Poulsbo Homes with FHA Terms

Poulsbo Homes with FHA Terms

Poulsbo: A Charming City in Kitsap County, Washington

Nestled in the heart of Kitsap County, Washington, Poulsbo is a picturesque city that offers a unique blend of small-town charm and natural beauty. Known as "Little Norway," Poulsbo is famous for its Scandinavian heritage, reflected in its architecture, festivals, and local shops.

Located just a short drive from Seattle, Poulsbo provides residents with a peaceful escape from the bustling city life while still offering easy access to urban amenities. With its breathtaking waterfront views, lush forests, and stunning mountain ranges, this city is a haven for outdoor enthusiasts. From hiking and kayaking to fishing and boating, there's no shortage of recreational activities to enjoy.

When it comes to real estate, Poulsbo offers a variety of options, including homes with FHA terms. The Federal Housing Administration (FHA) provides loans that are popular among first-time homebuyers or those with lower credit scores. These loans offer more flexible down payment options and lower interest rates, making homeownership more accessible to a wider range of individuals.

Whether you're looking for a cozy cottage-style home or a spacious family residence, Poulsbo has a diverse range of properties to suit every taste and budget. With its strong sense of community, excellent schools, and proximity to outdoor adventures, Poulsbo is a wonderful place to call home.

If you're considering a move to the Pacific Northwest, Poulsbo should be at the top of your list. Experience the beauty, charm, and affordability that this vibrant city has to offer.

Newest Poulsbo Homes with FHA Terms

$454,000
3 Beds ⋅ 3 Baths ⋅ 2575575 MLS ⋅ ACTIVE Status
Tucked into desirable Edgewater Estates, this 3-bedroom Poulsbo home offers 1,760 SF of comfortable living space, a huge fully fenced backyard and access to a private community beach on Hood Canal. The bright main level features an easy-flowing living and dining space with a cozy fireplace, plus an updated kitchen with quartz countertops and stainless steel appliances. Just off the dining area, step directly onto the deck for morning coffee, summer BBQs or an easy evening outside overlooking the backyard. All three bedrooms are generously sized, including a spacious primary suite with walk-in closet and en suite bath. Downstairs offers even more room to spread out with a second living area, separate bonus/flex room, additional 3/4 bath and laundry. Outside, mature trees surround the expansive fenced yard, with a storage shed and an absolutely charming fully finished, heated backyard studio complete with electricity. Think home office, art studio, creative space or your own quiet retreat. There’s also a 2-car garage with plenty of additional storage and convenient access to Poulsbo, Kingston and Highway 3. Edgewater Estates rounds it all out with its waterfront setting, community park and playground. A pretty special combination of space, privacy and neighborhood amenities, with so much to enjoy both inside and out.

2136 NW Clinton Avenue, Poulsbo

Listing courtesy of Real Broker LLC.

$790,000
4 Beds ⋅ 3 Baths ⋅ 2575372 MLS ⋅ ACTIVE Status
This charming split-level home offers the perfect blend of country living, modern updates & everyday convenience on 2.46 gorgeous acres just minutes from Poulsbo. Surrounded by mature trees & natural landscaping, this peaceful retreat offers room to garden, play, entertain, & enjoy life. Inside, vaulted ceilings, picturesque windows, gorgeous hardwood floors, & a fireplace create a bright & welcoming atmosphere. The kitchen features cherry-finished alder cabinetry, granite countertops, stainless steel appliances, & an eating area that leads to an expansive Trex deck overlooking the backyard. Newer features throughout including updated bathroom finishes mean much of the hard work has already been done. The flexible floor plan offers 4 bedrooms and 2.5 baths, with the primary suite & updated 3/4 bath on the main level along with 2 addition bedrooms & a shared bath. Downstairs, an additional bedroom, rec room, and laundry room provide exceptional versatility for guests, hobbies, a home office, fitness area, or multi-generational living. Outside, the level, sun-drenched grounds are made for Northwest living! Enjoy a fully fenced perimeter, fenced garden area, mature landscaping, adorable playhouse, firepit, hot tub, garden shed, carport, detached 2-car garage, RV parking, and abundant space for equipment and projects. A paved wraparound driveway provides ample parking and a sense of privacy, while the convenient location places you less than a mile from shopping and restaurants.

21121 Little Rude Avenue NW, Poulsbo

Listing courtesy of Paramount Real Estate Group.

$285,000
3 Beds ⋅ 2 Baths ⋅ 2573948 MLS ⋅ ACTIVE Status
BELOW MARKET VALUE! Rare opportunity to own a 3-bedroom, 1.75-bath end-unit condo offering gorgeous Olympic Mountain views. Priced to reflect the need for updating and new carpeting, this home is a true blank canvas ready for your personal finishing touches and design ideas. Enjoy simplified living with an assigned parking space and an impressive array of HOA amenities, including an outdoor swimming pool, fitness center, clubhouse with kitchen, EV charging station, water, sewer, and common-area maintenance. Ideally located just minutes from downtown Poulsbo, you’ll have easy access to the waterfront, marinas, charming boutiques, restaurants, coffee shops, parks, and Poulsbo’s year-round festivals and distinctive Scandinavian charm. Shopping, schools, medical services, the Seattle and Edmonds ferries, and naval bases at Bangor, Keyport, and Bremerton are all conveniently accessible. Come experience all that Poulsbo has to offer—comfortable, simplified living in a highly desirable location at an exceptional value!

20198 Viking Crest Loop NE Unit #8-201, Poulsbo

Listing courtesy of John L. Scott, Inc..

$435,000
3 Beds ⋅ 2 Baths ⋅ 2574318 MLS ⋅ ACTIVE Status
This great home is what everyone say they want: an affordable, cute, and very well-built house that can be customized cosmetically! Wonderful location in the Island Lake community, only moments from the lake and park! Commuters will love easy access to highways and naval bases, but set back and quiet from the chaos of daily life. Check out the awesome back yard! Step inside to find a home that lives surprisingly large! Downstaris bedroom connects to the full bath for a primary suite expierience. Upstairs are 2 more large bedrooms, including one with a 3/4 bath for a second primary experience! Sets up well for multi-generational or friend living. Detached one car garage is a great option for parking or additional storage! Make this awesome home YOURS today!

12940 Elm Avenue NW, Poulsbo

Listing courtesy of Manette Real Estate Co..

$510,000
3 Beds ⋅ 2 Baths ⋅ 2560130 MLS ⋅ ACTIVE Status
Experience the perfect blend of privacy, comfort, and convenience in this charming Poulsbo home! Nestled on a spacious lot with mature landscaping, this light-filled home boasts a bright, open floor plan designed for easy living. The home features 3 bedrooms and 2 bathrooms, offering comfortable living spaces with thoughtful updates throughout. French doors lead to a serene backyard with a patio, lush lawn, and privacy-enhancing laurel hedge—ideal for relaxing, gardening, or entertaining guests. Recent updates include fully remodeled bathrooms, newly installed wood-plank flooring, Cadet heaters, fresh interior paint, a newer roof, and a refreshed kitchen with newer appliances and sink. It is located in a peaceful neighborhood with access to a community beach, and it is just minutes from downtown Poulsbo, schools, shopping, and Highway-3. A true Pacific Northwest gem you won’t want to miss!

25950 NW Circle Drive S, Poulsbo

Listing courtesy of Redfin.

$820,000
3 Beds ⋅ 3 Baths ⋅ 2572818 MLS ⋅ ACTIVE Status
First time on the market! Welcome to 2.35 acres conveniently located only minutes from Poulsbo but boasting a rural feeling surrounded by an abundance of mature landscaping and garden delights. Recent updates provide peace of mind, including a professionally cleaned roof, an oil furnace replaced just two years ago and serviced this summer with a one-year service paid and transferable; an upgraded electrical panel; updated plumbing; and fresh exterior paint. Comfortable year-round living is enhanced by a new pellet stove on the main level and a new wood stove in the lower level. Enjoy indoor-outdoor living with a large deck and convenient access directly from the primary bedroom. Don't miss the handy laundry shoot in the primary suite and note the beautiful hardwood floors. The property offers exceptional space for hobbies, projects, gardening, and storage, including a detached garage, carport, greenhouse, and woodshed. Nature lovers and gardeners will appreciate approximately 300 rhododendrons, mature holly trees, fruit trees, and an impressive selection of berry bushes, including raspberries, marionberries, and blackberries. The established landscaping creates a private, lush setting with something to enjoy in every season. With thoughtful updates, multiple heating options, abundant outdoor amenities, and a truly special garden setting, this property offers a wonderful combination of comfort and convenience. Close to schools, shopping, and restaurants.

2401 NW Finn Hill Road, Poulsbo

Listing courtesy of RE/MAX FIRST Inc Port Townsend.

$322,500
3 Beds ⋅ 2 Baths ⋅ 2569149 MLS ⋅ CONTINGENT Status
Welcome to the Viking Crest community, where this beautifully refreshed 3-bedroom, 2-bath condo is ready to welcome you home. Thoughtfully updated with new interior paint, new carpet, a new stove, new microwave, stylish light fixtures, and granite countertops, this move-in-ready home offers comfort, style, and low-maintenance living. The spacious primary suite features its own private bathroom, while the private balcony overlooks a peaceful greenbelt, providing the perfect place to enjoy your morning coffee or unwind at the end of the day. Enjoy the convenience of one assigned parking space and outstanding HOA amenities, including a swimming pool, fitness room, clubhouse with kitchen, EV charging station, water, sewer, and common area maintenance. Ideally located just minutes from charming downtown Poulsbo, you'll enjoy easy access to the waterfront, marinas, local boutiques, restaurants, coffee shops, parks, and the town's year-round festivals and Scandinavian charm. Shopping, schools, medical facilities, and convenient access to the Bainbridge Island and Kingston ferry terminals make commuting and everyday living a breeze. This is your opportunity to enjoy the best of Poulsbo living in a beautifully updated home!

20156 Vikings Crest NE Unit #7-101, Poulsbo

Listing courtesy of SASH Realty.

$899,900
5 Beds ⋅ 3 Baths ⋅ 2568270 MLS ⋅ ACTIVE Status
Tri Pointe Homes is back in Poulsbo! Homesite 24: Move-In Ready This September. There’s a reason our 290 plan is a favorite: Designed with flexibility, style, and everyday living in mind, this home delivers spaces that simply work. The main level features a bedroom that adapts to your life—ideal for overnight guests, multi-generational living, or a private home office. The heart of the home opens up beautifully, with a gourmet kitchen made for inspired cooks and effortless entertaining, a generous walk-in pantry, and a welcoming Great Room anchored by a gas fireplace. Step outside to the expansive covered patio overlooking green space—a peaceful extension of your living space and a place you’ll want to enjoy year-round. Thoughtful details continue throughout, including a convenient valet just off the garage entry. Upstairs, the primary suite feels like a true retreat. Unwind in the deck-mounted soaking tub and enjoy a seriously impressive walk-in closet with room for it all. And then there’s the sense of space. Nine-foot ceilings on both the main and second floors, 8-foot doors, and an abundance of natural light give this home an airy, elevated feel from the moment you walk in. Reg Policy #4675: Buyer Broker must accompany and personally register Buyer at first visit, or no BBC will be paid. Call to schedule a tour!

19288 Bergen Drive NW Unit #24, Poulsbo

Listing courtesy of Tri Pointe Homes Real Estate.

$779,000
4 Beds ⋅ 3 Baths ⋅ 2569564 MLS ⋅ ACTIVE Status
Poulsbo 4-bedroom home on a quiet cul-de-sac in sought-after Vinland Crest, offering privacy, space, and convenience in an established neighborhood. Don’t compromise with a small lot—enjoy a private, wooded backyard with abundant room for gardening, play, entertaining, and relaxing around the flagstone patio firepit. A light-filled living room welcomes you inside, while the formal dining room features a handsome coffered ceiling and flows into the spacious kitchen with stainless steel appliances, granite counters, and a large pantry. The main floor also includes a second living space with a fireplace and well-appointed family room. Upstairs offers four bedrooms, including a spacious primary suite featuring an attractive slate tile ensuite bath and walk-in closet, plus a large bonus room with skylights. Crown molding throughout, designer-selected paint, custom glass hardware, and EV charging add thoughtful touches. New refrigerator (2025), washer & dryer (2026) and garage wired for EV charging. Outside, a custom detached shed with power, shelving and skylights provides excellent space for storage and yard equipment. Roof replacement and siding repairs have been scheduled. Vinland Elementary is just down the street, with easy access to downtown Poulsbo, Bangor, shopping, the Bainbridge Island-Seattle ferry, and everyday amenities.

22394 Nordkyn Lane NW, Poulsbo

Listing courtesy of Windermere RE West Sound Inc..

$620,000
5 Beds ⋅ 3 Baths ⋅ 2569778 MLS ⋅ ACTIVE Status
Welcome to this inviting 5-bedroom, 3-bathroom home nestled in the desirable Forest Hills neighborhood. Ideally situated on a quiet cul-de-sac. This home offers a wonderful blend of space, privacy, and convenience, all just minutes from the charm and character of historic downtown Poulsbo. Enjoy the best of the Poulsbo lifestyle with easy access to the marina, waterfront, boutique shops, local restaurants, and the interactive aquarium. Whether you're exploring downtown, enjoying the waterfront, or simply relaxing at home, this location makes it easy to experience all that Poulsbo has to offer. Inside, the spacious layout provides plenty of room for guests, along with flexibility for a home office, hobbies, or additional living space. Step outside to a beautiful backyard designed for enjoying the outdoors, complete with raised garden beds—perfect for growing flowers, herbs, and vegetables or creating your own private garden retreat. Conveniently located close to local schools and everyday amenities, this Forest Hills home combines a peaceful neighborhood setting with easy access to downtown Poulsbo and the surrounding community. A wonderful opportunity to enjoy comfortable living in one of the area's most desirable locations. Pride of ownership shines throughout this well-maintained home, ready to welcome its next chapter.

1565 Nordic Place, Poulsbo

Listing courtesy of Realogics Sotheby's Int'l Rlty.

$589,950
3 Beds ⋅ 3 Baths ⋅ 2564901 MLS ⋅ ACTIVE Status
Welcome to this spacious 3 bed/2.25 bath home located in the Liberty Hill community. Vaulted ceiling entry with tons of natural light transforms the 1st floor of this home. A large great room, fireplace, powder room with a premier kitchen creates a space to entertain all year long. Large eat in kitchen with island, SS appliances and open dining room concept makes cooking and serving effortless. New flooring and interior paint make the downstairs a living oasis. Enjoy your private patio and backyard with garden space through the lower level sure to please. The 2nd floor offers a family room flex space and a full bath to support the upper bedrooms. Primary bedroom offers an En-suite bathroom and WIC. The entire 2nd floor is complete with brand new carpet and interior paint. Central AC. Spacious two car garage has great parking and storage options. Situated close to the community playground and a walkable community. Minutes from stores, shops and restaurants.

21602 NW Monterey Loop, Poulsbo

Listing courtesy of Acre Real Estate.

$775,000
3 Beds ⋅ 3 Baths ⋅ 2568949 MLS ⋅ CONTINGENT Status
Lake life starts right outside your door! Swim on a summer afternoon, launch your kayak or paddleboard for a morning or evening on the water, relax in the hot tub overlooking the lake, or simply settle into a chair at the shoreline and enjoy the view. Beautifully remodeled, this distinctive 3-bedroom, 3-bath chalet-style home on Island Lake pairs a wonderfully private waterfront setting with dramatic vaulted architecture, exposed beams, walls of glass, warm hardwood floors and multiple decks and patios connecting the home to the water. The gourmet kitchen features a 40" professional-style gas range, Thermador refrigerator/freezer, wine fridge, extensive cabinetry and walk-in pantry. Two private bedroom suites offer exceptional flexibility, including an upper suite with lake views, office and bath, plus a spacious lower primary suite with fireplace and its own outdoor living area and hot tub. Four tax parcels totaling approximately .40 acre include additional lakefront land, creating exciting possibilities for additional garage/shop space, an ADU, boathouse or other future use. Attached garage with shop space, pass-through drive and additional boat/trailer parking. Less than 10 minutes from Silverdale, St. Michael Medical Center and Bangor—yet once you're home, it feels a world away.

12995 Lake Shore Drive NW, Poulsbo

Listing courtesy of REally Properties Inc.

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