Cowlitz County Homes with FHA Terms

Cowlitz County Homes with FHA Terms

Located in the beautiful state of Washington, Cowlitz County offers a captivating blend of natural beauty, rich history, and a thriving real estate market. Situated in the southwestern part of the state, Cowlitz County is a hidden gem for those seeking a peaceful and scenic place to call home.

With its close proximity to major cities like Seattle and Portland, Cowlitz County provides the perfect balance between a tranquil rural lifestyle and easy access to urban amenities. The county boasts stunning landscapes, including the picturesque Columbia River, lush forests, and breathtaking mountain ranges. Nature enthusiasts will find plenty of opportunities for outdoor activities such as hiking, fishing, and boating.

For those looking to buy a home in Cowlitz County, the option of FHA terms is available. FHA, or Federal Housing Administration, loans are designed to make homeownership more accessible and affordable for first-time buyers and those with lower credit scores. These loans offer competitive interest rates, low down payment requirements, and flexible qualification criteria.

Whether you're searching for a cozy cottage in the charming town of Kelso, a spacious family home in Longview, or a secluded retreat in the rural areas of the county, Cowlitz County has a diverse range of housing options to suit every taste and budget.

With its natural beauty, convenient location, and the availability of FHA terms, Cowlitz County is an ideal place to settle down and make your real estate dreams come true.

Newest Cowlitz County Homes with FHA Terms

4714 Pine Street, Longview
$619,900
4 Beds ⋅ 2 Baths ⋅ 2590507 MLS ⋅ ACTIVE Status
HUGE LOT • LARGE SHOP WITH 220V • SUBDIVISION POTENTIAL • UPDATED 4-BEDROOM HOME Rare opportunity in Longview! This spacious 2,624 sq ft home sits on a huge lot close to town and offers an exceptional combination of comfortable living space, versatility, and future potential. The property features 4 bedrooms, 2 bathrooms, vaulted ceilings, an open-concept floor plan, a loft/flex space, and a bonus room—giving you plenty of room to live, work, entertain, and grow. An updated kitchen designed for everyday living & entertaining, featuring a large island, newer flooring, & appliances included. Two cozy fireplaces add warmth & character to the spacious living areas. Several bedrooms feature built-in seating, adding useful storage and personality. Outside the property includes a huge 40x60 shop w/25x30 leanto & 220V power, additional outbuildings, a covered porch, a patio & above ground pool. Whether you need space for vehicles, hobbies, equipment, a workshop etc. this property offers room to make it your own. The large lot & potential for subdivision, subject to applicable city/county requirements and approvals, add another layer of opportunity that is hard to find this close to town.With a newer hot water heater, updated features, abundant storage, multiple flex spaces, and an oversized lot with substantial outbuildings, this is a property that offers both comfortable living today and exciting possibilities for tomorrow. Come see the space, shop, lot, and potential for yourself

4714 Pine Street, Longview

Listing Broker: RE/MAX Premier Group; Sharon Leppert; 360-261-9626; sharonleppert@remax.net

117 Memory Lane, Silverlake
$392,000
3 Beds ⋅ 2 Baths ⋅ 2590352 MLS ⋅ ACTIVE Status
Don't miss this beautiful Silverlake listing with lake access and private community boat launch! Located in a quiet neighborhood this 3 bedroom - 1.75 bath home has been recently updated with new flooring and refinished hardwoods. The kitchen has been updated to include new cabinetry, tile, butcher block countertops and stainless steel appliances. The home has a newer roof as well. The level 1/4 acre yard with large driveway will easily fit your boat or RV. There is plenty of room for an additional shop or ADU.

117 Memory Lane, Silverlake

Listing Broker: TEC Real Estate Inc.; Chris DiJulio; 206-226-5504; chris@bigfootbh.com

184 Trout Lakes Road, Castle Rock
$549,000
3 Beds ⋅ 2 Baths ⋅ 2590473 MLS ⋅ ACTIVE Status
Nearly new and beautifully designed, this 1,392 sq ft home on 2.07 acres was completed in early 2026 and offers modern style, thoughtful finishes, and room to enjoy an outdoor lifestyle. The inviting open-concept design features a spacious living area flowing into the dining space and impressive kitchen, ideal for everyday living and entertaining. The kitchen is a standout, featuring stainless steel appliances, statement hood vent, pot filler, large eat-at island, pantry, crisp white countertops, modern black cabinetry, and striking black brick backsplash. LVP flooring runs throughout for a clean, durable finish. The split-bedroom floor plan offers excellent privacy, with the spacious primary suite on one side and two additional bedrooms plus the main full bath on the opposite side. The primary suite features a beautifully finished tile shower and dual vanity. Step outside to enjoy fresh landscaping and a covered back patio, perfect for relaxing, dining, or enjoying the peaceful acreage. With 2.07 acres, there is plenty of room to enjoy the property and outdoors. A fishing lake is just down the road, with numerous additional opportunities for hiking, fishing, boating, hunting, and other outdoor recreation nearby. Conveniently located just minutes from I-5, this property offers an easy commute while providing the space and feel of an acreage home. Nearly new construction, modern finishes, 2.07 acres, outdoor recreation—this is the Castle Rock property you've been waiting for.

184 Trout Lakes Road, Castle Rock

Listing Broker: eXp Realty; Jason Blakeman; 360-909-9950; jblakemanrealtor@gmail.com

1 Teal Street, Longview
$575,000
4 Beds ⋅ 2 Baths ⋅ 2589366 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated West Longview duplex, offering comfortable living spaces, thoughtful updates, and a move-in ready feel. Each side features over 1,100 sq ft with 2 bedrooms, 1 bath, a dedicated laundry room, and a functional layout designed for comfortable everyday living. Live in one side and rent the other, or enjoy the flexibility this property offers for multigenerational living. Recent updates to both units include new flooring, updated countertops, new LG appliances including washers and dryers, refreshed bathrooms, and fresh interior paint. New 50-gallon hot water tanks and energy-efficient mini split heat pumps provide year-round heating and cooling. Additional improvements over the past few years include a newer roof, exterior paint, newer concrete driveway, and more. Situated on a spacious corner lot with mature landscaping, each unit has its own single-car garage within the divided two-car garage, plus additional driveway parking. Enjoy plenty of space inside and out, along with an established West Longview neighborhood and nearby park. With so many updates already completed, this unique property offers space, versatility, and plenty of possibilities for its next owner.

1 Teal Street, Longview

Listing Broker: Keller Williams South Sound; Paulette Eaton; 360-520-5942; paulettesrealestate@gmail.com

2610 Field Street, Longview
$489,000
3 Beds ⋅ 3 Baths ⋅ 2589741 MLS ⋅ ACTIVE Status
Enjoy Lake Sacajawea views from this spacious 3 bedroom home situated on a corner lot directly across from the lake! The main level features a living room with fireplace, formal dining room, kitchen with eating area and bar, plus 2 bedrooms including the primary with walk-in closet. Spacious bathroom features a walk-in shower, double sinks and clawfoot tub. The finished basement offers the 3rd bedroom, additional bathroom, huge family room, utility room with sink and tons of storage. The spacious back deck is perfect for relaxing or entertaining. 3 car garage includes a convenient half bath and additional storage. New roof! Fantastic location with Lake Sacajawea right outside your door. Come enjoy the views, walk the lake and enjoy the wildlife across the street.

2610 Field Street, Longview

Listing Broker: eXp Realty; Kristin Cheatley; 360-430-9400; kristincheatley@riverridgerealestate.com

5126 Spirit Lake Highway, Toutle
$399,999
3 Beds ⋅ 1 Baths ⋅ 2582632 MLS ⋅ ACTIVE Status
Welcome to this spacious Toutle home set on a generous, nearly half-acre lot just steps from the local school! Step inside to a sleek, modern kitchen equipped with premium granite countertops, an induction cooktop, built-in oven and microwave, and a walk-in pantry. The primary suite serves as a true retreat featuring its own cozy fireplace, accompanied by two additional well-sized bedrooms. Outside, enjoy a fully fenced front yard, expansive back parking (including space for RVS), storage sheds, and endless outdoor space to entertain or relax.

5126 Spirit Lake Highway, Toutle

Listing Broker: Realty One Group Pacifica; Briana Rask; 360-270-7373; bre.realtyone@gmail.com

6396 Kalama River Road, Kalama
$499,000
3 Beds ⋅ 2 Baths ⋅ 2590078 MLS ⋅ ACTIVE Status
Welcome home to your private country retreat, perched high above it all and a beautiful drive from the hustle and bustle. This turnkey, one story home offers easy, low-maintenance living with a bright interior and thoughtful updates throughout. Equestrians will love the large barn with stalls, a dedicated tack room, and a private indoor arena for riding. The property also includes RV hookups and plenty of space for parking, toys, or guests. Enjoy the peace, privacy, and space of a true escape from it all.

6396 Kalama River Road, Kalama

Listing Broker: Vantage Point Brokers, LLC; Aaron Walker; 360-295-4885; Aaron@vantagepointbrokers.com

134 Buland Drive, Castle Rock
$470,000
3 Beds ⋅ 1 Baths ⋅ 2589490 MLS ⋅ ACTIVE Status
Country living close to town! Check out this 3-bedroom, 1-bath home situated just minutes from shopping, schools, downtown Castle Rock, I-5 access, and the Cowlitz River. The house and garage both feature new roofs, while the HVAC system provides year-round heating and cooling. Outside, you’ll find ample driveway parking, a 2-car garage, two additional shops, and nearly 1 acre of flat, usable land with plenty of space for entertaining, projects, or the possibility of adding another structure, making this property a great opportunity for anyone looking for extra room while still enjoying convenient access to town. Call your favorite real estate agent today to schedule a private showing!

134 Buland Drive, Castle Rock

Listing Broker: Strong Property Group; Jerrod Strong; 360-562-2778; Jerrodstrongre@gmail.com

340 20 Avenue, Longview
$315,000
2 Beds ⋅ 1 Baths ⋅ 2589691 MLS ⋅ ACTIVE Status
Updated 2-bedroom, 1-bath home with additional flexible space for an office or bonus room. Interior updates include cabinetry, quartz countertops, stainless steel appliances, a custom tile tub surround, doors, flooring, and fixtures—updated plumbing and electrical in 2024. Exterior improvements include a newer roof and windows. The yard offers low-maintenance landscaping and a newer fence around most of its perimeter. A shared driveway leads to rear parking and gated alley access; street parking is also available.

340 20 Avenue, Longview

Listing Broker: Premiere Property Group, LLC; Cayla Kersanty; 360-521-4814; homesbycaylak@gmail.com

2949 Laurel Road, Longview
$640,000
3 Beds ⋅ 3 Baths ⋅ 2588031 MLS ⋅ ACTIVE Status
Wonderful home that is on just over 1.25 acres with very secluded backyard for outside activities. Three-bedroom home with 2.5 baths. Open space concept, with a very nicely updated kitchen and large family room with wood fireplace. The living room has a gas fireplace with lots of windows and sliding glass door to your patio and back yard. Kitchen is set up for gas if you choose, water heater, and dryer are gas. Go upstairs to your secluded primary suite with vaulted wood ceilings, great views out the windows to the east. The separate shower and jetted tub will make for a relaxing environment. Enjoy the two big bedrooms on the main floor. The backyard is your own private retreat, fully fenced with paths to the very back of property where you can enjoy your garden, trees, deer and other wildlife. Large garage and lots of driveway for RV parking or vehicles. Please plan to be at the house for a while as the property has a lot to offer. Enjoy!

2949 Laurel Road, Longview

Listing Broker: Coldwell Banker Bain; Dennis LaVoie; 360-751-2372; dennis.lavoie@cbrealty.com

2125 48th Avenue, Longview
$424,900
4 Beds ⋅ 2 Baths ⋅ 2587464 MLS ⋅ ACTIVE Status
There’s something about a farmhouse that makes life feel a little less rushed. Set on over a quarter-acre corner lot, this 1949 home brings that feeling without taking you far from the places you go every day. Inside, 4 bedrooms, 2 baths, and two separate living spaces give the home a flexible, comfortable flow, while a refreshed kitchen and thoughtful updates throughout add a more modern feel without losing its character. Step outside and there’s room to roam, with a fully fenced yard, two driveways, garage, and carport offering plenty of possibilities for parking, projects, or simply enjoying the extra space. Since 2022, updates have included the kitchen, bathrooms, flooring, trim, doors, interior and exterior paint, fencing, and a heat pump with A/C. All of it comes together in a home that feels a little bit country, while shopping, dining, and everyday conveniences are still just minutes away.

2125 48th Avenue, Longview

Listing Broker: Berkshire Hathaway HS NW; Kelsey Gebhardt; 360-270-7678; kgebhardt@bhhsnw.com

106 Owl Creek Court, Kelso
$659,000
4 Beds ⋅ 3 Baths ⋅ 2589441 MLS ⋅ ACTIVE Status
Pristine Country Home on an manicured acre with an incredible view of Rose Valley! Beautiful home boasting 2,260 SF, 4 bedrooms, 2.5 bathrooms, elaborate front door & tiled entry, light & bright formal living room, formal dining room w/butler's pantry, spacious oak kitchen w/granite countertops-tile back splash-SS appliances-eating bar-laminate floor, family room w/large viewing windows & slider to covered Trex deck, Primary bedroom w/ensuite & walk-in closet, generous laundry room w/deep sink, beautiful oak hardwood floors throughout the main floor, heat pump, vinyl windows, Hardi plank siding, new exterior & interior paint and a 748 SF 3 car garage. The professionally landscaped manicured grounds feature 1 gently sloped acre, ornamental trees & shrubs, designer paver patio & cottage stone wall and a circular driveway. The home is located on a dead end street and minutes to I-5 and shopping!

106 Owl Creek Court, Kelso

Listing Broker: John L. Scott, Inc.; Dean Gehrman; 360-431-9735; deangehrman@johnlscott.com

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