Pacific Beach Homes with FHA Terms

Pacific Beach Homes with FHA Terms

Pacific Beach is a charming coastal city located in Grays Harbor County, Washington, in the United States. With its breathtaking natural beauty, Pacific Beach offers residents and visitors a peaceful and idyllic setting to call home.

Nestled along the Pacific Ocean, this seaside community is known for its pristine sandy beaches, stunning sunsets, and a laid-back lifestyle. Whether you are an outdoor enthusiast or simply enjoy relaxing by the water, Pacific Beach has something for everyone.

If you are considering purchasing a home in Pacific Beach, you'll be pleased to know that there are options available with FHA terms. The Federal Housing Administration (FHA) offers loans that are designed to make homeownership more accessible, particularly for first-time buyers or those with lower credit scores. These loans often have more flexible lending requirements and lower down payment options, making them an attractive choice for many homebuyers.

With FHA terms, you can find a home in Pacific Beach that fits your budget and lifestyle. Whether you prefer a cozy beach cottage or a spacious modern home, there are properties available that meet the FHA loan criteria.

So, if you've been dreaming of living near the ocean and want to make Pacific Beach your home, explore the options available with FHA terms. Contact a local real estate agent who specializes in FHA loans to help you navigate the process and find your perfect home in this beautiful coastal city.

Newest Pacific Beach Homes with FHA Terms

$1,545,000
4 Beds ⋅ 4 Baths ⋅ 2550687 MLS ⋅ ACTIVE Status
Perfectly positioned just a short stroll from downtown Seabrook and an easy walk to the beach, this beautifully appointed coastal retreat offers the rare privilege of strolling to Seabrook's restaurants, shops, grocery, and beach, then returning to the peace, privacy, and serenity of your own forest retreat. Thoughtfully designed with 4 bedrooms including 2 primary suites, 3.5 baths, an open-concept floor plan, and multiple gathering spaces, it's ideal for weekend escapes, extended stays, or full-time living. Enter the light-filled great room where a dramatic wall of windows showcases tranquil forest and ocean views, creating an unforgettable backdrop for everyday living and entertaining. Those same serene views are also enjoyed from the main-level primary suite and the lower-level primary bedroom. Expansive covered outdoor living areas invite morning coffee, outdoor dining, or relaxing in the private covered hot tub surrounded by nature. Every season brings a new masterpiece as sunlight filters through the forest canopy toward the Pacific beyond. After a day at the beach, gather around the community fire pit or retreat to the spacious recreation room for games and movies. Offered with most furnishings, including outdoor furniture, hot tub, and BBQ, this turnkey home also offers a strong vacation rental history. Wake to birdsong, unwind to the sound of distant waves, and discover why this is one of Seabrook's most exceptional coastal retreats.

56 Hidden Cove Loop, Pacific Beach

Listing courtesy of Windermere R.E. Northeast, Inc.

$1,650,000
4 Beds ⋅ 5 Baths ⋅ 2549808 MLS ⋅ ACTIVE Status
Make lifelong memories in this beautifully updated 3-story Seabrook home, where coastal days unfold with ease. Start with coffee on the covered porch, cozy even on overcast mornings, then wander into town, just two blocks away, for shopping, browsing, and a little Seabrook exploring. Spend the afternoon beachcombing, watching happy dogs race along the sand, playing pickleball, hiking and biking the extensive trail system, or swimming outdoors year-round in the heated pool. Back at home, BBQ on the deck and gather around the large dining table for games, meals, and long weekend conversations. Don’t feel like cooking? Head back into town for crowd-pleasing food at one of the local eateries. After salty-air adventures, the private firepit and hot tub are ready to warm you. The 3rd floor offers a fun hangout space for video games while others catch the Sunday game downstairs. With sleeping space for 11, it is easy to invite friends for the weekend and still have room to spread out. A detached 2-car garage with EV charging makes the quick trip home simple, just about three hours from Seattle. Fully furnished and ideally located near town and trails, this Seabrook retreat is ready for weekends, extended stays, full-time living, or vacation rental use.

14 Campfire Lane, Pacific Beach

Listing courtesy of Windermere Real Estate/East.

$1,480,000
4 Beds ⋅ 4 Baths ⋅ 2549622 MLS ⋅ ACTIVE Status
Rare opportunity to own one of Seabrook's original homes in the highly sought-after West Hill Park neighborhood. Perched above Northwest Glen with a front-row position just moments from Town Center, beaches, shops, dining, and community amenities. Situated on a private, fully fenced 5,300 sq. ft corner lot, the property features a detached garage, expansive wraparound porch, sunset views, and a private hot tub. Built in 2006, this 2,200-square-foot was a successful vacation rental, sleeping up 15 guests who sought out its unbeatable location, ocean-views, and private setting. Recent improvements include a new roof, flooring, new fresh interior paint, and updated kitchen. Love it as a move-in ready oasis, or treat like a blank canvas for your own design vision.

81 Fireside Lane, Pacific Beach

Listing courtesy of COMPASS.

$789,000
4 Beds ⋅ 3 Baths ⋅ 2537451 MLS ⋅ ACTIVE Status
Located within walking distance of Seabrook! Never before offered! Only $120 annual HOA dues - no monthly maintenance fees! This beautiful, charming 4-bedroom, 2.25 bath home was built in 2001with a great view of the Pacific Ocean. It is located between the desirable places of Pacific Beach and Seabrook. The property includes the 1 1/2 story home with 2,166 square feet; concrete foundation; garage/shop in basement; 3 bedrooms downstairs and primary bedroom upstairs with attached bathroom, jetted tub and walk-in shower and closet; dining room; beautiful kitchen with glorious wood cabinets, granite counter tops and stainless steel appliances; propane cooking on island with eating bar; propane heating with standalone propane heaters up and downstairs as well as propane forced air heat; view deck; 2-leased propane tanks; outbuilding for storage and/or shop. Walk to clam dig or surf fish. Less than an hour drive to Lake Quinault and the Olympic National Park. Being sold As Is.

15 Diamond Drive, Pacific Beach

Listing courtesy of Windermere RE/Aberdeen.

$299,000
1 Beds ⋅ 1 Baths ⋅ 2528566 MLS ⋅ ACTIVE Status
Income producing VACATION RENTAL ALERT! Come fall in love with this charming beach cabin-tucked away in the tall trees and just minutes from the Pacific Ocean. The property is lined by tall trees on one side, and has a privacy fence and a large deck maximizing indoor/outdoor living on the west side. Inside you will find an inviting open floor plan living/kitchen/dining area with a cozy wood burning fireplace, full bathroom, primary bedroom with big closet. Laundry on site, and spacious outbuilding provides lots of storage for wood and outdoor toys/bikes/kayaks. Pacific Beach is booming with growth and tourism year over year due to it's close proximity to Seabrook and the Quinault Rain Forest. There are no HOA fees in this neighborhood, nightly rentals are allowed.

37 Butterfly Lane, Pacific Beach

Listing courtesy of Spivey Realty Group, LLC.

$449,900
3 Beds ⋅ 2 Baths ⋅ 2526149 MLS ⋅ ACTIVE Status
NEW LOWER PRICE on this rare Pacific Beach find! Gated and fenced, 1,998 SF coastal retreat on an expansive 1/3 acre double lot with a massive 756 SF garage, the ultimate Pacific Northwest base camp and fully approved for short-term rentals! Enjoy serene privacy, tree-lined views, and the sound of ocean waves from your spacious deck or open windows. This 3-bed, 2-bath home features a semi-open concept with separate living, dining and family rooms, a cozy wood-burning stove, and a high efficiency heat pump, installed in 2022. The large kitchen has a massive center island, newer stainless-steel appliances and counter seating. Exterior highlights include extensive parking inside the gate, as well as room for an RV or boat; a backup generator, and a sunny garden area with established cherry, apple and pear trees and a variety of berries. Located just 3 minutes from the beach or Seabrook, this is an unbeatable coastal compound or prime investment opportunity.

38 Sandpiper Lane, Pacific Beach

Listing courtesy of eXp Realty.

$849,000
8 Beds ⋅ 4 Baths ⋅ 2523928 MLS ⋅ ACTIVE Status
Come see this beautifully remodeled duplex ideally located just steps from the beach, offering stunning southwest-facing ocean views. Each spacious unit features 4 bedrooms, 2 bathrooms, a full kitchen, and in-unit laundry, making it perfect for both comfortable living and strong rental potential. The property is fully updated and truly move-in ready, allowing for immediate use or income generation.Situated just minutes from the popular Seabrook community and its shops, dining, and amenities, this property is perfectly positioned for a successful Airbnb or short-term rental investment. Guests will love the proximity to the beach and the convenience of nearby attractions.The opportunity doesn’t stop there, this property offers incredible upside potential. With ample space, you could explore building additional duplexes, converting the existing structure into a fourplex, or utilizing the existing sewer stub for RV parking or additional income streams. Whether you’re looking to expand your portfolio or create a long-term coastal retreat, this property presents multiple avenues for growth.Don’t miss this rare opportunity to own a versatile, income-producing property on the Washington coast with both immediate cash flow potential and future development possibilities.

42 N First Street, Pacific Beach

Listing courtesy of Premier Real Estate Partners.

$849,000
2518086 MLS ⋅ ACTIVE Status
Come see this beautifully remodeled duplex ideally located just steps from the beach, offering stunning southwest-facing ocean views. Each spacious unit features 4 bedrooms, 2 bathrooms, a full kitchen, and in-unit laundry, making it perfect for both comfortable living and strong rental potential. The property is fully updated and truly move-in ready, allowing for immediate use or income generation.Situated just minutes from the popular Seabrook community and its shops, dining, and amenities, this property is perfectly positioned for a successful Airbnb or short-term rental investment. Guests will love the proximity to the beach and the convenience of nearby attractions.The opportunity doesn’t stop there, this property offers incredible upside potential. With ample space, you could explore building additional duplexes, converting the existing structure into a fourplex, or utilizing the existing sewer stub for RV parking or additional income streams. Whether you’re looking to expand your portfolio or create a long-term coastal retreat, this property presents multiple avenues for growth.Don’t miss this rare opportunity to own a versatile, income-producing property on the Washington coast with both immediate cash flow potential and future development possibilities.

42 N First Street, Pacific Beach

Listing courtesy of Premier Real Estate Partners.

$499,950
1 Beds ⋅ 1 Baths ⋅ 2517570 MLS ⋅ ACTIVE Status
Welcome to Hammerbarn, a fully furnished, turn-key coastal retreat located in Seabrook’s desirable Fernwood Trailside Cabins neighborhood. Situated on a peaceful corner lot surrounded by wooded trails and just a short walk to the Sunrise Pool, this home offers the perfect blend of personal getaway and strong vacation rental opportunity. Inside, the bright and inviting open-concept living space features vaulted tongue-and-groove ceilings, an electric fireplace, Smart TV, and high-speed Wi-Fi—ideal for relaxing after a day at the beach or exploring the nearby trails. The well-equipped kitchen is designed for extended stays, while the layout comfortably sleeps guests with a king bedroom and built-in hallway bunk beds. Step outside to enjoy the covered front porch year-round or unwind in the private hot tub. The outdoor space is perfect for entertaining with a covered patio and peaceful setting next to a woodland preserve. Built in 2022 with a durable metal roof and modern finishes throughout, this home is sold fully furnished and is already established as a successful nightly rental—making it a true turn-key investment or personal coastal escape. Enjoy easy access to Meadowview Park for sunset views, the nearby trail network just steps from the home, and all the amenities Seabrook has to offer.

417 E Compass Street, Pacific Beach

Listing courtesy of Keller Williams Realty PS.

$865,000
2 Beds ⋅ 2 Baths ⋅ 2517408 MLS ⋅ ACTIVE Status
Welcome to the Beach Walk Cottage at Seabrook aptly named for its ideal location at the entrance of Elk Creek Beach Trail. This charming two-story cottage couldn't be in a better location, just minutes from it all: the beach, shopping and dining in Seabrook’s town center, and both the indoor and outdoor pools. Ripped from the pages of Coastal Living Magazine, this quintessential beach cottage is clad in cedar with large windows wrapped in timeless white trim. The main level features an open-concept kitchen, living, and dining with built-in banquette, plus a main-level bedroom and three-quarter bath. Upstairs the primary bedroom and bonus bunk room live large with lofted ceilings and share another three-quarter bath. Outside, the home offers a wrap around porch with a covered seating area on one side and a built-in dining area on the other. The extra-large lot offers a level of privacy unlike most homes in Seabrook and features a Gazebo, a private fire pit, and plenty of room for a large garden. And, the one-car garage is perfect for storing beach toys and the two dedicated parking spots make parking a breeze! This oh-so-cute cottage is the perfect blend of lifestyle and investment, having served both as a successful short-term rental and a personal getaway. Make this beautiful cottage your retreat for years of unforgettable memories at the beach!

7 Lupine Lane, Pacific Beach

Listing courtesy of COMPASS.

$1,395,000
3 Beds ⋅ 3 Baths ⋅ 2494971 MLS ⋅ ACTIVE Status
Welcome to this enchanting coastal style home in the charming town of Seabrook. Step inside to an open-concept main living area filled with natural light and gleaming hardwood floors. Relax by the fireplace and enjoy dinners in the spacious dining area opening to a large deck- perfect for enjoying the ocean breeze while you sip your morning coffee. Upstairs features a stunning primary suite with vaulted ceilings and fireplace. A spacious second bedroom and bathroom ensure comfort and convenience. The lower level features a second primary suite with an attached bathroom, living room and outdoor access to a custom covered patio with a hot tub and firepit. Close to town, beach and all Seabrook amenities!

81 Compass Street, Pacific Beach

Listing courtesy of KW Sunset Corridor.

$600,000
5 Beds ⋅ 3 Baths ⋅ 2483209 MLS ⋅ ACTIVE Status
Experience the ultimate beach getaway in this unique coastal retreat, where flexibility meets tranquility. Situated on a spacious double lot, this home offers the perfect setup for a vacation rental, two groups traveling together, or anyone seeking a little extra privacy without sacrificing togetherness. Successfully operated as a part-time short-term rental over the past year, with significant potential to expand income. With independent access for both levels, each floor serves as its own fully equipped sanctuary, ensuring everyone has the space they need to truly unwind. Top floor is 1 bed, ¾ bath with large flex room and kitchen. Main floor boasts 3 bed, 1 ¾ bath with fire place and kitchen. Come appreciate this incredibly tasteful remodel completed by local builder with easy access (no stairs!) to nearby beaches. Recent remodel includes quartz counter tops, stainless steel appliances, mini splits, LVP flooring, gorgeous tiled showers, roof and much more! Enjoy the local amenities of Pacific Beach or the vibrant community of Seabrook just a mile away. Single car garage and ample parking available. Come enjoy the roomy fenced in yard with peak-a-boo ocean balcony view or relax in the hot tub at this wonderful coastal getaway!

34 4th Street S, Pacific Beach

Listing courtesy of Keller Williams Greater 360.

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