South Bend Homes with FHA Terms

South Bend Homes with FHA Terms

South Bend, located in Pacific County, Washington, is a charming city known for its picturesque coastal views and small-town atmosphere. With a population of around 1,600 residents, South Bend offers a tight-knit community feel while still providing easy access to urban amenities.

For those interested in real estate in South Bend, there are homes available with FHA terms, making it easier for buyers to secure financing and purchase their dream home. FHA loans are a popular choice for many first-time homebuyers due to their low down payment requirements and flexible credit score guidelines.

Whether you're looking for a waterfront property with stunning views of Willapa Bay or a cozy home in a quiet neighborhood, South Bend has a range of options to suit your needs. With its scenic beauty, friendly community, and convenient access to outdoor recreational activities, South Bend is a wonderful place to call home.

Newest South Bend Homes with FHA Terms

$299,900
3 Beds ⋅ 2 Baths ⋅ 2569746 MLS ⋅ ACTIVE Status
SPACE, SHOP & MOVE-IN READY UPDATES! This 3-bedroom, 1.75-bath South Bend home offers 1,680 sq ft of comfortable living with an open layout, vaulted ceilings, updated flooring, carpet and paint. The kitchen stands out with stainless steel appliances, butcher block countertops, tile backsplash and a walk-in pantry, while the pellet stove adds warmth and character. Outside is where this property really delivers! Sitting on approximately .23 acres, you’ll find a fenced yard, covered decks, greenhouse, garden space, storage shed, RV parking and a detached garage/shop with built-in workbenches. Add alley access, a level lot, high-speed internet and NO HOA, and you’ve got plenty of room for vehicles, hobbies, projects and outdoor living. More space. More possibilities. Come see what 521 Central Ave has to offer!

521 Central Avenue, South Bend

Listing courtesy of eXp Realty.

$249,900
3 Beds ⋅ 2 Baths ⋅ 2568892 MLS ⋅ ACTIVE Status
Welcome to this charming 3-bedroom, 2-bath home located up on the hill in South Bend, just a short walk from downtown and local amenities. Offering approximately 1,197 sq ft, this home features classic character, comfortable living spaces, and plenty of natural light. The inviting exterior showcases a distinctive cedar-shake style finish, crisp white trim, detailed architectural accents, and a welcoming covered front porch. The porch is the perfect place to enjoy your morning coffee or relax at the end of the day. The elevated setting and attractive front yard give this home great curb appeal and a warm, welcoming feel. Inside, beautiful wood floors, warm wood accents, and large windows create an inviting atmosphere. The spacious kitchen offers abundant cabinetry, generous counter space, and a functional layout, with all appliances included. A classic staircase and thoughtful details throughout add to the home's character. Enjoy outdoor living from the back deck, ideal for entertaining, summer BBQs, or relaxing with friends and family. The property also includes a large shed that can be use or converted for convenient parking, storage, and workspace. With downtown South Bend, restaurants, shopping, services, and other amenities within close walking distance, this home offers the perfect combination of charm, convenience, and location. Don't miss the opportunity to make this South Bend home your own!

306 B Street, South Bend

Listing courtesy of Keller Williams South Sound.

$349,900
4 Beds ⋅ 2 Baths ⋅ 2564172 MLS ⋅ ACTIVE Status
Timeless craftsmanship meets classic Pacific Northwest charm in this 4-bedroom, 1.5-bath Craftsman bungalow perched atop desired Alta Vista Hill, offering sweeping views of the Willapa River & surrounding hills. Original architectural details shine, including beautiful hardwood floors, elegant arched openings, Craftsman-style windows, & an abundance of original built-ins, chests, benches, dressers, & closets that provide exceptional character & storage. The bright breakfast room overlooks the river & opens directly to the covered back deck, creating the perfect space for morning coffee or al fresco dining. The large kitchen features butcher block countertops, Italian tile backsplash, checkerboard linoleum flooring, abundant cabinetry, & a Euro-style stackable washer & dryer. Modern updates include a new electrical system, updated plumbing, updated HVAC with heat pump, new lighting, fresh interior paint, & a beautifully updated main bath with new fixtures, Italian porcelain tile tub/shower surround, & Lifeproof LVT flooring. Separate daylight basement entrance with keypad access leads to abundant storage plus flexible art studio or workshop. Outside, enjoy mature landscaping, garden beds, seating & picnic areas, a covered basement-level patio ideal for gardening, BBQs, or relaxing in the shade. Spacious yet cozy, this one-of-a-kind Craftsman seamlessly blends vintage charm with modern functionality, offering timeless appeal & the opportunity to make it your own.

735 Cowlitz Street E, South Bend

Listing courtesy of Keller Williams South Sound.

$350,000
2 Beds ⋅ 1 Baths ⋅ 2564178 MLS ⋅ ACTIVE Status
Thoughtful recent updates provide peace of mind for the next owner, with many of the home's major improvements already completed. From the new 30-year composite roof with new plywood sheathing and insulated glass window replacements to refreshed flooring, interior and exterior paint and landscaping. This move-in ready home offers the comfort, safety, & functionality today's buyers are looking for. The home's electrical & plumbing systems were updated throughout in the 1980s, & the detached shop was also constructed during that time, providing added versatility & value. Full of timeless character, this charming home blends original architectural details with modern improvements. Inside, you'll find a spacious living room with a generous seating area, a dedicated dining room, and inviting spaces filled with warmth and charm. The flexible floor plan includes an upstairs retreat with a cozy sitting area and bedroom, while the basement offers an additional bedroom or the perfect space for a home office, business, guest or hobby room. Step outside to enjoy the welcoming covered front porch, complete with covered storage below. The attached garage beneath the home provides convenient parking with direct interior access. Completing the property is an impressive, fully electrified shop offering over 1,000 square feet of workspace with five 30-amp outlets, a 4-inch sewer stub, and recent roof & fascia improvements—ideal for projects, storage, hobbies, or future expansion possibilities.

401 B Street, South Bend

Listing courtesy of Keller Williams South Sound.

$279,900
2 Beds ⋅ 2 Baths ⋅ 2551292 MLS ⋅ ACTIVE Status
This well-maintained 2-bedroom, 2-bath home offers 1168 square feet of living space on a 6,000-square-foot corner double lot. The spacious living room connects to a functional kitchen with stainless steel appliances, a range hood, and an eat-at island. The primary bedroom includes a walk-in closet and private three-quarter bathroom. The laundry room features a stackable washer and dryer, and a separate exterior entry. Outside, enjoy a fenced yard, back deck, and the added space of a double lot. The upper lot provides space for picnics and outdoor activities and may offer potential for a future garage or outbuilding, subject to buyer verification and applicable zoning and permitting requirements. Updates completed before the current ownership include the electrical panel, windows, roof, gutters, flooring, heat pump, mini-split system, and water heater. Located a few blocks from the Willapa River waterfront, the property offers convenient access to nearby recreation and local amenities.

1503 First Street W, South Bend

Listing courtesy of Keller Williams-Premier Prtnrs.

$580,000
2 Beds ⋅ 1 Baths ⋅ 2553541 MLS ⋅ ACTIVE Status
Two-bedroom home situated on 5.54 acres in South Wilson Point. Overlooking beautiful pasture with fruit trees. Home offers a spacious open floor plan with vaulted ceilings. 2336 sq. Ft. 3 bay shop with breezeway attached to the home. Located approximately 10 minutes from downtown South Bend. Great private location.

55 Wilson Lane, South Bend

Listing courtesy of The Harbor Realty LLC.

$389,000
3 Beds ⋅ 2 Baths ⋅ 2545060 MLS ⋅ ACTIVE Status
Perched above South Bend with panoramic views of the Willapa Bay & that surrounding hills, this captivating 3-bedroom + Office, 1.75-bath Victorian blends historic charm with an unbeatable setting. A welcoming covered front porch invites you to relax & enjoy the scenery, while beautiful stained-glass windows, original woodwork, & classic architectural details showcase the home's timeless character.Step through the entryway featuring built-in foyer seating, setting the tone for the craftsmanship found throughout the home.Inside, you'll find hardwood floors, spacious rooms filled with natural light, maximized closet spaces, & period details rarely found today.The beautiful kitchen retains its original cabinetry, offering timeless charm & functionality, with an adjoining dining area perfect for everyday living and entertaining.A distinctive turret adds architectural elegance and creates a unique space ideal for a reading nook, office, or sitting area with elevated views. Additional features include a dedicated laundry room, a private back patio perfect for relaxing or hosting guests, & convenient off-street alley parking. This remarkable home offers the perfect blend of history, character, & comfort.Conveniently located near downtown South Bend, schools, local shops, and outdoor recreation.Rich in character, filled with original details, and showcasing stunning views, this is truly a must-see home and a rare opportunity to own one of South Bend's treasured Victorian residences.

714 W First Street, South Bend

Listing courtesy of Keller Williams South Sound.

$274,900
3 Beds ⋅ 1 Baths ⋅ 2522470 MLS ⋅ ACTIVE Status
This charming three bedroom home sits on a large double lot and is full of potential. The floor plan simply works, with a comfortable living room at its heart and a fireplace to gather around. The formal dining room has French doors that lead out to the back deck, that becomes the spot everyone gravitates to on nice sunny days. Creating seamless indoor-outdoor living and entertaining. Lovingly maintained in its original character over the years, this home offers solid bones and the opportunity to make it your own. The large laundry room provides extra space for hobbies, and there's exceptional storage and workspace between the big garage and the additional attached shop. As an added Bonus, original hardwood floors lie beneath the carpeting, ready to be uncovered and restored to their original beauty. A rare combination of land, functional layout, and location, this property presents the opportunity to create something special. Come see the possibilities for yourself!

106 Jefferson Street, South Bend

Listing courtesy of Spivey Realty Group, LLC.

$312,000
2 Beds ⋅ 1 Baths ⋅ 2538900 MLS ⋅ ACTIVE Status
Step into the charm of a bygone era with this beautifully restored 1930s Craftsman, ideally located in what locals affectionately call “Bay Center.” Originally built by a local ship builder, this home is rich in history & filled with authentic character, featuring stunning woodwork, original ship lap details, & period-specific finishes throughout. Thoughtfully updated while preserving its timeless appeal, major improvements include updated electrical and septic systems, along with a new roof, gutters, and septic installed in 2013. Situated on a spacious double lot, this property offers plenty of room to add a future shop or garage while still maintaining an expansive yard to enjoy. The outdoor spaces are a true highlight, featuring a greenhouse & beautifully & thoughtfully landscaped garden areas that create a private oasis feel—perfect for relaxing, growing, and enjoying the coastal setting year-round. Inside, you’ll find two comfortable bedrooms, a full bathroom, inviting living spaces, and an upstairs bonus room perfect for guests, a home office, hobby room, or additional storage. Large windows bring in natural light & offer partial views of the bay, adding to the home’s peaceful coastal setting. Enjoy being just a short stroll from the post office, waterfront, local beaches, & nearby parks. Full of warmth, history, & coastal charm, this turn-key Craftsman is a rare opportunity to own a beautifully preserved piece of Bay Center history with modern updates already in place.

12 Main Street E, South Bend

Listing courtesy of Keller Williams South Sound.

$375,000
3 Beds ⋅ 2 Baths ⋅ 2538188 MLS ⋅ ACTIVE Status
Perched on a beautifully landscaped corner lot, this well-maintained home offers stunning river and bay views along with the convenience of in-town living. Large corner windows in the living room frame the scenery and fill the home with natural light, creating a bright and inviting atmosphere. Warm bamboo flooring flows throughout the main living areas, complementing the spacious layout and generously sized bedrooms with excellent closet space. The dining area features a sliding glass door that opens to the outdoors, providing an easy connection between indoor and outdoor living while taking advantage of the surrounding views. The functional main bathroom offers double sinks and abundant storage, providing convenience for everyday living. Downstairs, the partially finished basement adds valuable flexibility with a bathroom, laundry area, workshop space, and additional room for hobbies, recreation, storage, or guest accommodations. Outside, mature landscaping creates exceptional curb appeal, while the attached two-car garage with separate access and ample off-street parking offer both convenience and versatility. Enjoy the best of small-town living with shops, restaurants, and local trails just a short walk away. Combining scenic views, comfortable living spaces, and a highly desirable location, this home is ready for its next chapter.

209 Harrison Street, South Bend

Listing courtesy of Keller Williams South Sound.

$239,900
2 Beds ⋅ 1 Baths ⋅ 2508975 MLS ⋅ ACTIVE Status
This two-bedroom, one-bathroom home in South Bend is freshly painted and boasts new carpet and flooring throughout. The spacious home is situated on a large, level lot near South Bend schools and offers easy access to Highway 101. A detached garage is located in the back of the home with alley access. The property is partially fenced.

518 California Avenue, South Bend

Listing courtesy of The Harbor Realty LLC.

$879,000
3 Beds ⋅ 2 Baths ⋅ 2504314 MLS ⋅ ACTIVE Status
Nestled at the very end of a quiet cul-de-sac in desirable Willapa Bay Estates, this beautifully designed 3-bedroom, 1.75-bath home offers privacy, tranquility, and truly one-of-a-kind views from the moment you step inside. Situated on just over 2 acres, the property provides the perfect blend of space and functionality, ideal for those seeking room to live, work, and play. The open-concept layout welcomes you with a spacious dining area right off the entry, seamlessly flowing into a stunning kitchen featuring a distinctive hexagon island, sleek stainless steel appliances, and elegant granite countertops, perfect for both everyday living and entertaining. The main living room continues to impress with vaulted ceilings, large windows, wood stove, and direct access to the large front deck w/ glass railing, trex decking and an outdoor firepit. Retreat to the generously sized primary suite, complete with a walk-in closet and a private bath, offering a peaceful haven at the end of the day. Additional to the attached 2-car garage, the property continues to impress with a massive 3-bay, 2,000 sq. ft., 40x50 insulated shop complete with a ¾ bathroom, 200 amp service, wood stove, and 2x12" + 1x14" high garage doors. There’s also dedicated RV parking with full hookups, plus a 10 x 12 garden shed for additional storage. With its unique setting, over 2 acres of usable land, impressive shop space, and breathtaking views, this is truly a rare opportunity in the Pacific Northwest.

47 Willapa Sands Lane, South Bend

Listing courtesy of Spivey Realty Group, LLC.

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