviting living room features a cozy gas fireplace, while the kitchen offers oak cabinetry with convenient pull-out drawers and an adjoining dining area with a slider leading to the large deck—perfect for entertaining or enjoying summer evenings outdoors. The updated bathroom adds to the home's move-in-ready appeal. Outside, you'll find a spacious fenced backyard with plenty of room to garden, play, relax, or create your own outdoor retreat. A 16' x 20' powered shop provides valuable workspace and storage, complemented by an additional 10' x 10' shed, covered carport, and RV parking. Situated on approximately .29 acres in an established Oak Harbor neighborhood, this property offers a great combination of indoor comfort, versatile outbuildings, and usable outdoor space. Conveniently located near Fort Nugent Park, shopping, dining, and just a short drive to NAS Whidbey Island. Whether you're looking for your first home, a place with room for hobbies and projects, or simply a property with excellent outdoor potential, 988 Ridgeway Dr is ready to welcome you home.

988 Ridgeway Drive, Oak Harbor

Listing courtesy of Better Homes&Gardens McKenzie.

$474,900
3 Beds ⋅ 2 Baths ⋅ 2573920 MLS ⋅ ACTIVE Status
Beautifully updated 3 bedroom 1.5 bath home. Nice neighborhood with sidewalks and park across the street. Close to schools, Base and town. This one story home has new interiors from Kitchen and appliances to flooring to paint and bathrooms, doors and trim... Many special touches have been done to make this house a home. The Family room can be an at home office or a 4th bedroom. Newly installed heat pump saves on energy costs and services the whole house. Both front and back yards are fully fenced. The back yard has many features to enjoy, very large covered deck, paver patio, shed, big grass area for play or garden. There is RV power in the side yard. Whether you are downsizing or just starting out, this home has what you need. Come enjoy Whidbey the right way.

467 NW 8th Avenue, Oak Harbor

Listing courtesy of Keller Williams Western Realty.

$335,000
2 Beds ⋅ 2 Baths ⋅ 2573536 MLS ⋅ ACTIVE Status
Looking for a home that lets you skip the honey-do list and get straight to enjoying life? This charming 2-bedroom, 2-bath condo makes easy living look good! Fresh paint and updated flooring give the home a bright, move-in-ready feel, while the open-concept layout makes entertaining a breeze. The kitchen is ready for action with plenty of counter space, stainless steel appliances, and lots of cabinets to keep everything neatly tucked away. Step right out to your covered patio for morning coffee, evening relaxation, or simply enjoying a little fresh air. And let's talk convenience! The attached garage keeps your car happy and makes unloading groceries a whole lot easier. Being a ground-floor condo means no stairs to climb, and the HOA takes care of the common areas, lawn service, water, sewer, and garbage. That's a whole lot of "not your problem"! Close to town, shopping, and NAS Whidbey, this condo puts you right where you want to be. Whether you're looking for a place to call home or a low-maintenance getaway from the never-ending list of chores, this one checks all the boxes.

30875 State Route 20 Unit #A101, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$569,000
3 Beds ⋅ 2 Baths ⋅ 2572979 MLS ⋅ ACTIVE Status
Enjoy a brand-new 3-bedroom, 2-bath manufactured home on three private acres in a beautiful North Whidbey setting. Set at the end of a private drive shared with just a few neighbors, this property combines privacy and mature evergreens with convenient access to Oak Harbor and NAS Whidbey Island. The home sits in a cleared portion of the property overlooking neighboring fields, creating an open, sunny setting with plenty of natural light. Inside, the open-concept kitchen features modern wood cabinetry, upgraded stainless steel appliances, and a generous island. Spacious living and dining areas provide a comfortable setting for everyday living and entertaining. The primary suite features a private bath and sizable walk-in closet. Two additional bedrooms are located at the opposite end of the home and share the full main bathroom. Enjoy gardening space, RV parking, mature evergreens, and room to make the property your own. The home is onsite with final assembly and finish work underway and is expected to be ready by the end of September. Some photos are virtual examples of the home and finishes. The property is close to NAS Whidbey Island and experiences frequent military jet traffic. The home meets Island County’s required 30-decibel noise level reduction standard, including enhanced insulation and construction designed to reduce interior aircraft noise. Contact your agent or the listing broker to arrange a tour.

4063 Lambourn Lane, Oak Harbor

Listing courtesy of Windermere RE Anacortes Prop..

$522,500
3 Beds ⋅ 1 Baths ⋅ 2573024 MLS ⋅ ACTIVE Status
Welcome to this beautiful 3-bedroom home with an incredible outdoor setting! The stylish kitchen features shaker cabinetry, quartz countertops, stainless steel appliances and updated lighting, while the modern bath is conveniently located adjacent to the primary bedroom. Enjoy year-round comfort with high-end double-pane windows and A/C. Gather around the cozy fireplace in the spacious living room or step outside to the showstopping backyard. Fully fenced with charming farmhouse-style hog wire fence panels, this private, terraced retreat offers a large lawn, expansive patio and plenty of space to entertain, garden, play or simply unwind. A 1-car garage plus additional space for RV parking and recreational toys adds versatility. Tucked into a private setting while still convenient to Oak Harbor amenities and not located in the flight path, this property offers beautiful outdoor living, thoughtful updates, zero down payment financing options, and low property taxes—a combination that's hard to find!

1808 Wellington Drive, Oak Harbor

Listing courtesy of John L. Scott Skagit.

$799,000
4 Beds ⋅ 3 Baths ⋅ 2572205 MLS ⋅ ACTIVE Status
Wake each morning to breathtaking sunrises over Skagit Bay, with sweeping views of Mount Baker, Hope and Goat Islands creating an ever-changing backdrop. Perfectly positioned between Deception Pass and Dugualla State Parks, this beautifully updated home offers the ideal blend of comfort, scenery, and Whidbey Island lifestyle. Situated on approximately one acre, this move-in-ready 4-bedroom, 2.5-bath home has been extensively refreshed with new LVP flooring on the main level, new carpeting on the lower level, fresh interior paint, updated lighting, and an enhanced eat-in kitchen featuring a new sink, faucet, dishwasher, and electric cooktop. Offering approximately 2,600 square feet, the thoughtfully designed floor plan includes generous living and dining spaces positioned to capture the spectacular views, a spacious family room, flexible lower-level living, and a dedicated sewing/crafts room that also serves beautifully as a home office. Step onto the expansive east-facing deck to enjoy sunrise coffee, outdoor entertaining, wildlife watching, and moonlight reflecting across the bay. Blooming trees provide seasonal beauty, while the oversized 3-car garage offers exceptional storage and workspace. With panoramic water and mountain views, meaningful updates throughout, and approximately one acre of beautifully situated property, this exceptional home is ready to be enjoyed from day one.

4444 Norris Lane, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$575,000
3 Beds ⋅ 3 Baths ⋅ 2572193 MLS ⋅ ACTIVE Status
Whidbey living can be yours in this fun & functional 2,094 sf home. Centrally located, the move-in ready 3 bed/3 bath home is sure to tick all the boxes. The main level shines with a welcoming living room, transitional dining area, & nice kitchen featuring a professional-grade range & hood, stainless steel appliances, abundant counter space and storage, & clever built-ins. The primary suite captures the pretty natural light & distant views, offers a walk-in closet, & 3/4 bath. A laundry room w/built-in folding station is a wonderful bonus, & an additional bedroom & full bath complete the upper level. Head downstairs to the light-filled daylight basement, where a cozy family room anchored by a free-standing wood burning stove invites you to relax. A sunny den/bonus room, 3/4 bath, generous storage, & spacious bedroom provide room for everyone. A separate-entry into the storage/workroom offers the flex space every homeowner covets. The home is pre-wired for sound, features a built-in central vacuum, new hot water heater, new interior & exterior paint, & eight y/o roof. Outside, a flagstone entry framed by garden beds & a patio create a welcoming arrival. A woodshed w/stacked wood, propane tank, & storage shed are included for the new owner. A state-of-the-art septic system to be installed early September ensures longevity & peace of mind. Enjoy everything the Rolling Hills community offers: pool, private dock, beach & pier access, sports courts, ball field, & clubhouse.

1002 Carl Avenue, Oak Harbor

Listing courtesy of Windermere Whidbey Island.

$549,000
3 Beds ⋅ 2 Baths ⋅ 2572435 MLS ⋅ ACTIVE Status
Welcome to Woodglen Estates, where a beautifully kept pocket of homes is tucked into the desirable west side of Oak Harbor. This fantastic single-level home offers 3 bedrooms, 2 bathrooms, and a light-drenched living and dining area. Enjoy the living room's propane fireplace during colder months or step out back to the fully-fenced backyard w/ large (and partially covered) back deck. Need more? Newly renovated bathroom, skylights, vaulted ceilings, walk-in pantry, & spacious laundry room. Head out on trail walks just beyond the back fence, take a quick drive to NAS Whidbey, town and amenities, or enjoy nearby parks & beaches. Take advantage of a $5000 credit to update carpets or your own improvements. Homes in this neighborhood are rarely available!

2042 Doe Drive, Oak Harbor

Listing courtesy of Real Broker LLC.

$589,000
3 Beds ⋅ 3 Baths ⋅ 2571758 MLS ⋅ ACTIVE Status
Welcome to Crosby Commons and the relaxed lifestyle of Whidbey Island. Offering 3 bedrooms, 2.5 baths, and 1,940 sq. ft. This thoughtfully designed home features a sought-after main-floor primary suite with a walk-in closet and private bath. The bright, open living area is centered around a cozy gas fireplace. Step outside to the deck and terraced garden, with plenty of room to relax, entertain, or create your own outdoor retreat. Newer LVP flooring adds style and easy maintenance to the main level. Upstairs, two additional bedrooms and a full bath provide flexible space for guests, hobbies, or a home office. The garage offers a workbench and plenty of storage, with a garden shed providing additional space for tools and outdoor gear. Beyond the front door, enjoy everything that makes Oak Harbor and Whidbey Island special—waterfront parks, beaches, boating, hiking, local restaurants, community events, and incredible Pacific Northwest scenery. Conveniently located near downtown Oak Harbor and NAS Whidbey Island, with Deception Pass and endless island adventures just a short drive away.

961 NW Longview Drive, Oak Harbor

Listing courtesy of Goldhouse Realty.

$875,000
4 Beds ⋅ 3 Baths ⋅ 2572379 MLS ⋅ ACTIVE Status
Escape to your own private oasis among the trees. Nestled in the secluded Whidbey Highlands neighborhood, this special property offers privacy, natural beauty, and an abundance of space for comfortable living. The main-floor primary suite features a private bath and its own deck—an ideal spot to start the morning with coffee while taking in the view. Upstairs, two additional bedrooms and an office provide flexible space for working from home, guests, or hobbies. The lower level expands the possibilities with two more bedrooms and a bonus room, creating plenty of room for guests, recreation, or multi-generational living. The hidden workshop beneath the deck offers a unique space for projects, tools, or hobbies. Outside, the natural beauty of Whidbey Island surrounds you. A returning mated pair of bald eagles adds a truly special touch to this peaceful setting, making their home among the surrounding trees. Enjoy nearby Dugualla State Park, beaches, boating, hiking, wildlife, local restaurants, community events, and the spectacular scenery that makes island living so special. Downtown Oak Harbor and Naval Air Station Whidbey Island are within convenient reach, while Deception Pass State Park and countless outdoor adventures are just a short drive away. Make every day feel like a getaway in your own Whidbey Island retreat.

780 Greenoch Loop, Oak Harbor

Listing courtesy of Goldhouse Realty.

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