Port Ludlow Homes with FHA Terms

Port Ludlow Homes with FHA Terms

Located in Jefferson County, Washington, Port Ludlow is a charming city that offers a peaceful and scenic lifestyle. Situated in the United States, this coastal community is known for its natural beauty, outdoor activities, and friendly atmosphere.

Port Ludlow is an ideal place for those seeking a tranquil escape from the hustle and bustle of city life. Surrounded by the stunning Olympic Mountains and overlooking the pristine waters of the Puget Sound, residents can enjoy breathtaking views and a variety of recreational opportunities. From hiking and biking to boating and fishing, there is something for everyone to enjoy in this picturesque setting.

In terms of real estate, Port Ludlow offers a range of options, including homes with FHA terms. FHA loans are backed by the Federal Housing Administration, making homeownership more accessible for buyers with lower credit scores or limited down payment funds. Whether you are a first-time homebuyer or looking to upgrade, Port Ludlow's real estate market has options to suit various budgets and preferences.

With its natural beauty, small-town charm, and convenient access to nearby amenities, Port Ludlow is a desirable place to call home. Whether you are looking for a permanent residence or a vacation getaway, this city offers a welcoming community and a quality of life that is hard to beat.

Newest Port Ludlow Homes with FHA Terms

$549,000
3 Beds ⋅ 2 Baths ⋅ 2571413 MLS ⋅ ACTIVE Status
Beautifully maintained & thoughtfully updated single-level 3-bedroom, 2-bath home in the sought-after master-planned community of Port Ludlow is the one you've been waiting for. A spacious great room w/soaring cathedral ceilings creates an open, airy setting for everyday living & entertaining. The updated kitchen offers fresh style & functionality, while the huge primary suite provides abundant space for everything you need. A heat pump provides efficient year-round comfort, & the attached 2-car garage adds convenience & storage. Best of all, this home is truly move-in ready! Recent updates include LVP flooring throughout, fresh interior paint, new kitchen countertops & fixtures, plus a new refrigerator, stove, and sinks in the kitchen and bathrooms—nothing left to do but move in and enjoy! Tucked away on a private cul-de-sac with no through traffic, the home offers a wonderful balance of privacy and nature. Enjoy the covered back deck year-round, gather around the fire pit, and use the shed for all your outdoor storage needs. Beach Club membership offers access to indoor & outdoor pools, exercise facilities, pickleball & tennis courts. Miles of nearby walking and hiking trails invite you to explore the beautiful PNW surroundings. Just 1½ hours from Sea-Tac, Port Ludlow offers the perfect opportunity to enjoy all the natural beauty & outdoor adventures the Olympic Peninsula has to offer. Breathtaking waterways & lush forests, scenic trails & abundant wildlife.

33 Barque Lane, Port Ludlow

Listing courtesy of Port Ludlow Brokers LLC.

$799,000
2 Beds ⋅ 3 Baths ⋅ 2570296 MLS ⋅ ACTIVE Status
Welcome to this beautifully maintained Port Ludlow home, tucked against a peaceful greenbelt & surrounded by mature landscaping creating the perfect setting. Sit on your covered porch & watch the sun come up over the trees. Main level offers easy living with a grand great room that is bathed in natural light, spacious primary suite & large laundry room. The living room boasts vaulted ceilings & skylights & a cozy propane fireplace, creating a warm & welcoming gathering space. The kitchen showcases gorgeous wood cabinetry, stainless steel appliances, tons of counter space & rich cherry hardwood floors. Primary bedroom features a coffered ceiling, while the ensuite bath offers double sinks, a soaking tub and walk-in closet. Upstairs, you’ll find a 2nd bedroom, 2 versatile flex/studio rooms & a full bath, creating a wonderful guest suite or flexible space for hobbies, crafts, an office or whatever your lifestyle requires. The home is also equipped with a heat pump, A/C & a triple-stage water filtration system to add year-round comfort & convenience. Outside, enjoy a sweet, fully fenced side yard & a private beautifully established backyard with huge, magnificent trees that provide the ultimate PNW feel. Inground sprinkler system keeps the grounds looking their best. Enjoy the Port Ludlow lifestyle with resort style amenities:indoor/outdoor pools, exercise/weight room, locker rooms & saunas, athletic courts, parks & an extensive network of walking trails throughout the community.

442 Rainier Lane, Port Ludlow

Listing courtesy of RE/MAX FIRST Inc Port Townsend.

$629,000
3 Beds ⋅ 4 Baths ⋅ 2569050 MLS ⋅ ACTIVE Status
Inviting Home in the North Bay Community of Port Ludlow. Beautiful and well kept Home and grounds. 2 Spacious Primary Bedrooms with ensuite baths on Main Floor, with a 1/2 bath also on main. Vaulted Ceilings offer a connected feel from the upper living area/loft. Propane fireplace. Beautiful Kitchen with granite countertops. and plenty of storage. Large deck to enjoy and entertain. Home is very private from neighbors from the interior. Loft/ Family room and additional craft room. Another Bedroom up with a full bath for guests. Approximately 1300sq ft of walkable crawl space below the deck area- offers an exceptional bonus area (currently utilized as a comfortable man cave) which could be transformed into wine cellar, hobby, workshop area or a home gym. Come Enjoy all Port Ludlow has to offer! Port Ludlow Marina to park your boat, The Inn for Fine Dining, world class Golf Course. miles of hiking Trails and a very active community of events. The Beach Club boasts indoor/ outdoor pools, gym facilities, meeting spaces, access to beachcombing and a Pickleball court! Close to the Hood Canal Bridge for major shopping, Less than an hour to WA State Ferry system to Seattle. ! hour to Sea Tac airport. Explore the amazing Olympic Peninsula National Forest, Sequim Lavender fields, Port Townsend's eclectic energy from Past to Present. Truly a lifestyle to enjoy!

50 Cascade Lane, Port Ludlow

Listing courtesy of Port Ludlow Brokers LLC.

$478,000
2 Beds ⋅ 3 Baths ⋅ 2565630 MLS ⋅ ACTIVE Status
Assumable FHA Mortgage at 2.75% interest!! This is a great opportunity to own a well-maintained, 2BR 2.25BA home, with a versatile bonus BR in the picturesque Bridgehaven Community. This home offers a rare advantage of making home ownership affordable at a very low interest rate. Just a short drive to the Hood Canal Bridge & all the amenities in Kingston/Poulsbo/Port Ludlow or travel West to the wilderness of the Olympic Mountains & trails. Home was built in 2018 with an open living concept kitchen, dining & living room, along with a convenient 1/2 Bath-powder room on the main floor, with efficient mini split heat/Air. Second floor has 2 bedrooms plus the bonus room/BR. There is a closet just outside of the bonus Bedroom. Primary BR has a walk-in closet & an ensuite 3/4 bath & can easily accommodate a California King bed. One of the two second floor bedrooms has peek a boo view of Hood Canal & both have access to a full bath. From the kitchen, walk out to a private/roomy deck to take in the large, sunny, back yard which would be perfect for a garden. The community amenities include water, boat launch, private marina, trails & endless beach opportunities. The large, level lot is a blank slate for your landscaping desires. There is a spacious attached 2 car garage & an additional shed next to the garage for storing lawn/gardening equipment. This would be a fantastic first home or home for those downsizing. Must See!

36 Eagleview Lane, Port Ludlow

Listing courtesy of Windermere R.E. Port Townsend.

$597,000
2 Beds ⋅ 2 Baths ⋅ 2562873 MLS ⋅ ACTIVE Status
Discover the perfect blend of comfort, versatility, and Pacific Northwest lifestyle in this beautifully updated Port Ludlow retreat. Nestled on a quiet cul-de-sac, this light-filled 2-bedroom, 2-bath home features fresh interior paint and trim, new appliances this year, newer mini-split heating and cooling, a Pelican whole-home water filtration system, and high-speed internet for today's connected lifestyle. The impressive 792-square-foot detached garage has been nicely finished and includes a workshop, built-in cabinetry, tankless water heater, and an authentic clear cedar hot-rock sauna accommodating up to six people. A separate finished 120-square-foot detached office/studio offers exceptional flexibility for remote work, creative pursuits, fitness, hobbies, or guest space. Relax year-round in the newer Bullfrog hot tub, or enjoy the expansive backyard and gardening planters with automated timed irrigation, expansive decks, and full fencing. Located just minutes from the marina, championship golf course, clubhouse, private beach, swimming pools, pickleball, tennis courts, and miles of scenic hiking trails, this move-in-ready home offers an exceptional opportunity to enjoy the very best of Port Ludlow living.

41 Ames Lane, Port Ludlow

Listing courtesy of John L. Scott Port Ludlow.

$545,000
2 Beds ⋅ 2 Baths ⋅ 2561967 MLS ⋅ ACTIVE Status
Welcome to a peaceful lifestyle on Eagleview Lane! This lovingly maintained, like-new Craftsman home offers the perfect blend of tranquil living and community perks. The main floor features an open-kitchen concept and living room with a propane fireplace, a flexible bonus room and a 3/4 bath. Upstairs, the home features two bright, peaceful bedrooms and a well-appointed full bath. The exterior spaces are designed for relaxation and peace. The fully fenced backyard is accompanied by a lovely cedar deck, and a detached two-car garage that offers plenty of space for storage. Bridgehaven boasts premier amenities: a gated private marina, beach access, boat launch, club house, and water system. Explore the Hood Canal wildlife by Kayak, boat, or paddle board from one of the best-protected moorages. Conveniently located near world class golf, with Poulsbo and Kingston in the vicinity, schedule your tour today to fully appreciate the calming charm.

115 Eagleview Lane, Port Ludlow

Listing courtesy of Port Ludlow Brokers LLC.

$1,925,000
4 Beds ⋅ 4 Baths ⋅ 2551921 MLS ⋅ ACTIVE Status
An extraordinary luxury view home where exceptional craftsmanship & breathtaking natural beauty converge. Built just 3 years ago by a master builder as his forever home, this one-of-a-kind residence was engineered beyond conventional standards w/premium materials, ADA accessibility, & future-ready infrastructure. The open concept main level dazzles w/3 bedrooms (one currently a stunning office), 2.5 baths, & a dramatic wall of windows framing panoramic views of Mt. Baker, the Cascade Mountains, Ludlow Bay, & Admiralty Inlet. The chef's kitchen features an oversized granite island, & the open floor plan flows effortlessly to expansive Azek decks w/custom stainless steel railings, patio heater, & hot tub, creating seamless indoor/outdoor living w/views of terraced gardens & a tranquil rain garden. The spa-inspired primary suite is breathtaking & includes a tub w/water & mt views & a stunning walk-in closet. Accessible by elevator or stairs, the lower level features a private multigenerational suite w/a full kitchen, laundry, ¾ bath, & spacious open concept living area w/views.Oversized epoxy-finished garage has a workshop, EV charger, wired for generator-Private pickleball court & storage-(wine cellar?). Premium features include an ERV fresh air filtration system, R-5 ZIP System sheathing, R-21 insulation, quiet floor system, whole-house sound system, & Beach Club membership w/trails, beaches, marina, parks, & nearby golf. See attached Matterport walkthrough & video!!

27 Seafarer Lane, Port Ludlow

Listing courtesy of Port Ludlow Brokers LLC.

$389,000
2 Beds ⋅ 3 Baths ⋅ 2557234 MLS ⋅ ACTIVE Status
It's genuinely time to say, "Wow!" This end unit is nestled perfectly in tall trees adjacent to beautiful, level green space. When walking up to the front door, the natural surroundings make it hard to believe you're so close in to downtown Port Ludlow. The building is completely well cared for and the entire interior is pristine, clean quality. From the dark wood butcher block counters to the real wood fireplace to the ceiling-high windows, you'll tour this property and immediately want it to be your home. This home's design marries convenience and functionality: upstairs laundry area bw the bedrooms, closets and storage right where you want them, and angled architecture that makes furnishing fun! Each bedroom has its own attached bathroom and one has a W/I closet. Since 2023, this owner replaced the refrigerator, microwave, water heater, W/D, door locks, added custom blinds and repaired window screens & seals. The crawlspace has been cleaned & pest treated. MOVE-IN READY is an UNDERSTATEMENT. The balcony is a perfect spot to read & sip and all you'll see is greenery. Fur babies are allowed and they'll love the level lawn area just outside your door. You may also rent this unit (leases = 180 days or more) Two parking spots + add'l spaces for guests. Most reasonable HOA dues in the area! Just steps away from Grounds to Perfection and all other amenities. Walk to the Inn for dinner or to the marina for boat life! You'll appreciate the nearby trails & water access, too!

135 Osprey Ridge Drive Unit #B, Port Ludlow

Listing courtesy of Manette Real Estate Co..

$275,000
2 Beds ⋅ 2 Baths ⋅ 2548464 MLS ⋅ ACTIVE Status
Home on double parcel quarter acre lot in the beautiful Paradise Bay Community. This two bedroom two bath home grants you access to the community's private beach and boat ramp. Second parcel provides for large private yard surrounded by trees. Home features a large open living room leading into kitchen and a primary bedroom with a full bath. Detached shop with storage and work space. Only a five minute drive from Hood Canal bridge.

140 W Spruce Street, Port Ludlow

Listing courtesy of Newberry Realty Renton.

$615,000
3 Beds ⋅ 3 Baths ⋅ 2550980 MLS ⋅ ACTIVE Status
Beautifully maintained & move-in ready, this 3-bedroom, 2¾-bath home sits on a private lot in a sought-after & established neighborhood. Tucked away on a private lot with curb appeal from the time you pull into the driveway. Inside, warmth meets thoughtful design. Gather around the propane fireplace on cool Pacific Northwest evenings, host dinners in the formal dining room, and let the lower-level rec room with kitchenette become whatever you need it to be —multi-generational living, a guest quarters, a creative studio, a game-day haven. The spacious primary suite feels like a spa escape!. Storage & functional space abound, including tool cabinets in the 2-car garage. The home has been thoughtfully updated with quartz countertops & luxury vinyl plank flooring, is wired for surround sound, & offers dual heat pumps with central A/C and A 15KW whole-house generator with automatic transfer switch means you're always ready, no matter the season. As a Port Ludlow resident, you'll enjoy full access to the Beach Club — with indoor & outdoor pools, a fitness room, & gathering spaces — along with a stunning 300-slip marina, tennis courts, parks, trails, & community RV and boat storage.Port Ludlow is a hidden gem, with protected waters and a paradise lifestyle that begins the moment you step outside your front door.

43 Goliah Lane, Port Ludlow

Listing courtesy of Windermere RE West Sound Inc..

$529,000
3 Beds ⋅ 2 Baths ⋅ 2549501 MLS ⋅ ACTIVE Status
Bright. Spacious. Almost New 2022 Construction! Single-level living that lives larger than expected! Soaring cathedral ceilings, open floorplan, warm natural light. Accessible, oversized kitchen with granite slab counters, stainless appliances, double oven. Plenty of room to gather. Smart layout. Real privacy. 3 beds and 2 full baths with the primary suite set apart. Inviting primary retreat with a large walk-in closet and double vanity bath. Built for comfort and convenience. Full Appliance Package. Trane heat pump w/AC. Trex decks. 40-year roof. Oversized 2-car garage. 10' ceiling crawl space perfect for storage or future conversion. Covered rear deck. Sunny yard waiting for inspiration and vision. Prime Location! Beach Club membership included. Access to the marina. Golf. Trails. Summer events. A true master-planned resort community with 30+ miles of walking trails, a 300-slip marina, and an 18-hole golf course. Full-time home. Weekend escape. Investment hold. A smart way into Port Ludlow and everything North Bay has to offer.

183 Rainier Lane, Port Ludlow

Listing courtesy of Windermere Real Estate/M2, LLC.

$699,999
2 Beds ⋅ 2 Baths ⋅ 2549379 MLS ⋅ ACTIVE Status
Wake up every morning to breathtaking 180-degree sweeping views of the Puget Sound, Cascade Mountains, and surrounding islands. This exceptional home offers a front-row seat to the PNW's beauty. Step inside to soaring vaulted ceilings, expansive Milgard windows, and interiors flooded with natural light. The east side of the home was thoughtfully designed to showcase panoramic water and mountain views from nearly every angle. Enjoy sunrises from the covered composite deck with cedar-lined ceilings. Then retreat to your chef’s kitchen featuring 9-foot shaker cabinetry, stainless steel appliances, walk-in pantry, and a pass-through window positioned to frame the scenery. The massive primary suite is a true retreat with oversized view windows and a walk-in closet. Separate downstairs entry offers added flexibility and convenience. Ample storage can be found throughout the home. A detached 632 ft² unit offers workshop space and 2 fully heated flex rooms, perfect for offices or bonus rooms, plus a large finished attic above for extra storage. A separate insulated 10x16 shed adds even more versatility. Crafted with quality in mind, this home showcases solid-core doors, a Rinnai tankless water heater, and an owned 250-gallon propane tank. Stay comfortable year-round with ductless mini-split A/C, enjoy the durability of an 80-year metal roof, and take advantage of EV charging readiness plus a 130V RV hookup. Tucked away on a quiet road, this one-of-a-kind property is truly a must-see.

202 Olympus Boulevard, Port Ludlow

Listing courtesy of Real Broker LLC.

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