Cowlitz Homes with FHA Terms

Cowlitz 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 Homes with FHA Terms

$334,000
3 Beds ⋅ 1 Baths ⋅ 2563899 MLS ⋅ ACTIVE Status
One-level Craftsman home - corner lot - blocks from Lake Sacajawea - close to walking trails, parks, breweries, restaurants, movie theater, bowling, popular seasonal community events, schools, golf courses, world-class fishing, and the Oregon bridge - 3 bedrooms - 1 bathroom - updated kitchen - spacious dining room - inviting living area - updated flooring - large windows with abundant natural light - fresh interior paint - updated plumbing and lighting fixtures - oversized lot - mature privacy hedges create a secluded outdoor setting - detached oversized one-car garage - finished bonus room with window perfect for a home office, hobby room, art studio, gym, or additional flex space - move-in ready with timeless character and modern updates

502 17th Avenue, Longview

Listing courtesy of Sho'me Real Estate.

$580,000
3 Beds ⋅ 2 Baths ⋅ 2566782 MLS ⋅ ACTIVE Status
Built in 2023 and tucked into nearly 9 wooded acres, this beautifully maintained one-level home offers a thoughtful blend of modern comfort, open space, and exceptional outdoor living. The 1,716-square-foot interior features three bedrooms and two baths, including a spacious primary suite with a private bath. Vaulted ceilings enhance the light-filled great room, dining area and beautifully appointed kitchen, where white cabinetry, granite countertops, stainless steel appliances, a walk-in pantry and generous island create a natural gathering place. Durable plank flooring and a neutral color palette provide a polished, move-in-ready feel throughout. Outside, enjoy a covered patio, terraced low-maintenance landscaping, an outdoor gathering area with fireplace, and multiple outbuildings—including a charming detached studio ready to complement your hobbies, creative pursuits or workspace needs. An attached two-car garage, additional driveway parking and dedicated RV parking provide room for vehicles and recreational gear. Located at the end of a quiet lane, this distinctive property offers space to breathe, room to explore and the rare combination of a nearly new home surrounded by Pacific Northwest beauty. Welcome to 210 Echo Lane!

210 Echo Lane, Longview

Listing courtesy of Realty One Group Pacifica.

$399,900
4 Beds ⋅ 2 Baths ⋅ 2564695 MLS ⋅ ACTIVE Status
Enjoy the best of country living in this tastefully updated Castle Rock home! Featuring 1568 sqft of living space, 4 bedrooms and 2 full bathrooms, this home has been refreshed from top to bottom. Updates include a brand new roof with fresh interior and exterior paint. The kitchen shines with new cabinetry, while bathrooms have been renovated with new flooring and vanities in both and a new sleek tile shower and a relaxing soaking tub in the primary suite. New lighting fixtures and ceiling fans add a modern touch to every room. The large garage and basement offers excellent storage and outdoor decks make this home an entertainer's dream. Set on a sprawling .74-acre lot with a storage shed, there's plenty of room to garden, play, or simply spread out. Two gravel parking areas with the potential for RV Parking or storing all your toys. Conveniently located near I-5, you'll enjoy easy access to the community as well as downtown Castle Rock's shops and amenities.

127 Pioneer Avenue NE, Castle Rock

Listing courtesy of Seattle Works Real Estate.

$385,000
3 Beds ⋅ 2 Baths ⋅ 2561283 MLS ⋅ ACTIVE Status
Just what you have been waiting for!! Come see this delightful 3 bedroom, 2 bathrooms home located in a great neighborhood. Such a comfortable setting with a nice sized Living Room and a nice sized eat in Kitchen. There is a new walk-in shower off the primary bedroom. Recently installed mini splits to keep you comfortable. Enjoy the large fenced back yard which is great for entertaining or maybe a garden and even to make it better there is a covered patio. The home also has an oversized garage and newer roof and gutters. The property backs up to the Cowlitz river just over the dike. Make your appointment today.

186 DECATUR Drive, Kelso

Listing courtesy of New Spring Property Management.

$510,000
3 Beds ⋅ 3 Baths ⋅ 2561945 MLS ⋅ ACTIVE Status
Tucked away on over an acre, this well-loved split-level home offers privacy and peaceful surroundings just over five minutes from I-5. Thoughtfully maintained with a newer roof, updated windows and flooring, plus two wood-burning fireplaces. All bedrooms are upstairs, while the lower level features a spacious multipurpose family room with a wood-burning fireplace. Outside, enjoy a wraparound deck with several places to relax and take in nature, a large fenced area for pets or play, and additional land with room to garden, create, or make it your own. An expansive grassy front yard and newly paved driveway complete this special property.

1006 Sandy Bend Road, Castle Rock

Listing courtesy of Realty One Group Pacifica.

$659,000
3 Beds ⋅ 2 Baths ⋅ 2566618 MLS ⋅ ACTIVE Status
Two Tax Lots. One Incredible Opportunity. One Full Acre Across from the Kalama River! Situated on two separate tax lots totaling 1 acre, this unique property offers exceptional flexibility and value. The home sits on 0.65 acres, while the adjoining 0.35-acre vacant lot adds space, privacy, RV/boat storage, and potential future possibilities. Both lots have power, septic, and water. Buyer to verify intended use and development options with Cowlitz County. Located directly across the street from the beautiful Kalama River, this property offers easy access to fishing, kayaking, and outdoor recreation, along with peaceful river views and the natural beauty of the Pacific Northwest. Inside, the home blends modern updates with rustic charm. The remodeled kitchen features quartz countertops, shaker cabinetry, stainless steel appliances, subway tile backsplash, and a large island. A bright dining nook overlooks the private, wooded setting, while the spacious living room is filled with natural light. The standout rustic entertaining room features a custom live-edge bar, knotty pine walls and ceilings, and direct access to the expansive deck—perfect for entertaining or relaxing after a day on the river. HVAC replaced in 2022. Roof replaced in 2018. A rare combination of location, land, flexibility, and value!

316 Laverne Drive, Kalama

Listing courtesy of Knipe Realty ERA Powered.

$750,000
4 Beds ⋅ 2 Baths ⋅ 2566443 MLS ⋅ ACTIVE Status
**Space, updates, river views, and room to enjoy it all.** This 4-bedroom, 1.75-bath home sits on .36 acres near the Kalama River and offers 2,398 square feet of comfortable, move-in-ready living.Inside, you’ll find an updated kitchen with granite countertops, a welcoming living room with a fireplace, a spacious family room, a new den, and updated flooring and fixtures throughout. The primary suite features a walk-in closet and its own private laundry room for added convenience.Step outside to a brand-new deck spanning the back of the home, perfect for entertaining, relaxing, or taking in the natural surroundings. An elevated gazebo nestled among the trees captures views of the seasonal waterfall and Kalama River, while the above-ground pool and surrounding deck create your own private summer retreat.A new electrical panel, whole-home generator, fenced vegetable garden, 1-car garage, 2-car carport, and storage shed provide the practical features today’s buyers want.Located just minutes from I-5 Exit 32, this property offers a rare combination of updated living, outdoor recreation, scenic surroundings, and everyday convenience.Buyer is advised to conduct their own due diligence and independently verify all information to their satisfaction before closing.

236 Laverne Drive, Kalama

Listing courtesy of Century 21 Northstar.

$309,000
3 Beds ⋅ 1 Baths ⋅ 2565957 MLS ⋅ ACTIVE Status
Built in the 1920s, this charming bungalow showcases classic craftsmanship, dormers, and an inviting front porch. A gated side driveway leads to a carport for added privacy, while durable lap siding and updated vinyl windows give the exterior a clean, low-maintenance finish. Inside, a bright living room features a ceiling fan and cozy wood-burning fireplace insert. Laminate flooring flows throughout the lower level, from the living room into the dining room and kitchen. The kitchen offers a practical galley layout with white cabinetry, and a stackable washer/dryer tucked behind cabinet doors. All appliances convey: stove, built-in microwave, refrigerator, dishwasher, and washer/dryer. Two bedrooms round out the main level, both cozy with walk-in closets, plus a ¾ bathroom with vinyl flooring. Upstairs is a versatile open room with, proper egress, a closet, and its own heat source—comfortably functioning as a third bedroom. A covered porch offers a relaxing retreat, currently set up with a soft tub but easily adaptable. The seller has made meaningful investments, including all-vinyl windows, and a ductless mini-split heating/cooling system for the living room. The roof is in good condition.See it, Love it, Buy it.

440 23rd Avenue, Longview

Listing courtesy of RE/MAX Premier Group.

$700,000
3 Beds ⋅ 3 Baths ⋅ 2565621 MLS ⋅ ACTIVE Status
Automobile restoration enthusiast's dream shop: energy efficient, totally insulated 40 x 72, with half bath, 3-bays, sandblasting and painting booths with 2 compressors with 6 stations for air hookup. Additional 24 x 24 barn/shop for yard equipment or storage. 4.87 acres with a 3-bedroom, 2 1/2 bathrooms home with playroom above garage, family room, gas fireplace, dining room, kitchen with pantry, master with walk-in closet and soaking tub. Enclosed 40 x 80 garden area with an 8-ft tall fence, raised garden beds with a water system, and individual timers. Wired for a generator. Leave the city behind and retreat to this private setting.

558 Spruce Creek Road, Longview

Listing courtesy of Windermere Northwest Living.

$480,000
3 Beds ⋅ 3 Baths ⋅ 2564807 MLS ⋅ ACTIVE Status
Welcome to this spacious single-story home tucked away at the end of a private road on 2/3 of an acre, offering privacy, mature landscaping and the convenience of being just minutes from the freeway. This inviting home features 3 bedrooms, 3 bathrooms and generous living spaces designed for both everyday living and entertaining. The spacious living room welcomes you with beautiful hardwood floors and a cozy fireplace, while the formal dining room opens directly to a patio, creating the perfect indoor-outdoor entertaining space. An oversized family room with access to a second private patio provides even more room to relax and gather. The bright kitchen offers an eat-in bar plus a dedicated baker’s area in the adjoining laundry room. The spacious bedrooms feature hardwood flooring and lots of storage. A recently converted living space is currently used as a homeschool room and includes its own three-quarter bath and private entrance. This versatile area offers endless possibilities—it could serve as a primary suite, multigenerational living space, guest quarters, home office or even provide rental potential. Recent updates include a newer roof, heat pump, furnace, hot water heater, luxury vinyl tile flooring, luxury vinyl plank flooring, fresh interior and exterior paint and much more. Outside, you will find ample parking, two storage sheds and a beautifully landscape yard. Relax in your own private oasis and enjoy stunning sunset views. Schedule your tour today!

2315 Lynnwood Drive, Longview

Listing courtesy of Windermere Northwest Living.

$299,000
3 Beds ⋅ 2 Baths ⋅ 2565465 MLS ⋅ ACTIVE Status
Filled with potential and ready for its next chapter, this charming 3-bedroom, 2-bathroom home offers 1,534 square feet of comfortable living space in a convenient Longview location. Inside, you’ll find room to grow, gather, and make the space your own, while the dedicated laundry room adds everyday convenience. Step outside to a fully fenced backyard with space for pets, gardening, summer barbecues, or simply relaxing at the end of the day. Off-street parking provides added convenience, and the home’s location puts shopping, dining, schools, and everyday amenities just minutes away. Whether you’re buying your first home, looking for more space, or seeking a property with the opportunity to add your own style and updates over time, this home offers a wonderful place to put down roots. Come see all the possibilities and imagine making it your own!

440 20th Avenue, Longview

Listing courtesy of Realty One Group Pacifica.

$579,900
5 Beds ⋅ 3 Baths ⋅ 2565342 MLS ⋅ ACTIVE Status
Beautifully maintained 5-bedroom, 2.5 bathroom home on a private .20 acre lot! Enjoy peace of mind with a brand-new roof, owned solar panels, new carpet, luxury vinyl flooring, fresh interior and exterior paint, and a heat pump. The oversized 3 car garage, EV ready setup, and RV parking with hookups offer plenty of room for vehicles and toys. Step outside to your own private retreat featuring mature landscaping, a floating deck, gazebo, fire pit, garden space, and lights, creating the perfect place to relax or entertain.

196 Raspberry Lane, Woodland

Listing courtesy of The Bordak Group, LLC.

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